UnitedHealthcare companies now offer individual health insurance in 17 states through the public and private insurance exchange system. 

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Golden Rule Insurance company, a UnitedHealthcare Company, offers health insurance products to individuals and families in Iowa.

Products available

Provider Information

Iowa-specific coverage provisions

Brochures and forms

Continuity product information

FACT Membership

Ratings and reviews


This fact sheet is meant to be used in conjunction with the assistance of an enrollment agent. Please call or email for more information.

UnitedHealthOne fact sheet in Iowa

Products available

The following products are currently available in Iowa:

  • individual health insurance
  • dental insurance
  • vision insurance
  • continuity coverage
  • FACT membership
  • small business benefit plans
  • short term medical insurance

Click on the quote link above for more information on each product.

Provider Information

Find a UnitedHealthcare participating network provider hospital, doctor, dentist or other specialist located near you.

Become a participating provider

Iowa-specific coverage provisions

Iowa insurance law includes the following provisions that affect individual health insurance:

  • The spine and back limitation does not apply.
  • The preexisting conditions 12-month waiting period may be reduced for persons covered by qualifying prior coverage.
  • The limited exclusion for AIDS does not apply.
  • List-billing of individual insurance policies to an employer or association is permitted
  • Payment for individual insurance by an employer is permitted
  • Find more information on the state insurance department Website


UnitedHealthcare Copay Select video
UnitedHealthcare Health Savings Account video
UnitedHealthcare Plan 100 video
Dental Insurance
Short Term Medical Insurance Plus
Short Term Medical Insurance Value

Brochures and forms

The following forms are available by email from OnlineNavigator in PDF format:

  • Printable Dental Application
  • Printable Health App
  • Printable Short Term App
  • Dental Brochure
  • Health Plans Brochure
  • Short Term Brochure
  • EFT Authorization
  • FACT Marketing Folder
  • Comparison of FACT Benefits
  • Authorization for Disclosure of Personal Information (General)
  • Qualified Medical Expenses
  • HSA Problem Solved Brochure
  • List Bill Set Up Worksheet
  • List Bill Packet
  • ERISA Safe Harbor Rule Requirements
  • List Bill Employer Payor Agreement
  • Employer Payor for Multiple Applicants Packet
  • Employer Payor for Multiple Applicants Agreement
  • Prescription Drug List (4 Tier)
  • Prescription Drug List (Discount Card and Preferred Price Card)
  • Network Availability Listing
  • Heart Murmur Inquiry
  • Short Term Application and Payment Information

Continuity Product information




FACT Membership

Brochure and enrollment packet

Ratings and reviews

See UnitedHealthcare's National Committee on Quality Assurance report card for Iowa


July 1, 2011 - Iowa Open Enrollment Information- The Iowa open enrollment period for child-only, under 19 individuals will be from July 1 – August 14 annually. For applications received during the open enrollment period, coverage shall be offered on a guaranteed issue basis. Eligibility An individual applying for coverage during the open enrollment period or during a qualifying event period shall not be eligible for guaranteed issue coverage if the individual has other coverage or if other coverage is available at the time of the effective date of coverage. Other coverage shall not include coverage through the Iowa Comprehensive Health Association (HIPIOWA) or HIPIOWA-FED.

A qualifying event for a child under the age of 19 means:

  • The child lost renewable creditaable coverage as defined in Iowa Code section 514A.3B(3) as a result of termination of the parent's or guardian's employment or eligibility, the involuntary termination of creditable coverage, death of the parent or guardian, or the divorce or legal separation of the child's parent or guardian; or
  • The child waas covered under a mandated continuation of employer group coverage until that coverage was exhausted; or
  • The child became a resident of Iowa during a month that was not the child's birth month; or
  • The child's marriage, birth, adoption, or placement for adotption occurs; or
  • A court has ordered that coverage be provided for a spouse or minor or dependent child under a covered parent's or guardian's health insurance coverage.

If an application made during the open enrollment period is approved, coverage will begin September 1. Special application procedures will be required because the automated online quoting and enrollment system are not equipped to handle a child-only application. Call or email for assistance with a child-only application.

OnlineNavigatorTM Tony Novak reminds parents that an application for health insurance coverage may be made at any time without a qualifying event when the application includes a parent. A family-type application is not guaranteed acceptance so the applicants must meet regular health underwriting requirements when applying outside of the Iowa open enrollment program.

OnlineNavigator and OnlineAdviser are trademarks of Freedom Benefits, P.O. Box 333, Newport NJ 08345, (800) 609-0683. UHCenrollment.com service is provided by Tony Novak, CPA, MBA, MT, who is not an employee, agent or producer for UnitedHealthcare companies. Other company names, products or trademarks are not affiliated with OnlineNavigator, OnlineAdviser or Freedom Benefits. The opinions expressed are those of the author and do not express the views of any other company. Content on this Web site is not meant as an offer to sell insurance or any other financial product. This is an independent service not affiliated with any government agency or state-run health insurance exchange.

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