If you’re a Utah resident, we’ve got good news for you: health insurance is quite reasonably priced in your state. There are a variety of affordable plans available, and most of these plans will offer the option to add on dental and vision insurance. The cheapest health insurance plans in your state have monthly premiums as low as $320, dental add-ons as low as $47, and vision coverage as low as $10, depending on your age, location, household size, and other factors. The average monthly cost for a full-coverage health insurance plan for residents of Utah is $440, but some people are also eligible for free plans.
Utah Health Insurance Companies
There are many health insurance companies in Utah. Here’s a look at a few of your top choices:
Molina Healthcare of Utah offers Medicaid, CHIP, Medicare Supplement Plans, and Medicare Advantage plans to Utah residents, in addition to inexpensive Marketplace health insurance. They offer Bronze, Silver, and Gold plans for both individuals and families. Some people shopping for these plans through Molina may even be eligible for financial help.
University of Utah Health Insurance Plans
Health plans offered by the University of Utah cover individuals, families, and groups. They also provide Medicaid and Medicare plans.
Basic health benefits covered by their individual and family plans include outpatient and inpatient care, lab testing, prescription medications, preventive care, emergency services, maternity services, mental and behavioral health services, and pediatric care services.
Health Insurance Marketplace Plans in Utah
If you’re looking for health insurance in Utah, the health insurance Marketplace is a good place to start. Marketplace health insurance, which was created by the Affordable Care Act, offers certain consumer protections, guarantees coverage for pre-existing conditions, and includes coverage for what are known as the “10 essential health benefits”:
- Ambulatory patient services (outpatient care)
- Emergency services
- Pregnancy, maternity, and newborn care (both before and after birth)
- Mental health and substance use disorder services, including behavioral health treatment (including counseling and psychotherapy)
- Prescription drugs
- Rehabilitative and habilitative services and devices
- Laboratory services
- Preventive and wellness services and chronic disease management
- Pediatric services, including oral and vision care (but adult dental and vision coverage aren’t essential health benefits)
The ACA-compliant plans offered on the Marketplace are divided into different types, known as metal tiers: Bronze, Silver, and Gold. These tiers do not signal a difference in quality of care, though. The tiers differ in your out-of-pocket costs versus what your plan covers.
It’s important to remember that the Marketplace only offers the plans of participating providers. So unfortunately, while the Marketplace is a great tool, you may not be able to compare every plan available to you.
Whether you want a Marketplace plan, or a plan from a private insurer, an EZ agent can help. We work with all carriers in your state to compare all options available.
Over half of the uninsured in Utah who qualify for Marketplace insurance coverage could get a Bronze plan for FREE.
Utah’s Short Term Health Insurance Plans
If you’ve missed the health insurance Open Enrollment Period (OEP), or if you need health insurance for a short amount of time, short-term plans are a great option. It’s important to note, though, that these policies tend to only cover the basics, and you can be denied one of these plans if you have a pre-existing condition.
There are some rules around short-term plans, though, both at the federal and the state level. Some states choose to have their own guidelines separate from federal guidelines, or to not offer short-term plans at all. Like many states, Utah adheres to federal guidelines for short-term plan limits, meaning plans can be purchased for an initial term of 364 days, with an option to renew up to 3 times for a maximum of 36 months of coverage with the same short-term plan. Once that plan expires, though, you can choose to purchase another plan.
Utah Health Insurance Resources
You have access to a variety of resources that can make getting coverage simpler. You can look at insurance company websites, speak to your employer, and check out your eligibility for government assistance.
Insurance company sites – If there is a certain insurance carrier you know you want to use, you can browse their website to find out more about their individual plans and make a purchase there. This is only useful if you are certain that they have the best option for you, because you will only be able to see the plans they offer.
Your employer – While employers in Texas are not required to offer health insurance, the majority do. You can ask your HR department about your options and how much plans cost.
Government assistance programs – Medicaid and Medicare are two government-funded health insurance programs available to people in certain circumstances. Adults over 65, or those between the ages of 18 and 65 who have a qualifying disability are eligible for Medicare. Medicare plans are reasonably priced and offer a wide range of healthcare benefits. Medicaid is a program for low-income individuals and families. If you meet all of its criteria, you can get a free plan.
Even though the above are all excellent options for finding affordable coverage, they all have drawbacks, like having limited choices or having to meet certain criteria. So, the most useful tool at your disposal is an insurance agent, who can ensure that the plan you choose is indeed the cheapest and includes everything you need. EZ agents can compare every option available across all platforms, including those that are financed by the government.
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How to Get the Most Savings
Healthcare is relatively inexpensive in Utah compared with other states: it’s ranked 37th out of the 50 states in terms of per capita healthcare spending, with an average annual cost of healthcare of $7,241 per person. But even though you live in a relatively inexpensive state, there are still a lot of ways to cut your health insurance prices.
Health insurance companies take your physical health into account when determining your rate; they especially look at your body mass index (BMI). 29.20% of adults in Utah are obese, so if you fall into this category, your insurance may cost more. Maintaining a healthy weight could mean lower premiums.
Tobacco use is another red flag for insurance companies. In Utah, 8.2% of adults smoke – if you’re one of them, you’re probably going to pay a whole lot more for your insurance. In fact, smokers may have to pay up to 50% more than nonsmokers for health insurance. So, quitting can not only lower your overall healthcare costs, but also lower your premiums.
The easiest and quickest way to save, though, is to work with an EZ agent. You can actually save hundreds of dollars a year by working with an EZ agent, because they can compare all plans in your area that fit your budget, as well as find any local discounts you might be eligible for. Additionally, all of our services are free!
Utah Health Insurance FAQS
Does Utah require you to have health insurance?
Utah is not one of the states with its own insurance mandate, and there is no longer a federal mandate, either, so no, you are not required to have coverage in your state.
What is the cheapest health insurance in Utah?
The cheapest health plan will be a Bronze Plan, which can start as low as $320 a month. Remember, though, health insurance plan prices can vary depending on age, zip code, gender, and other factors.
How much does health insurance cost in Utah?
The average monthly health insurance premium in Utah is $440, or $5,280 per year, with plans as low as $320 a month to as high as $1,250. But do not let these numbers scare you. More than half of uninsured people in Utah qualify for a $0 Bronze plan and don’t even know it.
Which companies offer health insurance in Utah?
The top 5 insurers in the state are Cigna, Molina Healthcare of Utah, Regence Blue Cross Blue Shield of Utah, SelectHealth, and University of Utah Health Insurance Plans.
How to Enroll in Health Insurance in Utah
A health insurance plan can be purchased in several different ways. You can speak with your insurance company or speak to your employer about enrolling in their group plan. You can also make use of the federal Health Insurance Marketplace, where you can browse and compare the plans offered by participating providers. It’s important to note, though, that not all insurers take part in the exchange.
No matter how you choose to enroll, EZ is here to assist. We can compare all plans, including those offered outside of the exchange, to make sure you have access to all of your options. We will also evaluate each of these options to help you select the best one. Once your agent does all of that, they will guide you through the enrollment process step- by- step.
If you still have questions, feel free to give us a call at 877-670-3557. When you call, you will be directly connected to a local insurance agent who can answer all of your questions and help you find the health insurance plan that works best for you.