United Healthcare
Our Rating: ★★★★☆
Hospital & Fixed Indemnity
The cost of medical care can add up quickly. Health ProtectorGuard fixed indemnity plan pays fixed cash benefits for specific hospital and doctor expenses. With Health ProtectorGuard, youcan receive benefits for the entire family and continue to renew your plan through age 65.
Short Term Health Insurance
Designed to meet the temporary health insurance needs of individuals and families. Accessible year round and even offers next day effective dates for those who qualify.
Dental
Provides coverage for preventive, basic and major dental services with no age limit. Preserving dental health is important to a person’s overall well-being. Make it easy to have routine maintenance and other essential services with a UnitedHealthcare Dental plan.
Vision
Covers eye exams, glasses and/or contacts once every 12 months. Coverage is available for all ages, when the primary insured is at least 18 years of age or older.
UHC Product Brochures
Hospital Safeguard GI
| Accident ProGuard - accident & critical illness | Accident SafeGuard Premier Brochure |
| Accident ProGap - accident, critical illness & hospital admission | Critical Guard |
| DentalWise | Dental Brochure |
| Discount Card Brochure | Health Protector Guard |
| Hospital SafeGuard - guaranteed issue | Short Term |
| Term Life | Vision Brochure |
Top 2026 UnitedHealthcare plans - details and ratings
UnitedHealthcare covers most Texas ZIP codes with 31 plans for 2026, including Sanitas-clinic plans in San Antonio and Kelsey-Seybold network plans in Houston. Its $0-deductible Copay Focus designs are the standouts; two large consecutive rate asks are the caution. Representative 2026 plans; single, in-network figures.
Star ratings are seeded from public ratings and complaint data and adjust as visitors rate each plan.
UHC Bronze Copay Focus $0 Indiv Med Ded$0 Med Deductible
Zero medical deductible with copays from day one.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.4 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
UHC Bronze EssentialBudget
The lowest-premium lane - deductible equals the out-of-pocket cap.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.4 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
UHC Silver Value
Low-deductible silver for the tier.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.4 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
UHC Silver Advantage
Balanced silver design.
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Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.4 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
UHC Gold Copay Focus $0 Indiv Med Ded$0 Med Deductible
The copay-first design at gold level.
Rate this plan
Rate all four categories - Cost, Plan Value, Customer Service, and Network Size - to unlock the submit button. Comment optional. If you add a first name or county they are shown with your review - leave them blank to stay anonymous.
Baseline: 3.4 / 5 - seeded from public ratings and complaint data; updates as visitor ratings come in.
We have not found enough verifiable public member commentary on UnitedHealthcare’s Texas marketplace plans to quote fairly - your rating above genuinely helps the next shopper.
UnitedHealthcare rate filing history
Texas does not publish a clean requested-vs-approved table per carrier, so this table combines this carrier’s known filed figures with statewide averages:
| Plan year | Requested | Approved | Note |
|---|---|---|---|
| 2026 (UHC) | +23.02% | ||
| 2027 (UHC) | +27.37% / +33.96% | pending | Two filing entities |
| 2020 (statewide) | -1.4% | ||
| 2023 (statewide) | +8.8% | +4.9% | After Bright and Friday exits |
| 2024 (statewide) | +4.2% | Semi-weighted final | |
| 2025 (statewide) | +5.8% | Preliminary semi-weighted | |
| 2026 (statewide) | +31.1% | +34.7% | Final; enhanced-subsidy expiration |
| 2027 (statewide) | +14.1% | pending | Final expected ~Oct 2026 |
Sources: Texas Department of Insurance filings, ratereview.healthcare.gov, and ACA Signups Texas tables. Texas does not publish clean per-carrier approved figures for most years, so statewide averages are shown where carrier detail is unavailable. Figures are market averages, not your personal premium; subsidies can absorb much of an increase.