49 states + DC (not available in all counties)UnitedHealthcare plans — compared by total cost, not just premium.
UnitedHealthcare is the largest health insurer in the U.S. by enrollment. Their Choice Plus PPO network gives you access to providers nationwide without referrals. Our agents compare UHC plans by total cost (premium + deductible + OOP max), not just premium.
What makes UnitedHealthcare different — and when it saves you money.
Nationwide PPO with no referrals. Among the most flexible networks for people who travel or move between states.
UHC frequently has the best total cost (premium + deductible + OOP) in competitive markets. Agent compares side-by-side.
OptumRx formulary covers most common medications. Agent checks your specific meds before enrollment.
UHC plans include 24/7 virtual visits at no additional cost for most services.
UnitedHealthcare plans — in plain English.
Cost range: $160–$490/mo after subsidies (total cost varies by plan tier, age, and ZIP).
National network, no referrals. Often the most cost-effective PPO option.
Coordinated care with lower premiums. Best for families who want one doctor managing their care.
Low premium, high deductible. Tax-free HSA savings. Best for healthy adults under 40.
Twelve minutes, scripted.
We'll lay out exactly what your agent will ask, in what order, and why - so you know what to have in front of you before you pick up the phone.
A licensed agent picks up
No phone tree, no transfers, no hold music. Median answer time: 38 seconds.
They ask your ZIP and the ages of anyone covered
So they can pull plans actually available in your state - and confirm the right metal tier for your household.
They ask which doctors and meds matter to you
So they can rule out plans that don't include your providers or formulary. This is the step the marketplace skips.
They show you 3–5 plans side-by-side
Premium, deductible, max out-of-pocket, network size, and a plain-English read on what each gets you.
You pick - they enroll you on the call
Same call. Effective date is typically the 1st of next month. Confirmation by email and SMS within an hour.
You hang up insured
No follow-up sales calls, no info sold to anyone. If you change your mind, we have a 30-day support window - same agent.
You pay nothing. Ever.
We're paid a flat commission by the carrier when you enroll - the same amount whether you pick a BlueCross PPO or an Ambetter HMO. We have zero incentive to push you toward anything but the plan that fits. We don't sell your information. We don't email you for weeks.
Common questions about UnitedHealthcare plans.
Total cost = premium + deductible + OOP max. Most people we help pay $160–$490/mo after subsidies. UHC is often among the cheapest total-cost options in competitive markets.
Yes. Choice Plus is one of the largest PPO networks in the country — in-network providers in virtually every state. No referrals required.
Very likely. About 4 out of 5 marketplace enrollees qualify. Your agent checks in real time — most people are surprised.
Depends on your area. In some ZIPs, UHC has lower total cost; in others, BCBS has better network coverage. Your agent compares both side-by-side.
Your agent checks the OptumRx formulary for your specific medications before you enroll. No surprises at the pharmacy.
No. One brokerage, not a lead-gen site. No spam, no selling your number. BBB A+ rated.
100% free. Carriers pay us a flat commission — same amount no matter which plan you choose.
12 minutes. Real savings.
Your agent compares UnitedHealthcare by total cost against 5+ other carriers. One call, $0 fee.
(866) 605-0702