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Utah Health Insurance Broker Services
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Health insurance in Utah is rapidly changing, but Apollo is keeping up. Read on for the basics of health insurance in Utah.
Quick Facts About Health Insurance in Utah
Utah uses the federal Marketplace as its ACA Exchange.
Apollo Insurance Group can help broker plans from 13 different carriers.
Private Health Insurance in Utah
Health insurance is an important part of staying healthy and financially secure. It can help you pay for medical expenses, including doctor visits, prescription medication, and hospital stays. Private health insurance plans provide individuals and families with the flexibility to choose a plan that best fits their specific needs, budget, and preferred network of healthcare providers.
If you are a resident of Utah, there are a number of private health insurance plans available to you.
Types of Private Insurance in Utah
Affordable Care Act (ACA)
The Affordable Care Act (ACA), also known as “Obamacare,” requires all health insurance plans to provide Minimum Essential Coverage. The ACA also offers subsidies to eligible families with a household income below 300% of the Federal Poverty Level. It is the current law governing health insurance in the US.
Health Sharing Plans
Health Sharing Plans, which are typically non-profit and often affiliated with religious organizations, provide healthcare benefits that differ from Minimum Essential Coverage (MEC) and may impose waiting periods for pre-existing conditions. Health Sharing Plans are not legally classified as insurance.
Short Term Plans
Consider short-term health plans if you’re between jobs or don’t use insurance other than for emergencies or injuries. In Utah, you can receive temporary coverage for 363 days. The duration of short term health plans varies by state. While offering less comprehensive coverage than long-term plans, short term medical insurance acts as a safety net for those without insurance or ineligible for enrollment periods due to qualifying life events.
Private Health Insurance Networks
HMO (Health Maintenance Organization)
HMO (Health Maintenance Organization) plans require you to choose a primary care doctor who coordinates your care. HMO plans typically have lower premiums than other types of plans.
POS (Point of Service)
POS (Point of Service) plans are a hybrid of HMO and PPO plans. You can choose a primary care doctor, but you can also see a doctor outside of the network for a higher copay. POS plans typically have premiums in between HMO and PPO plans.
PPO (Preferred Provider Organization)
PPO (Preferred Provider Organization) plans allow you to see any doctor in the plan’s network, but you will pay more to see a docotor outside of the network. PPO plans typically have higher premiums than HMO plans.
EPO (Exclusive Provider Organization)
EPO (Exclusive Provider Organization) also offer a network of doctors and specialists, but coverage for out-of-network providers may vary based on your plan. While some EPOs may require a primary physician, others may not. Unlike HMOs, EPOs generally do not mandate referrals or specialist visits.
Top Health Insurance Companies in Utah
Select Health
- Select Health is a non-profit insurance provider in Utah.
- Select Health currently services for Utah, Idaho, Nevada and Colorado residents.
- Select Health is a proud member of the Alliance of Community Health Plans.
United Healthcare
- UnitedHealthcare is a popular health insurance option in Utah that offers a variety of health insurance plans, including HMO, PPO, and POS plans.
- UnitedHealthcare also offers individual and family plans on the ACA Marketplace.
Blue Cross Blue Shield
- Blue Cross Blue Shield (BCBS) offers a variety of health insurance plans, including HMO, PPO, and POS plans.
- With a large network of doctors and hospitals in Utah, BCBS is committed to providing quality care to its customers.
How to Find Affordable Health Insurance in Utah
When shopping for a private health insurance plan in Utah, it is important to consider your needs and budget. You should also think about the following factors:
Your health: If you have any pre-existing conditions, you will need to make sure that the plan you choose covers those conditions.
Your budget: You should compare the premiums and deductibles of different plans to find one that fits your budget.
Your network: If you have a preferred doctor or hospital, you will need to make sure that they are in the plan’s network.
We understand how difficult it can be to find the right insurance plan for your budget. Contact us today and our agents can help you select a plan that suits your needs.
When to Enroll in Utah Health Insurance
Enrolling in health insurance in Utah is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event.
With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round.
How to Enroll in Utah Health Insurance
To enroll in a health insurance plan in Utah, contact us now. We will work with you to find the best plan for your budget and needs.
Health insurance in the United States is a complicated beast, and Utah is no exception. Let one of the experts at Apollo Health Insurance guide you.
Individual Health Insurance
Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it’s a challenge to navigate and find the right plan for your budget and needs.
That’s where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There’s no extra cost to you and you’ll have an insurance person to always turn to.
Group Health Insurance
Do you want to provide an affordable insurance option for your employees?
Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.
Life Insurance
Let’s be honest, we often don’t think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.
Dental Insurance
A good smile can be worth a million dollars.
Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.
Vision Insurance
Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.
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