I have had a United Health Care Policy since Jan. 1,2015. Purchased this on the Healthcare. Gov site with no subsidy from the Federal government. Just over $900 per month. They have been impossible to deal with since day one. We have an HMO from them and we need a referral for other doctors. They contacted my wife's doctor one day prior to a schedule surgery to advise they needed more information before they would pay for the surgery. This is after they had all of the information for 2 months prior to the surgery date. This company absolutely sucks. Avoid at all cost!!!