UnitedHealthOne Alternatives to ACA with Bobbi Jo Massey

Bobbi Jo Massey walks through UnitedHealthOne (Golden Rule) plans for clients under 65 who need an alternative to the ACA: Tri-Term Medical, Short-Term Medical and Health Protector Guard, all on the UnitedHealthcare Choice/Choice Plus network. Also covers bundling ancillary products, quoting and applying in the broker portal, broker-assisted applications and the new-broker bonus.

Key takeaways

• 2027 ACA plans: $12,000 individual out-of-pocket max, narrower networks and rates up about 25% on average.
• Tri-Term Medical: a three-year plan in 15 states; pre-existing conditions covered after 12 months.
• Short-Term Medical: up to 12 months at a time for coverage gaps; no pre-existing condition coverage.
• Health Protector Guard: fixed-benefit, first-dollar coverage renewable to age 65, on the UHC Choice/Choice Plus network.
• Bundle ancillary products in one application and bill; new brokers can earn a bonus in their first four months.