Health Insurance Carriers in Utah (UT)
Utah provides for different regulation on health
insurance plans and providers. Check out the links we’ve
provided for your convenience below and learn about what is available
in your area. Next, look over the details of insurance law in
Utah.
Get more information on health insurance >>
Health Insurance Providers in Utah
American
Medical Security
Assurant Health (Formerly Fortis)
InterMountain (IHC) Health
Plans
Regence BlueCross BlueShield of Utah
Security Life
Group Health Insurance in Utah
- For those who are eligible, group health
insurance may not be denied, and providers may not charge more
because of health issues.
- Life changes related to family or unemployment may create
special opportunities for group coverage.
- Employer may require a waiting period before offering
coverage to new employees.
- A new HMO may require an affiliation period.
- In the case of a pre-existing condition, providers may
require an exclusion period of up to 12 months.
- Providers may review an applicant’s medical history
for the six months prior to receiving coverage to look for pre-existing
conditions.
- If continuous coverage is maintained without a break longer
than 63 days, creditable coverage may be applied to exclusion
periods.
Small Business Health Insurance in Utah
- Small businesses with up to 50 employees
may not be denied small group health insurance or be cancelled
because of sickness within the employee group.
- Insurance providers must offer standardized plans.
- For small group insurance, there are limits on the cost
of premiums.
- Small businesses with up to 50 employees may join a statewide
and approved purchasing alliance for group health insurance coverage.
- For regulations on associations which offer group coverage,
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
The self-employed may not purchase group
insurance.
Individual Health Insurance in Utah
- Those who are eligible for coverage through
an employer, an association, COBRA, Utah’s continuation
coverage, conversion coverage, Medicaid, Medicare, or HIPUtah
program must be offered coverage by providers.
- Providers may deny coverage to everyone else based on
health problems.
- Utah requires all individual insurance providers to offer
standardized policies which contain specific benefits.
- In the case of a pre-existing condition, individual providers
may attach an elimination rider or an exclusion period for up
to 12 months.
- Creditable coverage is allowed.
- Pregnancy may be considered a pre-existing condition.
- For HIPAA eligible individuals who cannot buy HIPUtah,
no exclusion period may be imposed.
- Premiums are based on the average of small group health
insurance.
- Limits may be placed due to health problems.
- For renewal, there are no limits based on age and health.
- Individual coverage may not be cancelled due to sickness.
- Regence Blue Cross Blue Shield administers Utah’s
Comprehensive Health Insurance Pool to anyone unable to purchase
individual health insurance.
Utah Health Care Programs
Medicaid, Children’s Health Insurance
Program, and Utah Cancer Control Program offer assistance to low
income individuals and families.
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