Enter your ZIP code:

Utah Health Insurance

No one ever anticipates facing a serious or lengthy illness. But the unexpected does happen, so it's important to find affordable health insurance that covers you sufficiently in just such a situation.

That's why InsureMe has created a free referral service for consumers to make shopping for Utah health insurance quick and easy. Just give us a call or apply online today for five FREE, competitive quotes!

Understanding Utah Health Insurance

Applying for Utah health insurance can be a tiresome process. It takes a lot of time and understanding to review coverage and make sure you understand policy terms, state regulations and insurability.

We have assembled the following information to make your Utah health insurance shopping process easier. Our goal is to educate you so you can make the best, wisest decision possible regarding your Utah health insurance purchase.

Remember to ask plenty of questions and make sure you understand all insurers' offerings before you sign on the dotted line.

Are You Insurable?

Utah health insurance companies consider several factors to determine your insurability. Some of these factors weigh heavily, including:

  • Age
  • Health
  • Habits/Lifestyle
  • Occupation

Your risk of health-related issues increases as you get older, so the older you are when you purchase your Utah health insurance, the higher your premiums will usually be—and the harder it will be to find an insurance company willing to insure you.

If you drink or smoke, you may also have difficulty finding quality Utah health insurance. These habits are associated with various health problems which cost insurance companies millions of dollars in claims every year.

If your job is dangerous or puts your health at risk, this may also contribute negatively to your insurability.

Find the Right Coverage

Selecting the right Utah health insurance company can be critical to your well-being—and your pocketbook.

Consider asking the following questions when searching for a Utah health insurance policy:

  • Is the company/agent licensed?
  • How long has the company been in business?
  • What is the company's complaint ratio?
  • How can I get in touch with the agent or company?
  • How do independent rating agencies such as A.M. Best rate the company?

If you are self-employed, between jobs or not covered by an employer, you may find it difficult to find affordable Utah health insurance. However, health policies are available, so don't give up if you are rejected by the first agent you talk to.

The Utah Insurance Department can help you determine the answers to these questions, as well as find answers to other insurance-related inquires. You can reach them online at www.insurance.utah.gov, or give them a call at 800-439-3805.

Group vs. Individual Plans

Utah health insurance is available in two major categories:

  1. Group/employer/ plans: Available through your employer, these are plans you purchase yourself as a business owner, those you get through your association with a particular industry or professional group, or benefits you bring with you from a previous job.
  2. Individual/family plans: More commonly known as commercial health plans, these include managed-care plans such as HMOs (Health Maintenance Organizations), fee-for-service (or "major medical") plans, PPOs (Preferred Provider Organizations) and Point-of-Service plans.

Most Utah residents carry Utah health insurance benefits through their employer's health insurance plan. But if you are not employed or do not have insurance through your spouse's employer, an individual or family health plan may be just what you need.

Talk to a licensed Utah health insurance agent or company for further explanations of these plans, and to determine which type best suits your individual needs.

Your Protections

In Utah, as in many other states, your health insurance options depend somewhat on your health status. However, state laws protect you in the following ways:

  • You cannot be denied group health coverage due to your health status.
  • Your Utah health insurance policy cannot be cancelled if you become ill.
  • If you have a preexisting condition and you join a new group health insurance plan, your old health coverage must be credited toward the new exclusion period for that condition.
  • If you leave your job and qualify, you may be able to remain in your old group health plan for a specified period of time.
  • Insurers are limited in what they can charge you for individual health coverage.
  • If you live in a low-income household, you and/or your family may qualify for free or subsidized Utah health insurance.
  • If your children are 18 or younger and do not have Utah health insurance, they may qualify for the Utah Children's Health Insurance Program, part of the federal Medicaid system.
  • If you are retired, between the ages of 55 and 65, and are receiving Pension Benefit Guarantee Corporation benefits, you may be eligible for a federal income tax credit to help you pay for health care coverage.
  • If you lost your Utah health insurance and are receiving benefits from the Trade Adjustment Assistance Program, you may also be eligible for federal aid for Utah health insurance coverage.

The Utah Insurance Department can verify all health insurers' licenses, and aid you in filing complaints against any Utah health insurance provider, if needed.

Don't Be Caught Unprepared!

Don't let an unexpected illness catch you or your family by surprise. Contact us today, and prepare for the unexpected.

We'll be waiting to help you find the right Utah health insurance plan!

Free Car Insurance Quotes!  
Free Home Insurance Quotes!  
Free Health Insurance Quotes!  
Free Life Insurance Quotes!  
List of Articles
No. Subject Author Views
55 Wyoming Health Insurance youcomparequotes 4237
54 Wisconsin Health Insurance youcomparequotes 4800
53 West Virginia Health Insurance youcomparequotes 4381
52 Washington, D.C. Health Insurance youcomparequotes 4124
51 Washington Health Insurance youcomparequotes 4765
50 Virginia Health Insurance youcomparequotes 3898
49 Vermont Health Insurance youcomparequotes 4281
» Utah Health Insurance youcomparequotes 4185
47 Texas Health Insurance Quotes youcomparequotes 4421
46 Tennessee Health Insurance Quotes youcomparequotes 4075
45 South Dakota Health Insurance youcomparequotes 4195
44 South Carolina Health Insurance youcomparequotes 4218
43 Rhode Island Health Insurance youcomparequotes 4567
42 Pennsylvania Health Insurance Quotes youcomparequotes 4190
41 Oregon Health Insurance Quotes youcomparequotes 4459
40 Oklahoma Health Insurance youcomparequotes 3993
39 Ohio Health Insurance youcomparequotes 4012
38 North Dakota Health Insurance youcomparequotes 4475
37 North Carolina Health Insurance Quotes youcomparequotes 4520
36 North Carolina Health Insurance Quotes youcomparequotes 4465
35 New York Health Insurance youcomparequotes 6227
34 New Mexico Health Insurance youcomparequotes 4195
33 New Jersey Health Insurance youcomparequotes 4422
32 New Hampshire Health Insurance youcomparequotes 3863
31 Nevada Health Insurance youcomparequotes 4129
30 Nebraska Health Insurance youcomparequotes 4634
29 Montana Health Insurance youcomparequotes 3838
28 Missouri Health Insurance youcomparequotes 4431
27 Mississippi Health Insurance youcomparequotes 4044
26 Minnesota Health Insurance youcomparequotes 4640
25 Michigan Health Insurance Quotes youcomparequotes 4203
24 Massachusetts Medical youcomparequotes 3860
23 Massachusetts Health Insurance Quotes youcomparequotes 4935
22 Maryland Health Insurance youcomparequotes 4276
21 Maine Health Insurance youcomparequotes 4336
20 Louisiana Health Insurance youcomparequotes 4297
19 Kentucky Health Insurance youcomparequotes 4025
18 Kansas Health Insurance youcomparequotes 4080
17 Iowa Health Insurance youcomparequotes 3797
16 Indiana Health Insurance youcomparequotes 4274
15 Illinois Health Insurance Quotes youcomparequotes 4487
14 Idaho Health Insurance youcomparequotes 3988
13 Hawaii Health Insurance youcomparequotes 5465
12 Georgia Health Insurance Quotes youcomparequotes 4014
11 Florida Health Insurance youcomparequotes 4331
10 Delaware Health Insurance youcomparequotes 4019
9 Connecticut Health Insurance youcomparequotes 4162
8 Colorado Health Insurance Quotes youcomparequotes 4150
7 California Medical Insurance youcomparequotes 4278
6 California Medical Insurance youcomparequotes 3984
5 California Health Insurance Quotes youcomparequotes 4539
4 Arkansas Health Insurance youcomparequotes 4475
3 Arizona Health Insurance Quotes youcomparequotes 4022
2 Alaska Health Insurance youcomparequotes 4313
1 Alabama Health Insurance youcomparequotes 4250
XE Login