UnitedHealth to Guarantee Your Right to Health Insurance

This is pretty strange: Golden Rule, a part of UnitedHealth, is now selling an insurance plan that ensures your future access to health insurance. The Continuity plan guarantees the right to health insurance in case you get laid off or your employer no longer sponsors health insurance coverage. The monthly fee is a percentage of the current health insurance premium. I guess this could be a good idea for someone with pre-existing conditions that might prevent them from buying health insurance on the open market, but is this really that much of a savings on individual health insurance rates over COBRA?

UnitedHealth's Continuity is now available in 25 states, and plans are that it will soon expand to 40.

Wyoming Health Insurance

Golden Rule Insurance Company, a leader in the individual health insurance market for nearly 60 years, this week begins offering new choices in coverage for individuals and families in Wyoming who buy their own health insurance.

Golden Rule’s product portfolio in Wyoming includes health savings account (HSA) plans, other lower-cost high deductible plans and traditional copay plans as well as short term health insurance.

Network discounts on health care can translate into even more savings and reduced out-of-pocket expenses for Golden Rule customers in Wyoming who will have access to UnitedHealthcare’s network of 162 physicians and 18 hospitals throughout the state as well as an extensive network throughout the country.

Golden Rule customers typically save 45-55 percent or more in premiums by choosing one of their HSA plans over a more traditional plan. In addition, HSAs offer triple tax advantages: the savings go in tax-deductible, grow tax-deferred and can be withdrawn tax-free as long as they are used for qualified medical expenses including vision and dental.

Today, nearly 40 percent of Golden Rule customers are covered by HSA plans.