A
UnitedHealthcare Insurance Company, Inc. — HDHP
FEHB Not offered after 2026|UnitedHealthcare Insurance Company, Inc. (A HDHP with a Health Savings Account (HSA))|HDHP|HMO/POS
Also listed as: United Healthcare Insurance Company, Inc. (HDHP Choice Plus); United Healthcare Insurance Company, Inc. (HDHP); UnitedHealthcare Insurance Company, Inc. (A HDHP with a Health Savings Account (HSA)); UnitedHealthcare Insurance Company, Inc. Choice HDHP; UnitedHealthcare Insurance Company, Inc. Choice Plus HDHP
Premium
biweekly · employee paysSelf Only 2026
$108.46biweekly · employee pays
vs 2025+$10.17 +10.3%
Lowest$51.21 (2020)
Highest$108.46 (2026)
Since 2016+83.2%
Self Plus One 2026
$232.86biweekly · employee pays
vs 2025+$21.53 +10.2%
Lowest$110.11 (2020)
Highest$232.86 (2026)
Since 2016+101.5%
Self & Family 2026
$249.10biweekly · employee pays
vs 2025+$23.02 +10.2%
Lowest$117.79 (2020)
Highest$249.10 (2026)
Since 2016+42.1%
Premium history
SharePeriodRate type
Year by year
follows the chart's share, period and rate-type selection| Year | Self Only | Δ | Self Plus One | Δ | Self & Family | Δ | Listed as |
|---|
Changelog
- 2016First appears in OPM rate tablesNew plan option for 2016.
- 2017Renamed“United Healthcare Insurance Company, Inc. (HDHP Choice Plus)” → “United Healthcare Insurance Company, Inc. (HDHP)”
- 2018Renamed“United Healthcare Insurance Company, Inc. (HDHP)” → “UnitedHealthcare Insurance Company, Inc. Choice Plus HDHP”
- 2019Largest decrease: -6.7%Self Only employee share went from $55.72 to $51.96.
- 2019Renamed“UnitedHealthcare Insurance Company, Inc. Choice Plus HDHP” → “UnitedHealthcare Insurance Company, Inc. (A HDHP with a Health Savings Account (HSA))”
- 2020Renamed“UnitedHealthcare Insurance Company, Inc. (A HDHP with a Health Savings Account (HSA))” → “UnitedHealthcare Insurance Company, Inc. Choice HDHP”
- 2022Largest increase: +27.3%Self Only employee share went from $60.94 to $77.55.
- 2026Renamed“UnitedHealthcare Insurance Company, Inc. Choice HDHP” → “UnitedHealthcare Insurance Company, Inc.”
- 2027No longer offeredNot present in OPM rate tables for 2027.
Full rate schedule
Plan yearIn-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | $2,000 | $4,000 | $4,000 |
| Medical account contribution | $750 | $1,500 | $1,500 |
| Net deductible | $1,250 | $2,500 | $2,500 |
| Annual out-of-pocket maximum | $6,000 | 12000 | $12,000 |
- Type of accountHealth Savings Account
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$6,000
- Primary care physician office visit (with Medicare Part B as Primary)$15 Copayment
- Specialty office physician visit (with Medicare Part B as Primary)$50 Copayment
- Inpatient Hospital Services (with Medicare Part A as Primary)$500 Copayment
- Outpatient hospital services (with Medicare Part A as Primary)$250 Copayment
- Outpatient physician services (with Medicare Part B as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare as Primary)Not applicable
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)Not applicable
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)Not applicable
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays Nothing
- Primary Care Office Visit$15 Copayment
- Specialist Office Visit$50 Copayment
- Emergency Care$350 Copayment
- Urgent Care$50 Copayment
- Doctor Costs for Inpatient Surgery20% Coinsurance
- Hospital Inpatient Cost Per Admission$500 Copayment
- Hospital Room CostsMember Pays Nothing
- Other Inpatient Hospital CostsMember Pays Nothing
- Doctor Costs for Outpatient Surgery20% Coinsurance
- Other Outpatient Surgery Costs$250 Copayment
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)$50 Copayment
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)$150 Copayment
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Not applicable
- Tier 1$10 Copayment
- Tier 2$50 Copayment
- Tier 3$100 Copayment
- Tier 4$200 Copayment
- Tier 5Not applicable
- Tier 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Yes
- Mail Order Pharmacy Restriction (Prescription Drugs)Yes
- Specialty Pharmacy Restriction (Prescription Drugs)Yes
- Applied Behavioral Analysis (ABA)$50 Copayment
- Chiropractic20% Coinsurance
- Occupational Therapy$50 Copayment
- Physical Therapy$50 Copayment
- Speech Therapy$50 Copayment
- Professional Services (Mental Health and Substance Use Disorder)$50 Copayment
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)$50 Copayment
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)$50 Copayment
- Diagnosis and Treatment (Infertility Services)$50 Copayment
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)20% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)50% Coinsurance
- Surgical Procedures20% Coinsurance
- Reconstructive Surgery20% Coinsurance
- Hearing Services$50 Copayment
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)$50 Copayment
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)$500 Copayment
- Hospice Care20% Coinsurance
- Home Health Services (Skilled Nursing Care)$50 Copayment
- Durable Medical Equipment20% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)$50 Copayment
- Diabetes Education$50 Copayment
- Nutritional Counseling$50 Copayment
- Routine Dental Exams and Cleaning for AdultsCovered
- Routine Dental Exams and Cleaning for ChildrenCovered
- Routine Eye ExamsCovered
- Eye Exams for Medical Condition or Non-Surgical TreatmentCovered
- EyeglassesNot Covered
- Contact LensesNot Covered
- Acupuncture20% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
Out-of-network
2026 plan benefits file| Self Only | Self Plus One | Self & Family | |
|---|---|---|---|
| Annual deductible | Not applicable | Not applicable | Not applicable |
| Medical account contribution | Not applicable | Not applicable | Not applicable |
| Net deductible | Not applicable | Not applicable | Not applicable |
| Annual out-of-pocket maximum | 12000 | 24000 | 24000 |
- Type of accountHealth Savings Account
- Deductible waiver (with Medicare Part A as Primary)Not applicable
- Deductible waiver (with Medicare Part B as Primary)Not applicable
- Deductible waiver (with Medicare Parts A and B as Primary)Not applicable
- Out-of-pocket maximum (with Medicare Parts A and B as Primary)$12,000
- Primary care physician office visit (with Medicare Part B as Primary)Not applicable
- Specialty office physician visit (with Medicare Part B as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Part A as Primary)Member Pays All Charges
- Outpatient hospital services (with Medicare Part A as Primary)Member Pays All Charges
- Outpatient physician services (with Medicare Part B as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare as Primary)Not applicable
- Requirement for Part B ReimbursementNot applicable
- Deductible Waiver (with Medicare Advantage Part C as Primary)Not applicable
- Out-of-Pocket Maximum (with Medicare Advantage Part C as Primary)Not applicable
- Primary Care Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Specialty Physician Office Visit (with Medicare Advantage Part C as Primary)Not applicable
- Inpatient Hospital Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient Hospital Facility Services (with Medicare Advantage Part C as Primary)Not applicable
- Outpatient physician services (with Medicare Advantage Part C as Primary)Not applicable
- Part B Premium Reimbursement (with Medicare Advantage Part C as Primary)Not applicable
- Medicare Part D EGWP Prescription Drug Deductible WaiverNot applicable
- Medicare Part D EGWP Prescription Drug Out-of-Pocket MaximumNot applicable
- Medicare Part D EGWP Tier 0Not applicable
- Medicare Part D EGWP Tier 1Not applicable
- Medicare Part D EGWP Tier 2Not applicable
- Medicare Part D EGWP Tier 3Not applicable
- Medicare Part D EGWP Tier 4Not applicable
- Medicare Part D EGWP Tier 5Not applicable
- Medicare Part D EGWP Tier 6Not applicable
- Preventive CareMember Pays All Charges
- Primary Care Office Visit30% Coinsurance
- Specialist Office Visit30% Coinsurance
- Emergency Care30% Coinsurance
- Urgent Care30% Coinsurance
- Doctor Costs for Inpatient Surgery30% Coinsurance
- Hospital Inpatient Cost Per Admission30% Coinsurance
- Hospital Room Costs30% Coinsurance
- Other Inpatient Hospital Costs30% Coinsurance
- Doctor Costs for Outpatient Surgery30% Coinsurance
- Other Outpatient Surgery Costs30% Coinsurance
- Diagnostic Tests or Procedures (e.g., Blood Tests, X-rays, Urinalysis, Ultrasounds)Member Pays All Charges
- Diagnostic Tests or Procedures (e.g., CT scans, MRIs, PET Scans)Member Pays All Charges
- Enhanced Lab NetworkNot applicable
- Annual Out-of-Pocket Maximum for PrescriptionsNot applicable
- Tier 0Not applicable
- Tier 1Member Pays All Charges
- Tier 2Member Pays All Charges
- Tier 3Member Pays All Charges
- Tier 4Member Pays All Charges
- Tier 5Not applicable
- Tier 6Not applicable
- Mail Service Pharmacy Benefit (Prescription Drugs)Not applicable
- Mail Order Pharmacy Restriction (Prescription Drugs)Not applicable
- Specialty Pharmacy Restriction (Prescription Drugs)Not applicable
- Applied Behavioral Analysis (ABA)30% Coinsurance
- Chiropractic30% Coinsurance
- Occupational Therapy30% Coinsurance
- Physical Therapy30% Coinsurance
- Speech Therapy30% Coinsurance
- Professional Services (Mental Health and Substance Use Disorder)30% Coinsurance
- Inpatient Hospital (Mental Health and Substance Use Disorder Services)30% Coinsurance
- Outpatient Hospital (Mental Health and Substance Use Disorder Services)30% Coinsurance
- Diagnosis and Treatment (Infertility Services)30% Coinsurance
- Fertility Preservation Procedures (e.g., iatrogenic infertility) (Infertility Services)30% Coinsurance
- Artificial Insemination Services (e.g. ICI, IVI, IUI)50% Coinsurance
- Assisted Reproductive Technology (ART) (e.g., IVF, GIFT, ZIFT) (Infertility Services)50% Coinsurance
- Surgical Procedures30% Coinsurance
- Reconstructive Surgery30% Coinsurance
- Hearing Services30% Coinsurance
- Hearing Aids (external)Not Covered
- Prenatal Care, Screening for Gestational Diabetes, Delivery, and Postpartum Care (Maternity Care)30% Coinsurance
- Hospital Stay--Vaginal Birth, Cesarean Birth (Maternity Care)30% Coinsurance
- Hospice Care30% Coinsurance
- Home Health Services (Skilled Nursing Care)30% Coinsurance
- Durable Medical Equipment30% Coinsurance
- Outpatient Rehabilitation (Skilled Nursing Care Facility)30% Coinsurance
- Diabetes Education30% Coinsurance
- Nutritional Counseling30% Coinsurance
- Routine Dental Exams and Cleaning for AdultsNot Covered
- Routine Dental Exams and Cleaning for ChildrenNot Covered
- Routine Eye ExamsNot Covered
- Eye Exams for Medical Condition or Non-Surgical TreatmentNot Covered
- EyeglassesCovered
- Contact LensesCovered
- Acupuncture30% Coinsurance
- Chronic Disease Management: Heart DiseaseCovered
- Chronic Disease Management: ObesityCovered
- Chronic Disease Management: HypertensionCovered
- Chronic Disease Management: AsthmaCovered
States
5ArizonaColoradoNevadaOregonWashington
Counties covered
| State | Area |
|---|---|
| Arizona | Maricopa, Pima, Pinal, Santa Cruz |
| Colorado | Entire state |
| Nevada | Entire state |
| Oregon | Entire state |
| Washington | Entire state |
Service area over time
| Year | States / areas listed |
|---|---|
| 2026 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2025 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2024 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2023 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2022 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2021 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2020 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2019 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2018 | Arizona, Colorado, Nevada, Oregon, Washington |
| 2017 | Arizona, Colorado |
| 2016 | Arizona, Colorado |