Medical plans for employers

Employer-sponsored health insurance not only supports your employees’ health, but the health of your business, too. A healthy workforce may help reduce missed workdays, boost productivity and improve retention. Strong health benefits can also help attract top talent.¹ With a wide range of plans and benefits, UnitedHealthcare can help you find the right fit for your business and budget.

Taking good care of your business and employees

Providing access to quality care

It's important for employees to get the health care they need as simply as possible. Our largest network gives employees access to more than 1.8 million physicians and health care professionals and over 5,600 hospitals.²

Delivering a simpler experience

Benefits like $0 copays for office visits, virtual care, rewards programs and more are designed to help make it easier for employees to get care when they want it and take steps toward better health.

Working hand-in-hand with providers

We work closely with network providers and facilities to help deliver access to quality, evidence-based, cost-efficient care. This is done through incentives, value-based arrangements and data sharing.

Explore a variety of medical plans for your business

Our plans offer benefits and coverage solutions that can adapt to your needs. We also offer flexible funding arrangements, including fully insured, level funded and self-funded/administrative services only.

Open access plans

Give employees flexibility and choice with referral-free access to care across a large national network. A tiered-benefit design helps provide cost savings for employers when employees visit higher‑value providers.

Learn more about open access plans

Primary care provider aligned plans

Offer more efficient, cost‑effective care with a plan design that encourages employees to build a relationship with a primary care provider (PCP). PCPs manage care referrals, which may help reduce unnecessary or higher-cost services.

Learn more about primary care provider aligned plans

Value-based plans

Emphasizing quality, evidence-based care, value-based plans focus on patient health outcomes instead of care services delivered. Employees manage their care through a PCP, offering a whole-person approach that may help lower overall health care costs.

Learn more about value-based plans

Surest plans

Provide a different kind of health plan with more choice and clear, upfront pricing. Employees can see care costs before making an appointment, which may help them save money. Plus, Surest plans are copay only, with no deductible or coinsurance.

Learn more about Surest plans

Let's connect

Get a quote from a representative

Review your current coverage and see if a plan from UnitedHealthcare may be a better fit for your business.

Ask for a quote

Do you have fewer than 50 employees?

Compare health plans available in your area for your small business and ask for a quote.

Find a plan

Are you a current agent or broker?

Contact your UnitedHealthcare representative to get a quote for your clients. Or use the quoting tool on uhceservices to compare coverage options.

Contact your UnitedHealthcare representative to get a quote for your clients. Or visit uhceservices.com on your desktop or tablet device to sign in to your account.

Footnotes

EPC unpacked: how employer-sponsored health coverage drives growth, U.S. Chamber of Commerce, updated 4/8/26, accessed April 2026
UnitedHealth Network Access internal analysis, June 30, 2026.

Disclaimers

These policies have exclusions, limitations and terms under which the policies may be continued in force or discontinued. For costs and complete details of the coverage, contact your broker or UnitedHealthcare sales representative.

Employee benefits including group health plan benefits may be taxable benefits unless they fit into specific exception categories. Please consult with your tax specialist to determine taxability of these offerings.

Level Funded: Person must reside within the United States. An employee residing in Hawaii is not an Eligible Person. May not be available in all states.

Fully Insured: Insurance coverage provided by or through UnitedHealthcare Insurance Company or its affiliates.

Self-funded: Administrative services provided by United HealthCare Services, Inc. or their affiliates.

Level Funded: Administrative services provided by United HealthCare Services, Inc. or their affiliates, and UnitedHealthcare Service LLC in NY. Stop-loss insurance is underwritten by UnitedHealthcare Insurance Company or their affiliates, including UnitedHealthcare Life Insurance Company in NJ, and UnitedHealthcare Insurance Company of New York in NY.