Individual Health Insurance in Utah (UT)
The Beehive State is where 2.5 million Americans live and work each day with more than 50,000 born into the population each year. Sadly, 17 percent of Utah has no health insurance whatsoever. The good news is that with the number of health insurance policies available in Utah to supplement incomplete plans and hold over the self-employed and temporarily unemployed.
Utah Health Facts
About 20 percent of Utah's mothers-to-be do not receive the prenatal care they need due to a lack of health insurance coverage. This results in more than 3300 babies born with a low birth weight, 6.7 percent of all newborns. Ten percent are born preterm. Twenty-three percent of kids under the age of 3 do not receive the immunizations they need, 8 percent are overweight and almost half didn't get to see both a doctor and a dentist last year. Even the most basic health insurance policy will cover these costs and more.
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Health Insurance Needs in Utah
All Utah residents would benefit from the regular maintenance provided by annual checkups and tests covered by a good health insurance plan. Chronic conditions are common in Utah: 6 percent of Utahans are diagnosed with diabetes, 13 percent have asthma, 54 percent are overweight or obese and 11.5 percent are smokers. All of these conditions, if not caught early and treated efficiently, can result in more serious, even fatal conditions including cancer, heart disease and stroke. Help prevent future medical problems with a comprehensive health insurance plan.
Utah Health Insurance Laws
Utah law allows insurance companies to deny coverage due to a health problem. The exception is individuals who are not eligible for individual insurance through their employment, membership in an association, COBRA, Utah’s continuation coverage, conversion coverage, Medicaid, Medicare, or HIPUtah program; they are guaranteed coverage through Regence Blue Cross Blue Shield (Utah’s Comprehensive Health Insurance Pool for those unable to buy individual health insurance). Standardized policies are regulated. Pre-existing conditions can be temporarily excluded with the imposition of a maximum exclusion period of 12 months, or permanently with the use of an elimination rider. Pregnancy qualifies as a pre-existing condition. Your policy can not be cancelled because you become sick.
Individual Health Insurance Companies in Utah
American Family Insurance
American Medical Security
Assurant Health
Fairmont Specialty Group
InterMountain (IHC) Health Plans
Regence BlueCross BlueShield of Utah
Security Life
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