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LowerUtahRates.com makes finding affordable health and medical insurance easy. Simply enter your zipcode in the form below and click the go button to get your free quotes. We make it simple to obtain multiple quotes from top Utah health insurance companies.

Health insurance is designed to protect you and your family from major out-of-pocket medical expenses that can build during an illness or hospital stay. Most Americans have felt the pain of their healthcare costs skyrocketing in the past few years. Many employers provide some level of medical insurance under a group policy for company employees. Unfortunately, due to economic pressures companies are cutting costs and passing more of the burden of health care coverage on to employees. If you are unemployed, self-employed or if your employer does not provide medical coverage you can usually purchase it independently through an insurance agent or broker. Health insurance helps pay for out-of-pocket expenses for diagnosis and treatment of covered medical conditions. It is important to choose a plan that best fits your budget, age, family needs and lifestyle.

There are generally two categories of medical insurance known commonly as indemnity or managed-care plans (HMO or PPO). The main differences between the two are evident in how you choose your provider, how out of pocket costs are handled and how your bills get paid. For example, under an indemnity policy you usually can choose any doctor or hospital when seeking services. Under a managed-care plan, you select a primary care physician who treats and directs all health care for you or you are given a list of preferred providers from which you can chose. Under indemnity plans, you often to pay upfront and are reimbursed after a deductible is applied. Under a managed care plan, providers agree to perform services for patients at pre-negotiated rates and usually the provider handles the claims processing for you.

Generally you should opt for your employer provided healthcare if available. It is usually the cheapest. The second best option, particularly if you have a pre-existing condition, is often an employer provided Consolidated Omnibus Budget Reconciliation Act (COBRA) plan. If you are not eligible for COBRA or your COBRA option has expired, your old coverage did not expire due to non-payment and you have had 18 months of continuous group health coverage under an employer group health plan, then you are generally considered “Federally Eligible” for a Health Insurance Portability and Accountability Act (HIPAA) plan. If you are not Federally Eligible than you can still get coverage, but insurers may impose a waiting period for coverage and coverage of pre-existing conditions.

Utah has several assistance programs that can help make health care more affordable if you meet eligibility requirements. Utah's Premium Partnership for Health Insurance ('UPP') program is one such program for working individuals and families who do not currently have health insurance. If eligible, it helps you pay your monthly health insurance premiums through your employer’s health insurance plan up to certain limits. The Primary Care Network ('PCN') health plan is for lower income individuals and families without insurance who do not qualify for Medicaid and have no access to student health insurance, Medicare or Veterans’ Benefits. If you meet these and other eligibility requirements, the PCN program covers services administered by a primary care provider. Unfortunately, the PCN program has limited funding and applications are only accepted during open enrollment periods which can make it difficult to get accepted into the program. Utah also have a Children's Health Insurance Program ('CHIP') for children under 19 of low income families that provides basic coverage for well-child exams, immunizations, doctor visits, hospital and emergency care, prescriptions, hearing and eye exams, mental health services and dental care. Check with the state to see if your child is eligible.

We service customers from Salt Lake City, West Valley City, Provo, West Jordan, Sandy, Orem, Ogden, UT in and other cities in The Beehive State helping them find low cost health insurance from top rated insurance companies. Be aware, Utah health insurance premiums vary amongst insurers and plans. To help lower your premiums, compare multiple quotes at least annually. We make the process easy.