Utah Health Insurance Plans
for individuals and families
If you are an employer looking for group health insurance, click here.
There are several plan options for Utah individuals and families. The main companies that offer insurance to Utah residents are:
Learn more about each company by clicking on their name above.
The two main types of plans offered to Utah residents are:
Traditional Health Insurance Plans
These plans typically cover office visits and prescriptions before the deductible, and tend to have deductibles between $250 and $2,000 per person, per year. These plans are typically more expensive than high deductible plans because they offer coverage for everyday expenses and only require you to pay a small deductible before the benefits kick in.
Qualified High Deductible Health Plans
Qualified high deductible health plans are an affordable alternative to traditional health insurance plans. They typically have deductibles between $1,500 and $10,000 per year, and the benefits don't kick in until you have met your annual deductible. Some high deductible plans cover 100% of your expenses once your deductible has been met. Some also cover preventive office visits before you have to meet your deductible.
In addition to low premiums, high deductible plans that are qualified by the IRS allow you to open a health savings account and pay for your medical expenses with pre-tax money.
These plans are becoming much more popular, as insurance rates continue to climb, because they truly help lower the cost of health insurance and medical care.
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