Find out if UnitedHealthcare health insurance meets your needs.
UnitedHealthcare offers numerous coverage options and rates well for customer service and financial stability.
Overall rating: 4.7
UnitedHealthcare is the largest health insurance company in the nation. Founded in 1977, this insurer sells policies in all states except New York. Among its policies are options for short-term health insurance, individual and family coverage, Medicare, vision, and dental insurance.
Company founded | 1977 |
Coverage area | 49 states (excluding New York) |
A.M. Best rating | A- |
Better Business Bureau (BBB) rating | A+ |
National Committee for Quality Assurance (NCQA) accreditation | Yes |
NCQA rating | 4.5 to 2.5 |
Plans available |
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Provider network |
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What we like about UnitedHealthcare health insurance plans: | The drawbacks of UnitedHealthcare health insurance plans: |
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UnitedHealthcare has multiple plans across three metal tiers, letting you choose a plan with coverage that fits your needs. All of these plans are EPO plans. With an EPO, covered services are provided when you go to doctors, specialists, and hospitals in your plan’s network. Monthly premiums vary from $368 to $658, and most plans have maximum out-of-pocket limits of $8,500.
Compare some of UnitedHealthcare’s top health insurance plan options:
Plan name | Monthly premium | Annual deductible | Office visits | Annual maximum out-of-pocket cost |
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Balance Bronze 3 Free Visits | $367.99 | $7,500 per individual
$15,000 per family |
Primary doctor: 50% coinsurance after deductible
Specialist: 50% copay after deductible |
$8,550 per individual
$15,000 per family |
Value Bronze Saver (HSA) | $380.13 | $5,900 per individual
$11,800 per family |
Primary doctor: 30% coinsurance after deductible
Specialist: 30% copay after deductible |
$7,000 per individual
$14,000 per family |
Value Silver 3 Free Visits | $490.90 | $5,500 per individual
$11,000 per family |
Primary doctor: 35% coinsurance after deductible
Specialist: 35% copay after deductible |
$8,550 per individual
$17,100 per family |
Balance Plus Silver 3 Free Visits | $493.47 | $4,500 per individual
$9,000 per family |
Primary doctor: $40 copay
Specialist: 50% coinsurance |
$8,500 per individual
$17,100 per family |
Value Gold | $658.33 | $2,350 per individual
$4,700 per family |
Primary doctor: $20 copay
Specialist: $65 copay |
$8,500 per individual
$17,100 per family |
*Based on pricing for a nonsmoking 35-year-old female in Nashville, Tennessee.
Trusted ratings and reviews can help you understand how an insurer’s plans stack up against the competition. See our UnitedHealthcare review.
Financial strength rating: 4 |
Customer satisfaction rating: 4.8 |
Value rating: 4.8 |
Coverage rating: 4.8 |
UnitedHealthcare’s financial strength rating indicates how well it can fulfill its financial obligations to its policyholders. A.M. Best rates UnitedHealthcare’s coverage in each state individually, but no state earned less than an A-. Several ranked in the A+ category.
UnitedHealthcare’s customer satisfaction rating is based on BBB, NCQA, and Consumer Affairs ratings.
UnitedHealthcare has an A+ rating on BBB, indicating that it resolves customer issues with their plans effectively. In the last three years, 893 customer complaints have been closed.
UnitedHealthcare’s health insurance plans generally perform well, according to data gathered by the NCQA. Several plans are recognized as high-performing, and even those with the lowest scores are categorized as moderate-performing.
Consumer Affairs gives UnitedHealthcare a rating of 3.9 out of 5 stars. This rating is based on approximately 2,800 reviews.
UnitedHealthcare’s value rating is based on how much its plans cost compared against plans from other insurance companies. Factors influencing this rating include the monthly premium, coinsurance, copayments, annual deductibles, and out-of-pocket maximums.
UnitedHealthcare’s coverage rating reflects the types of coverage it provides. That includes options for individuals and families, older adults, individuals with limited incomes, and university students. The rating is also based on how many plan types are available and how easy it is to find an in-network health care provider.
Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.
Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.
Tammy Burns is an experienced health insurance advisor. She earned her nursing degree in 1990 from Jacksonville State University, obtained her insurance billing and coding certification in 1995, and holds a health and life insurance license in Alabama, Georgia, Iowa, Mississippi, and Tennessee. Burns is Affordable Care Act (ACA)-certified for health insurance and other ancillary, life, and annuity products. She maintains an active nursing license and practices private-duty nursing.
Burns’ background as a nurse, insurance biller and coder, and insurance consultant includes infectious disease, oncology, gynecology, phlebotomy, post operative, family medicine, geriatrics, home health, hospice, human resources, management, billing, coding, claims, fixed annuities, group and individual health and life products, and Medicare. She’s always been driven by a desire to help people, spending more than 25 years as a practicing nurse in hospitals, private doctors’ offices, home health, and hospice. As a nurse, Burns supported patients filing insurance claims with Medicare, Medicaid, and private insurance companies as well as responding to billing questions from confused patients.
Seeing firsthand how unsuspecting patients are frequently confused by an overly complex system they don’t understand led Burns to become an insurance agent and health care consultant, now helping people understand the medical system. Since becoming an insurance agent in 2013, she has worked with some of the largest and most reputable insurance carriers and agencies in the nation, and she has built a large and loyal clientele by way of her commitment to transparency and personalized service.