Medical Insurance Overview

Good employee health is beneficial to everyone. It reduces stress and provides a longer, more enjoyable life. Good employee health also increases employee productivity and lowers healthcare costs.

ORNL offers medical coverage through UnitedHealthcare. This plan also includes prescription and vision coverage. The Consumer Choice Plan offers a Health Savings Account (HSA), if eligible. Select your personal HSA contributions if you want your deductions to start in January 2025.

Medical Coverage Details


In 2025, the deductibles for the Consumer Choice medical plan will increase to $1,650 (individual coverage) and $3,300 (dual and family coverage). This change is due to the IRS adjusting the minimum deductibles for the high deductible health plans to qualify for a Health Savings Account. The out-of-pocket maximums will remain the same at $2,500 (individual) and $5,000 (dual and family).

To review your coverage details, select a resource below.


If you are a current UnitedHealthcare member, visit myuhc.com and use the Find a Doctor tool or call UnitedHealthcare at 1-844-234-7925 to learn more about your in-network providers and estimate your potential costs for services.

If you are not a UnitedHealthcare member, visit whyuhc.com, Find a Doctor, All UHC Plans, Choice Plus or call UnitedHealthcare at 1-844-234-7925  to explore in-network providers and estimate your potential costs for services before you enroll in a health plan.