Healthy consumers who worry about their future insurability have a new option for locking in their ability to have individual coverage in the future.

Golden Rule, Indianapolis, a unit of UnitedHealth Group Inc., Minnetonka, Minn., has introduced the UnitedHealth Continuity prroduct.

Consumers can apply for individual coverage through the program today, then “turn off” the coverage if they have no current need for the coverage, Golden Rule says.

Holders can turn on the coverage if they become unemployed, shift to employers without group coverage, or need coverage for other reasons, Golden Rule says.

The ability to activate the coverage will last till the individual reaches age 65, the company says.

Golden Rule has started selling the program in 25 states and is applying for permission to sell the program in all states in which it sells health insurance.