Healthy Savings Plan - 2022

With this plan, you can use any doctor, clinic, hospital or health care facility you want in our national network. 

There’s coverage if you need to go out of the network. However, seeing an out- of-network provider will likely cost you more.  If you need to see a specialist, a referral is not required.  

Preventive care is covered 100 percent in the network. You don't have to pay any out-of-pocket costs for age-appropriate preventive care as long as you use a network doctor.


Network Coverage

Both network and out-of-network providers covered

Primary Care Physician

Primary care provider not required—but choosing one is highly recommended


Copay due for certain services, prescriptions and locations

Savings Account Options

Health savings account (HSA) offered

Plan Details
Individual Family
Deductible $1,750 $3,500
Out-of-pocket Limit $3,500 $7,000

Are your providers in network?

Primary care provider not required-but choosing one is highly recommended.

Network Coverage

Network coverage plays a big part in delivering you cost savings and quality care. With the network, you'll have access to a group of health care providers and facilities that have a contract with UnitedHealthcare. Finding providers in the network is easy when you use Provider Search.

Stay in the network - To help save on costs, choose care and services from within our network.

Look for the hearts

To help you find quality and cost-efficient doctors, the UnitedHealth Premium® program fully evaluates doctors in various specialties.

Primary Care Physician

While this plan does not require you to have a primary care physician (PCP), choosing one for yourself and each member is highly recommended. Your PCP is your health guide - coordinating your care, helping you avoid cost surprises and supporting you in achieving your best health.

It's easy to find and choose a network PCP - just go to Provider Search to get started.

Copays & Cost Sharing

Most health plans share the same idea: there's how much you pay for the cost of care, when you pay for it, and what percentage of those costs you and your plan share. It can all be a little confusing, especially when you add in words like "deductible" and "copay".

To make it easier, here's an example of how health plans work.

At the start of your health plan year...

You're responsible for paying 100% of the costs for covered health care, up until you reach your deductible. The deductible is the amount you pay before the plan starts sharing costs. Age appropriate preventive care is covered 100% as long as you use a network provider.

About COPAYS...

Some health plans have a copay, which is a fixed amount you pay each time you see a provider or purchase a prescription. Because copays don't count toward your deductible, you're responsible for paying 100% of your copay up until you reach your out-of-pocket limit.

When you reach your DEDUCTIBLE

Coinsurance kicks in and your health plan starts sharing a percentage of these costs with you, up until you reach your out-of-pocket limit.

When you reach your OUT‑OF‑POCKET LIMIT

The most you'll have to pay for the costs of health care in a plan year is your out-of-pocket limit. Once this limit is reached, your health plan covers you at 100% for the rest of the plan year.

Health Savings Account

This plan comes with an opportunity to open up a health savings account (HSA) — a bank account where you can put money aside, tax-free, to save and pay for eligible health care expenses.

Save today, spend whenever

Spend your HSA money on eligible health expenses now.

Build up your HSA savings and use it later.

Your savings can be carried over year to year, even if you change jobs.

Enjoy tax advantages

Deposits are exempt from both federal and state income tax.

Your savings grow tax free.

Money you spend on eligible health care expenses is income tax free.

Use your account easily

Use money in your HSA to pay for qualified medical expenses.

Pay bills online or pay with checks linked to your HSA.

Upload receipts and store them in your own online receipt vault.

Services Covered

With this plan, preventive services are covered at 100%. Here's just a partial list of what's covered - for the full list view full benefits

Doctor Office Visits and Labs

Emergency and Outpatient Care

Mental Health and Substance Disorder Service

Pregnancy and Newborn Care

Health and Wellness

The UnitedHealth Premium® designation program is a resource for informational purposes only. Designations are displayed in UnitedHealthcare online physician directories at®. You should always visit for the most current information. Premium designations are a guide to choosing a physician and may be used as one of many factors you consider when choosing a physician. If you already have a physician, you may also wish to confer with him or her for advice on selecting other physicians. You should also discuss designations with a physician before choosing him or her. Physician evaluations have a risk of error and should not be the sole basis for selecting a physician. Please visit for detailed program information and methodologies.