UHC has many plans and different coverage levels. At SWA, the primary insurance is UHC and I haven't had many problems with them at all. No worse than when I had been with BCBS in the past. SWA is self-insured however and UHC is the administrator. At SWA I pay around 65 or so a month for family coverage including dental and vision (top tier). It is definately not normal and I even met an insurance exec that said he never seen anything that low. I believe Delta, for comparision, is about 300/mo for a family so a larger airline does not mean cheaper rates.