Employer-sponsored health insurance plans
Health insurance plans through work
Around 60% of Americans under age 65 get health insurance coverage through their employers. That’s nearly 165 million people.1 Employer-sponsored health plans play a big role in benefits packages. And while there may be many different health plans to choose from, it’s good to know what makes UnitedHealthcare so distinct.
What is employer-sponsored health insurance?
Also known as group health insurance, employer-sponsored health insurance is offered directly through your employer, union or trade association. Plan benefits vary by employer. Your employer may pay a portion of the plan premium, and you’ll pay the rest, usually through paycheck deductions.1 You may have the option to get coverage for your family, too.
Benefits of UnitedHealthcare plans
When you’re choosing a health plan through your employer, UnitedHealthcare plans may offer more of what you’re looking for — like personalized support, helpful digital tools and large provider networks so you have more choices for doctors, clinics and hospitals. And that’s just the start. Let’s look closer.
Choosing your health insurance plan
Open enrollment is when you can select your health insurance plan for the upcoming year. Your employer sets the open enrollment period, but it may typically be in the fall. Take some time to explore your options to learn what type of coverage may best fit your needs.
Explore our plans and other coverage options
Learn about our health plans through work, which may be available to you if your employer offers UnitedHealthcare plans.
Enjoy the freedom to choose a network doctor or specialist without a referral from a primary care provider (PCP).
Get guidance from a PCP, who will get to know your medical history and coordinate care across a range of health services.
Access any doctor, clinic or hospital in our national network without a referral. Save money by seeing network providers.
Choose a network doctor or specialist without a referral from a PCP, plus get coverage for out-of-network providers.
Manage your care with a PCP and get the highest level of coverage when you get a referral before seeing other network doctors.
Review your health plan coverage options if you lose your job, become furloughed or experience reduced hours at work.
Additional plan benefits
Some employers may offer additional health insurance coverage or benefits to round out your health plan through work.
Consider supplemental health insurance for benefits your medical plan may not cover, like vision, dental and fixed benefit plans for unexpected medical costs. You may also be able to purchase a supplemental plan on your own if your employer doesn’t offer one.
Learn about spending accounts your employer may offer to help you set aside money for qualified medical expenses. Options may include a health savings account (HSA), health reimbursement account (HRA) or flexible spending account (FSA).
What if your employer doesn’t offer health insurance?
You may still have options to get health coverage.
Affordable Care Act (ACA) Marketplace plans
These plans are sold on the health insurance Marketplace (also called the ACA Marketplace or Exchange). You can purchase a health plan for you and your family from the Marketplace. Depending on your income, you may be eligible for government subsidies (given as a premium tax credit) to help lower the cost of an ACA plan.
Short term health insurance plans
Offering coverage for a limited duration, these plans can provide benefits until you find a longer-term solution. For example, if you need to wait until open enrollment to apply for an ACA Marketplace plan, a short term plan can help fill that gap in coverage.