Utah Individual Health Insurance
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8 Tips for Buying Utah Individual Health Insurance
Buying individual health insurance in Utah doesn’t have to be difficult. Here's what you need to know to successful navigate the Utah individual health insurance market.
As large companies continue to cut jobs many entrepreneurs are striking out on their own. We applaud the entrepreneurial effort here in Utah, and we help this article empowers you with the tools you need to find the most appropriate Utah health insurance plan.
8 Keys to Choosing the Right Utah Individual Health Insurance Plan
1. If you’re in good health, you might want to choose higher deductibles and lower payments, or at least a plan in the middle range. Being healthy and utilizing a higher deductible plan will keep more money in your pocket.
2. Use a Utah health insurance broker, using a health insurance broker will cost you nothing! Utah health insurance brokers are paid a commission by the Utah health insurance companies, and you pay the same rate going through a broker as you would going straight to the health insurance carrier. So why not use a broker’s free advice to help you sort through the Utah health insurance jungle! Utah Health Insurance Providers is Utah’s #1 health insurance broker!
3. Compare each company’s co-payments (the cost of seeing a doctor) and coinsurance (the amount you have to pay after the insurance company has paid their part).
4. Compare deductibles (the amount you personally have to pay), as well as what counts toward the deductibles. Some plans don’t credit co-payments, which would increase your out-of-pocket costs.
5. Stay healthy by taking care of yourself through frequent exercise, and good eating habits. Without good health many of the plan options we’ve discussed won’t be available to you.
6. If you’re in poor health, choose a deductible level you can afford, even if though that means paying a higher monthly premium. Chances are you’ll have to pay the full amount, so you should set it aside in a savings account.
7. Compare out-of-pocket maximums, which cap how much you must spend (not including co-payments) before the insurance company will pay for everything. Obviously, the lower that number, the better.
8. Don't cancel any current health policies until you've been accepted into a new plan, the check has cleared, and you've reached the "effective date" (starting date) of your new policy.
Lastly don’t hesitate to pick up the phone or send us an email, we would be honored to help you with your Utah health insurance quest! Call 801-372-2647, or email: Bret@UtahInsuranceSolutions.com
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