View a plan

High Deductible Health Plan (HDHP) with HSA

With this plan, you can use any doctor, clinic, hospital or health care facility you want in our national network.

There’s coverage if you need to go out of the network. However, seeing an out- of-network provider will likely cost you more. If you need to see a specialist, a referral is not required.

Preventive care is covered 100 percent in the network. You don't have to pay any out-of-pocket costs for age appropriate preventive care as long as you use a network doctor.

This plan features a Heath Savings Account (HSA) - a personal bank account that lets you put money aside, tax-free, to save and pay for qualified medical expenses.

Our comparison chart helps you find your best fit by listing important plan benefits side-by-side.

Plan comparison

Plan highlights

Network coverage

Both network and out-of-network providers covered

Primary care provider

Primary care provider is not required

Copays

No copay on services or prescriptions

Savings account options

Health savings account (HSA) offered

Medical annual deductibles and out-of-pocket limits

Deductible amounts

	Network	Out-of-network
Individual	$3,500	$7,000
Family	$7,000	$14,000

Out-of-pocket limits

	Network	Out-of-network
Individual	$6,450	$12,900
Family	$12,900	$25,800

Deductible amounts

	Network	Out-of-network
Individual	$3,500	$7,000
Family	$7,000	$14,000

Out-of-pocket limits

	Network	Out-of-network
Individual	$6,450	$12,900
Family	$12,900	$25,800

Medical costs - copays ($) and coinsurance (%)

Doctors and specialists

	Network	Out-of-network
Preventive care visit	100%	Not Applicable
Primary care visit (illness or injury)	70%	50%
Specialist visit	70%	50%

Virtual, urgent and emergency care

	Network	Out-of-network
24/7 Virtual Visit (online doctor)	70%	50%
Urgent care visit	70%	50%
Emergency room	70%	70%

Doctors and specialists

	Network	Out-of-network
Preventive care visit	100%	Not Applicable
Primary care visit (illness or injury)	70%	50%
Specialist visit	70%	50%

Virtual, urgent and emergency care

	Network	Out-of-network
24/7 Virtual Visit (online doctor)	70%	50%
Urgent care visit	70%	50%
Emergency room	70%	70%

Network coverage

Network coverage plays a big part in delivering you cost savings and quality care. With the network, you'll have access to a group of health care providers and facilities that have a contract with UnitedHealthcare.

Are your providers in network?

Stay in the network

To help save on costs, choose care and services from within our network.

Look for the hearts

To help you find quality and cost-efficient doctors, the
UnitedHealth Premium® program fully evaluates doctors in various specialties.

The importance of a primary care provider (PCP)

Primary care provider

This plan does not require you to have a primary care provider (PCP), but choosing one for yourself and each covered family member is highly recommended. Your PCP is your health guide - coordinating your care, helping you avoid cost surprises and supporting you in achieving your best health.

It's easy to find and choose a network Primary Care Provider
Click the provider network link above, or choose "Search for a Provider" in the main menu, and open the network provider directory website for your selected plan.

Then follow these steps:

Under “What type of Medical Care can we help you find near”, click Change Location, fill in your location information, and click Update Location.
Under “Find Health Care by Category”, select People > Primary Care > All Primary Care Providers to see a listing of PCPs.
Scroll through the listing and select the name of the network PCP you'd like to coordinate your care.
Click on the PCP’s name for the Provider ID number.

Important: For health plans requiring a PCP, a PCP will be selected for you and your covered family members if you don’t pick one by the enrollment deadline. You can change your PCP anytime at myuhc.com.

The importance of a primary care provider (PCP)

Having a PCP to help guide and coordinate your care is important whether or not the health plan you select requires one.

Copays and cost sharing

Most health plans share the same idea: there's how much you pay for the cost of care, when you pay for it, and what percentage of those costs you and your plan share. It can all be a little confusing, especially when you add in words like "deductible" and "copay".

To make it easier, here's an example of how health plans work.

At the start of your health plan year...

You're responsible for paying 100% of the costs for covered health care, up until you reach your deductible. The deductible is the amount you pay before the plan starts sharing costs. Age appropriate preventive care is covered 100% as long as you use a network provider.

About COPAYS...

Some health plans have a copay, which is a fixed amount you pay each time you see a provider or purchase a prescription. Because copays don't count toward your deductible, you're responsible for paying 100% of your copay up until you reach your out-of-pocket limit.

When you reach your DEDUCTIBLE

Coinsurance kicks in and your health plan starts sharing a percentage of these costs with you, up until you reach your out-of-pocket limit.

When you reach your OUT‑OF‑POCKET LIMIT

The most you'll have to pay for the costs of health care in a plan year is your out-of-pocket limit. Once this limit is reached, your health plan covers you at 100% for the rest of the plan year.

Health Savings Account

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account where you can put money aside, tax-free, to save and pay for eligible health care expenses.

Save today, spend whenever

Spend your HSA money on eligible health expenses now.
Build up your HSA savings and use it later.
Your savings can be carried over year to year, even if you change jobs, health plans, or retire.

Enjoy tax advantages

Money you deposit is federal income tax-free.
Your savings grow income tax-free.
Withdrawals for qualified health care expenses are income tax free.

Use your account easily

Use money in your HSA to pay for qualified health care expenses.
Pay bills online or pay with checks linked to your HSA.
Upload receipts and store them in your own online receipt vault.

HSA eligibility requirements
As defined by the IRS, to be eligible for an HSA you:

Must be covered under a qualifying high-deductible health plan (HDHP) on the first day of the month.
Must not have other health coverage except what is permitted by the IRS.
Must not be enrolled in Medicare, TRICARE or TRICARE for Life.
Cannot be claimed as a dependent on someone else’s tax return.
Have not received Veterans Affairs (VA) benefits within the past three months, except for preventive care. If you have a disability rating from the VA, this exclusion doesn’t apply.

Other restrictions and exceptions may apply. We recommend you consult a tax, legal or financial advisor to discuss your personal circumstances.
Pay for qualified expenses
Your HSA can be used for more than doctor visits.

Once you’ve contributed to your account, use the funds in your HSA to pay for qualified health care expenses such as:

Dental care, including extractions and braces
Vision care, including contact lenses, prescription sunglasses and LASIK surgery
Prescription medications
Certain over-the-counter drugs and medications
Chiropractic services
Acupuncture
It’s important to know that you cannot use your HSA to pay for medical expenses you had before you opened your account—so be sure to open your HSA  as soon as you are eligible.

Services covered in the network

Here's a partial list of your coverage:

Preventive Care Services
Doctor Office Visits and Labs
Emergency and Outpatient Care
Mental Health and Substance Disorder Service
Pregnancy and Newborn Care
Health and Wellness

High Deductible Health Plan (HDHP) with HSA

Compare to help find the right health plan

Plan highlights

Network coverage

Primary care provider

Copays

Savings account options

Medical annual deductibles and out-of-pocket limits

Deductible amounts Deductible amounts

Out-of-pocket limits Out-of-pocket limits

Deductible amounts Deductible amounts

Out-of-pocket limits Out-of-pocket limits

Medical costs - copays ($) and coinsurance (%)

Doctors and specialists Doctors and specialists

Virtual, urgent and emergency care Virtual, urgent and emergency care

Doctors and specialists Doctors and specialists

Virtual, urgent and emergency care Virtual, urgent and emergency care

Network coverage

Are your providers in network?

Stay in the network

Look for the hearts

The importance of a primary care provider (PCP)

Primary care provider

It's easy to find and choose a network Primary Care Provider It's easy to find and choose a network Primary Care Provider

The importance of a primary care provider (PCP)

Copays and cost sharing

At the start of your health plan year...

About COPAYS...

When you reach your DEDUCTIBLE

When you reach your OUT‑OF‑POCKET LIMIT

Health Savings Account

Save today, spend whenever

Enjoy tax advantages

Use your account easily

HSA eligibility requirements HSA eligibility requirements

Pay for qualified expenses Pay for qualified expenses

Services covered in the network

Deductible amounts

Out-of-pocket limits

Deductible amounts

Out-of-pocket limits

Doctors and specialists

Virtual, urgent and emergency care

Doctors and specialists

Virtual, urgent and emergency care

It's easy to find and choose a network Primary Care Provider

HSA eligibility requirements

Pay for qualified expenses