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is an independent adviser service offering free online support about any health reform issue. OnlineNavigator is not acting as agent for any qualified health insurance marketplace and is not affiliated with any federal or state programs. This service is available online 24/7 through email and social media sites usually with same day response. See the web site for details on privacy policy and terms of service.


Key Data:
Address: 7440 Woodland Drive Indianapolis, IN 46278
Phone: 800-926-7602
A.M. Best Company Rating: A (Excellent)
Size: $1.4 billion total annual premiums
Parent Company is UnitedHealth Group  (NYSE: UNH).
low cost health insuranceUnitedHealthcare

Golden Rule Insurance Company

A member of the UnitedHealthcare group of companies, Golden Rule Insurance Company has been a leader in the individual health market for more than 60 years and is the market share leader in Health Savings Accounts (HSAs) for individuals and families.

Golden Rule Insurance has developed a unique understanding of the health insurance preferences of individuals and families. That expertise is reflected in innovative products, handling of claims, and customer service. Golden Rule is rated "A" (Excellent) by A.M. Best, independent analysts of the insurance industry.

Comments and Reviews

See for much more information on UnitedHealthOne policies for individuals and families.


Enhanced coverage effective 9/1/2010 Coverage under individual insurance plans will be enhanced by the implementation of key health reform provisions: 1) Effective date of coverage will be the later of 30 days after an application is received or later if requested by the customer (but no greater than 60 days from the date of application). 2) No waiting period. The 14-day waiting period for illness following the effective date of coverage will be eliminated. There will no longer be separate effective dates for injury and illness! Full benefits for injury or illness are available immediately starting on the first day of the policy. This change does not impact a) current Golden Rule customers whose health plans are already in force, b) applications received prior to September 1st, c) short term medical insurance or d) dental plans. Note that in order to receive these benefits is important for both current and new members to make an application on or after September 1, 2010. Also consider that a separate 30 day short term medical insurance application will always required when immediate coverage is required. Both applications can be made at the same time online in a matter of minutes.

1/22/2010 The National Association of Self-Employed (NASE) teamed up with Golden Rule Insurance Company to offer health insurance to its entrepreneurs, micro-business owners and the self-employed members in 20 states. NASE members who Ask OnlineAdviser for enrollment support online or by telephone are asked to identify themselves as NASE members so that we may keep record of the effectiveness of this endorsed relationship.

10/1/2009 Golden Rule Insurance announced a major expansion of available benefits effective October 2009. One of the anticipated benefits is a decreasing deductible that awards healthy members by lowering their out-of-pocket risk each year that claims are less than the deductible. Details will be posted on the online quote page within the next few weeks.

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This web site is independently owned and managed by Tony Novak operating under the trademarks "Freedom Benefits", "OnlineAdviser" and "OnlineNavigator". Opinions expressed are the sole responsibility of the author and do not represent the opinion of any other person, company or entity mentioned. Tony Novak is not an agent, broker, producer or navigator for any federal or state health insurance exchange but may provide uncompensated advice, reviews and referrals to these official resources. Novak is compensated as an accountant, adviser, affiliate consultant, marketer, reviewer, endorser, producer, lead generator or referrer to some of the other commercial companies listed on this site. Information is from sources believed to be reliable but cannot be guaranteed.