Multi-Choice Flexible Small Business Health Insurance | Resources | Indiana | Small Business UnitedHealthcare®
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Choosing a health care plan for your business would be easy if all your employees were the same. But they're not.

So why not offer multiple plans and control your costs at the same time? UnitedHealthcare Multi-Choice® is easy, automatic and personal for you and your employees.

Here's how it works.

The Problem

All your employees are unique, so how do you offer one health plan that will work for all of them while keeping your costs under control?


You offer choice.

We call it Multi-Choice and it's really easy to do!

Simply tell us who you're insuring and set a budget. Your employees choose their own plans, your costs are fixed.
You can add, edit or delete plans anytime and create a totally custom package, too. It's up to you!

Everyone wants, and needs, something different from their health insurance.

single employee

A young single who will trade a higher deductible and smaller network for a lower monthly premium.


An employee who wants a plan that is easy to use with an affordable premium and deductible for their family.

family employee

A professional who prefers a higher premium, a low deductible and wants an HSA.

Offering a wide variety of plans makes sure a plan that fits is available for everyone.

He might choose a bronze level plan because...

Doesn't use coverage very much
Only visits a few providers
Prefers a lower monthly premium

She might choose a silver level plan because...

Uses coverage regularly
Only needs access to specific providers
Mid-range premium and deductible

She might choose a gold level plan because...

Uses more often than when younger
Needs more access to varied providers
Higher premium, lower deductible

"That sounds great... but won't that cost me more money?"

Nope, that's where the magic of Multi-Choice comes in!

Well, it's not really magic. Let us show you how it's done.

magic hat with bronze medal popping out

Ok, it's a little magic.

We'll create a benefits package that has a wide variety of plans for your employees to choose from.

Your employees will be able to choose from all available plans in your area by default. Of course, you can remove plans that you would not like to offer, but why not let your employees choose for themselves?

Tell us who you’re insuring and set your budget.

It only takes a few minutes to add some basic information about your employees. We'll show you a range of cost for your business to cover as your fixed total contribution.
budget slider screenshot

The amount you pay is set at

now it's up to your employees.

laptop on fit finder page

You're done! Now we help your employees find their perfect fit coverage.

You Pay Employees Pay

Using our interactive tool your employees will quickly find a plan that fits, on their own. It doesn't matter how many plans you offer, finding their perfect fit will be easy. And they won't need your help!

Everybody wins...

Your employees get the power of choice, you get controlled, more predictable health care costs.
The great part?

It's so easy!

Let's get started.

We'll create a Choice-Simplified offering for you in just a few simple steps.

Offer your employees options, and control your costs.

It's unlikely that a single health plan can fit everyone's needs so why not let them choose their own coverage? With Multi-Choice your small business can offer several plans to choose from without taking on extra cost. Employees get control over their health coverage, your business gets controlled costs.