For example, the most expensive plan - Plus - provides the best after-deductible coinsurance of 20%. The main difference between these tiers will involve the premium, coinsurance and cost of a doctor visit. UHC offers three different tiers of short-term health insurance policies: Value, Value Copay and Plus. Furthermore, unlike individual plans, a short-term policy can be purchased outside of open enrollment, meaning it can be bought throughout the year. UnitedHealthcare short-term health insurance policies are cheaper than individual health insurance but provide the bare minimum in benefits. Medicare prescription drug plans (Part D)Īlthough these are all policies offered by UHC, they may not all be available in your state since individual state regulations will vary.

Medicare Supplement plans (Part A, B, G, K, L, N, C and F).

All premiums for policies are a monthly cost.) (For the purpose of this review, all policy details in the table are for plans found on the New York state health insurance marketplace. However, depending on what state you live in, the specific details of the policy may differ, such as copays and coinsurance amounts. The main differences between these plans are typically the monthly premium, deductible and out-of-pocket maximum (OOPM). For example, UnitedHealthcare gives policyholders access to wellness programs, which we evaluate in more depth in this review.īelow you will find a breakdown of each plan tier. However, you should also look at the additional benefits that each health insurance provider offers. Price is an important aspect to consider when choosing your health insurance policy.

For example, the average individual premium for Fidelis Care in New York is $568 per month, which is close to 47% cheaper than the average of $1,078 for UnitedHealthcare. As you can see in the graph above, UHC individual health insurance plans are not a cheap health insurance option when compared to plans offered by some competitors.

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