I would choose www.goldenrulehealth.com
if you wanted United Healthcare. Golden Rule is a part of United Healthcare. Buying through Golden Rule should make your plan more transportable to other states, as they have contracts with the other United Healthcare firms. (It appears that the may have fixed the integration problems. However, I would start my application at Golden Rule to be on the safe side)
I have been dealing with a broker and have been happy. I do not see a downside with dealing with a good broker. Of course, I did talk with one broker that had no clue.
PS I would indicate on the application that I was getting my own HSA account.
Golden Rule, American Medical Security, and PacifiCare are proud to be members of the UnitedHealthcare family of businesses. UnitedHealthcare is an innovative leader in the health and well-being industry and a part of UnitedHealth Group that currently serves nearly 70 million individuals nationwide, with products and services to help people achieve better wellness.
Golden Rule Insurance Company has been a leader in the individual health market for more than 60 years and offers a wide variety of affordable health insurance plans, including Health Savings Accounts (HSAs), a plan they pioneered. Serving individuals and families is our primary focus. Because we are dedicated to this market, we have developed a unique understanding of the health insurance needs of individuals and families. This knowledge is reflected throughout your experience with Golden Rule -- in our high quality products, our handling of claims, and our customer service. Golden Rule is rated "A" (Excellent) by A.M. Best, independent analysts of the insurance industry. This rating indicates financial strength and stability.
American Medical Security Life Insurance Company provides adaptable, competitive health insurance plans for individuals, families, and small businesses. American Medical Security Life Insurance Company is rated A- (Excellent) by A.M. Best, independent analysts of the insurance industry. This rating is based on financial and operating performance. AMS offers diverse plan designs, allowing customers to enjoy the flexibility of a choice of insurance plans and options.
PacifiCare Health Systems serves more than 3 million health plan members and approximately 10 million specialty plan members nationwide. As one of the nation's largest consumer health organizations, PacifiCare offers a variety of consumer-driven health care and insurance products for individuals, employers, and medicare beneficiaries. PacifiCare's mission is to create long-term shareholder value as a leading consumer health organization committed to making people's lives healthier and more secure.