Golden Rule is a type of health insurance plan that is offered by UnitedHealthcare. It is a PPO (Preferred Provider Organization) plan, which means that you can see any doctor or specialist that you want, but you will pay less if you use doctors and hospitals that are in the Golden Rule network. The plan has no deductible, and there is no maximum out-of-pocket limit. You will pay 20% coinsurance for most services, after meeting your $30 copay for office visits and $50 copay for ER visits.