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 f
inancial 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.