Utah Health Insurance (UT)

Choose from the list below to learn more about specific health insurance providers in Utah. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.

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Health Insurance Providers in Utah (UT)

American Medical Security
Assurant Health (formerly Fortis)
Fairmont Specialty Group
InterMountain (IHC) Health Plans
Regence BlueCross BlueShield of Utah
Security Life

Individual Health Insurance in Utah (UT)

There are some regulations governing individual health insurance in Utah which are different from other states. If you are not eligible for individual insurance through your employment, membership in an association, COBRA, Utah’s continuation coverage, conversion coverage, Medicaid, Medicare, or HIPUtah program, insurers are required to provide individual insurance coverage. For all others, the individual insurers can deny coverage based on medical problems you may have. Utah also requires standardized policies which contain specific benefits from all individual insurers, as well as additional policies that they choose to offer. In the presence of a pre-existing condition, individual insurers may attach an elimination rider to your policy or an exclusion period with a maximum of 12 months. Creditable coverage is allowed for individual insurance. Pregnancy is considered a pre-existing condition in Utah. For HIPAA eligible individuals who cannot buy HIPUtah, you cannot be required to fulfill an exclusion period. The premiums for individual insurance are based on the average of small group health insurance, with limits placed because of health problems. For renewal, there are no limitations because of age and health. Your individual coverage cannot be cancelled if you get sick. Regence Blue Cross Blue Shield administers Utah’s Comprehensive Health Insurance Pool for those who are unable to buy individual health insurance.

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Group Health Insurance in Utah (UT)

For Utah residents who qualify, group health insurance cannot be refused, and the people cannot be charge more, because of a health problem. Certain life changes relating to family or job loss may entitle you to special opportunities for group coverage. A new employer is allowed a waiting period before offering group insurance; also, a new HMO is allowed to impose an affiliation period. In the presence of a pre-existing condition, group insurers can require an exclusion period of no more than 12 months. They are allowed to look back at your medical history for the prior six months before coverage to determine pre-existing conditions. If you had continuous coverage, without a lapse of more than 63 days, you are protected from exclusion periods with creditable coverage.

Small Business Health Insurance in Utah (UT)

For small businesses with two to 50 employees, they cannot be refused small group health insurance, nor can it be cancelled due to illness within the employee group. The state requires insurance companies offer standardized plans. For small group insurance, there are limits placed on the premiums. A small business with two to 50 employees can join a statewide and approved purchasing alliance for group health insurance coverage. For all regulations that cover associations with group coverage, it is recommended you contact the Utah Insurance Department.

Utah Insurance Department
3110 State Office Building
Salt Lake City, UT 84114
(801)538-3077
www.insurance.state.ut.us

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Self-Employed Health Insurance in Utah (UT)

The self-employed are not allowed to purchase group insurance.

Utah Programs (UT)

Some of the programs offering assistance to low income individuals and families in Utah are Medicaid, Children’s Health Insurance Program, and Utah Cancer Control Program.

Health Insurance in Nevada Cities (NV)

Learn more about health insurance (including medical facility details) in Salt Lake City.

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