Utah Health Insurance for the Self-Employed
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Utah residents who are self employed have some options when deciding how to best insure their health. Here are the main options to consider:
These plans provide a great health insurance solution for the self-employed and their families.
There are many companies to choose from, as well as a large variety of plans offered by each company. The rates are often very affordable (more affordable than Utah group plans and COBRA).
The disadvantage of individual/family plans is that applicants can be denied based on their health history or current medical conditions. This can cause a bit of a mess if some family members are denied and others aren't.
In general, anyone who can get approved for an individual or family plan will likely find that this option is more affordable than any of the other options on this page.
The self-employed person can sponsor a group plan if they have at least 2 employees who are paid on a W-2. Also the 2 people must not be husband and wife, and must be full time and paid a full time wage, through the business. Currently there is one company that accepts a group with only one W-2 (the other employee can be paid on a 10-99). There is also one company that currently offers coverage to a husband an wife team.
The advantage of these plans is that everyone who applies will get approved, as long as the group is an eligible group. It's just a matter or what rate they will pay. Groups that apply in Utah cannot be denied due to their health history, or current health status.
Temporary health plans are a good solution, but should only be used to cover temporary gaps in coverage. If you know that you will have medical insurance offered to you in the next 12 months, this may be a good option for you or your family.
The good thing about temporary health insurance is that is is very affordable and counts as “continuous coverage”. The downside to these plans is that they don't cover pre-existing conditions and most don't cover anything at all until the deductible has been met.
This is the last resort for Utah residents that have been denied.through an individual or family health insurance company, or who are uninsurable due to a health condition or other medical history. Although the premiums are relatively high, if you meet the requirements for HIPUtah, you cannot be declined due to your health history or current conditions.
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