Finding personal health insurance for you or your family can feel like a daunting task. Altura Benefits is partnered with five of the largest Utah health insurance carriers, making signing up on your own a breeze. Follow one of the affiliate links below to generate a quote today! If you need help navigating, the Altura Benefits team is just a phone call away.
Are you eligible for a tax credit?
If you would like to compare Utah health insurance companies and find out if you qualify for a tax credit or subsidy check out the link below. If you are eligible, you could save a significant amount of money on your monthly premium!
As our most popular statewide carrier in Utah, SelectHealth features the most affordable premiums and in-network coverage with the Intermountain Healthcare facilities. Members can choose from 13 different health plans, and coverage levels often exceed the benchmark standard.
Regence BCBS offers 7 plans for individuals and families who live in Northern and Central Utah. As of 2021, Regence is accepting tax credits from Healthcare.gov, which brings premiums down. Though the plans are more expensive than most competitors, Regence remains a favorite among consumers.
University of Utah Health Plans benefits from its partnership with the University of Utah Healthcare system, as well as MountainStar Healthcare and other statewide partners. Clients who select U of U Health Plans enjoy competitive rates on 7 well-liked plans and strong local customer service.
Molina Healthcare re-entered the individual Utah health insurance marketplace in 2019 after pulling out in 2017. They offer competitively priced silver plans in parts of Utah and contract with Steward and Mountain Star Hospitals. Molina applications must be completed on the healthcare.gov website.
Cigna is a well-established insurance company that is known for their group/business health insurance plans. They entered the Utah individual health insurance market in 2020. Their plans are available in Salt Lake, Utah, Davis, and Weber counties.
If you do not qualify for an enrollment period, short-term health plans are available for application at anytime. However, the coverage is less comprehensive than traditional plans. We strongly encourage you to contact our office to discuss short-term plans, as there are considerable differences.
At a minimum, Utah health care plans must cover at least some of the costs for these categories of 10 essential benefits:
Personal Health Plans
Personal health plans are paid for in part or entirely by the individuals covered by the plan. Personal plans are purchased on an individual basis. Plans can offer additional benefits beyond the required minimums. Different plans require different monthly premium payments, and individuals must pay plan-specific amounts through co-payments or co-insurance for services. Details about what benefits are included in coverage and how much the healthcare plan will pay can be found in the plan’s policy documents.
Most personal health plans are either health maintenance organizations (HMO), which only covers care received from a health care provider in the plan’s contracted network of providers, or preferred provider organizations (PPO), which allows more choices in where to get services.
Public Health Plans
Public health plans are subsidized in part or paid for entirely by government funds. These plans have specific eligibility requirements.
If you do not have a employer-sponsored health plan and do not qualify for a public health plan, then you can buy a personal health plan during the annual open enrollment period from November 1 to December 15. In some circumstances, you can purchase private healthcare coverage during a special enrollment period. Qualifying events that allow you the chance to enroll in a health plan outside of the standard open enrollment period fall into the following categories:
Medicaid and CHIP (Children’s Health Insurance Program) are government-sponsored programs that help some low-income individuals and families pay for medical expenses.
Unfortunately, only employees of The Department of Workforce Services are able to assist with Medicaid or CHIP enrollment. For more questions on Medicaid in the Salt Lake Area- please call The Department of Workforce Services at 801-526-0950 or visit Medicaid.utah.gov.
For questions regarding CHIP please call 877-543-7669.
If you have questions or would like an Altura Benefits team member to help you with a health insurance quote please feel free to call us today!