Utah Health Insurance
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According to the Center for Disease Control, an average of 13.6% of Utah residents went uninsured for Utah health insurance each year from 2001 to 2003.
Free Health Insurance Quotes
To get free quotes on Utah health insurance, enter your zip code into the form below and click "Get My Quotes."
Utah Health Insurance Regulations
According to the Utah health insurance laws, any individual who has group or employer health insurance cannot be denied or limited access to coverage under that policy. Individuals looking for individual Utah health insurance coverage can be denied because of health, age, or any other factor. There are some exceptions to this if the individual is not eligible for any other state, group or individual coverage. All Utah health insurance policies are guaranteed renewable which means that any individual is guaranteed the right to renew an existing policy provided he or she has not committed fraud against the insurer and has paid all premiums on time.
Pre-Existing Conditions
Utah health insurance companies can attach elimination riders or pre-existing condition exclusion periods to policies. Elimination riders permanently exclude certain conditions or body parts from coverage for the duration of the policy. A health insurance company can look back six months prior to beginning coverage to see if a health condition was treated or diagnosed. If so, they can exclude the pre-existing condition from coverage for up to 12 months. This is a pre-existing exclusion period. All Utah health insurance companies must offer standardized plans.
Pregnancy
Pregnancy can be considered a pre-existing condition and can be excluded from coverage for a period of time under a pre-existing condition exclusion period. If the parent has an individual Utah health insurance policy that covers dependents, the newborn or adopted child is automatically covered under the parent’s policy for the first 30 days after birth or adoption. Under some circumstances disabled children can remain under the parent’s policy coverage past the age at which most dependents cease to be covered.
Temporary Insurance
For individuals who are between Utah health insurance policies or employer plans, there are some Utah health insurance companies that sell temporary individual health insurance.
Rates
Utah health insurance rates vary depending on health and age but there are limits to premium rates. Rates are based on group health plans instead of individual Utah health insurance.
Alternative Utah Health Insurance Options
For individuals who have difficulty obtaining Utah medical insurance or for those who are considered “uninsurable” by most Utah medical insurance companies, there are some state programs that may help:
- Utah Medicaid is available to qualifying individuals who meet eligibility criteria
- Utah Comprehensive Health Insurance Pool is the state’s high-risk pool that allows “uninsurable” individuals to buy into a state group health insurance plan. Pre-existing condition exclusion periods may apply.
- Utah Children’s Health Insurance Program (UTCHIP) is designed to provide health insurance to children up to 19 years of age whose families do not qualify for Medicaid and who may not be able to afford Utah medical insurance.
Information on Utah Health Insurance
Utah Insurance Department
UTAH INSURANCE DEPARTMENT
3110 STATE OFFICE BUILDING
SALT LAKE CITY UT 84114-6901
Main 801-538-3800
In-State Toll Free 800-439-3805
Consumer Service 801-538-3800
Consumer Health Assistance 866-350-6242
FAX 801-538-3829
TDD (Hearing disabled) 801-538-3826
www.insurance.utah.gov
Utah Health Insurance Organizations
According to the Utah Insurance Department, the following are the top 20 Individual Health Insurance sellers in the state:
- IHC Health Plans Inc. DBA HealthChoice
- Regence BCBS of UT
- American Family Life Asr Co Columbus
- United American Ins Co
- Altius Health Plans Inc
- Equitable Life & Cas Ins Co
- Mutual Of Omaha Ins Co
- Bankers Fidelity Life Ins Co
- Sterling Life Ins Co
- General Electric Capital Assur Co
- Bankers Life & Cas Co
- Northwestern Mut Life Ins Co
- Conseco Health Ins Co
- Colonial Life & Accident Ins Co
- Ace American Ins Co
- Standard Life & Accident Ins Co
- State Farm Mut Auto Ins Co
- Physicians Mut Ins Co
- American Heritage Life Ins Co
- Massachusetts Mut Life Ins Co
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