Flexible health coverage plans for small business

Build flexibility into your group health plan

Health care coverage can be an integral part of your benefits strategy, helping you attract and retain top talent. UnitedHealthcare offers a variety of group health options, and the plans below emphasize the shared responsibility of employers and employees in getting access to quality care while controlling costs.

Each type of plan offers a different approach to care and coverage. Talk to a UnitedHealthcare representative or health insurance broker to understand your options and to find the plan that best fits you and your employees.

Types of plans

Consumer-driven health plans

These popular plans include health savings accounts (HSAs) and health reimbursement accounts (HRAs), designed to help employees use health care services more effectively by becoming informed about and more financially responsible for their health care choices.

Primary care centered plans

These plans typically allow members to choose a primary care physician to help them manage their care and provide referrals for medical specialist services.

Tiered benefit plans

Available in a range of designs, tiered benefit plans are intended to provide savings opportunities by encouraging members to make informed decisions about where to seek care.

Defined contribution plans

Offering choice and flexibility for employees and stable costs for employers, defined contribution plans provide a fixed dollar amount to each employee, then employees reimburse themselves for health insurance related expenses.

How to estimate your costs

Start here to find group health insurance quotes for a plan that is designed to suit your employees’ needs — and fit better with your bottom line.

Working with a broker

Find out how health insurance brokers work, and how they can help you compare options to find the best plan for your business.