Utah Health Insurance (UT)

Utah (UT)
Individual Health Insurance Regulations

Learn more about Utah Individual Health Insurance

The State of Utah provides that individual health insurance policies throughout the state may be medically underwritten. Medically underwriting a health insurance policy provides the insurer an opportunity to review the applicant’s medical history and make the following determinations: (1) Provide coverage under the terms of the individual health plan (2) Offer modified coverage, with limitations or exclusions of specified benefits or (3) decline coverage based upon the applicant’s health history. Benefits may be modified by the inclusion of an elimination rider which may temporarily or permanently exclude coverage of specific medical conditions. For individuals lacking prior creditable coverage, the health insurance carrier is provided a 6 month look back, 12 month exclusionary period, under which the policy may also be modified. Individual premium rates are determined by varying factors and may fluctuate by plus or minus 30 percent of the indexed rate.

Request Utah Individual Health Insurance Quotes from any of our multiple providers.

Utah (UT)
Small Group Health Insurance Regulations

For purposes of obtaining small group health insurance, the State of Utah defines a small group as a group of employees numbering from 2 to 50. Groups of this size are afforded health insurance coverage on a guarantee issue basis, which provides that no group, or individual employee, may be declined medical insurance coverage as a result of their health status. During the application process, however, health insurance carriers may require that each applicant provide a medical history for purposes of determining pre-existing medical conditions. Applicant’s lacking prior creditable coverage may then be subject to a 6 month look back, 12 month exclusionary period on specified medical conditions. The State of Utah provides that small group premium rates may be medically underwritten. Subject to the group’s overall health, premium rates may vary plus or minus 30 percent of the indexed rate.

Small business owners can request quotes for Utah group health insurance from any of our listed providers.

Utah COBRA and Continuation Coverage

Continuation benefits for groups of 20 or more employees are regulated by COBRA, the Consolidate Omnibus Budget Reconciliation Act of 1985, which provides an additional 18 months of continuation coverage under the terms of the previously engaged group health plan. For groups of less than 20 employees, the State of Utah has in place its own mini-COBRA regulations. Those regulations provide for an additional six months of coverage under the group health plan, providing that the beneficiary has had at least six months prior coverage under the group plan. The beneficiary must also elect to receive their continuation benefits within thirty days of the termination of the health plan benefits. Continuation of coverage will be at the sole expense of the beneficiary. A 2% administration fee will be added to the monthly premium.

Additional Utah Resources

• Utah Children’s Health Insurance Program (CHIP)
  A state run, federally funded children health care program offering medical coverage to qualifying participants.
• Utah Comprehensive Health Insurance Pool (HIPUTAH)
  HIPUTAH is a state run program offering comprehensive medical coverage to high risk individuals not able to obtain affordable health insurance benefits within the private sector.
• Utah Department of Health
  In addition to the abundance of health resources which can be found at this site, the Utah Department of Health offers many useful online services and a wealth of consumer information.
• Utah Medicaid Program
  Looking for a Medicaid provider? Need to know how and where to apply? Need assistance with medical expenses? All of this information and more can be found here at the Utah Medicaid Program website.
• Student Health Insurance Quotes for Utah
• Medicare Supplemental Insurance Quotes for Utah
• Utah Short Term Health Insurance Quotes
• Dental Insurance Quotes for Utah

UT Medical Insurance Statistics

Total Population: 2,524,000
With Health Insurance: 2,104,000 / 83.4%
Without Health Insurance: 420,000 / 16.6%
*According to 2005 CPS Reports / U.S. Census Bureau

Note: The percentage of Utah residents without health insurance has increased 2.5% since 2004. This is one of the greatest percentages of increase in uninsureds in the country.

Utah Insurance Department
Phone: 801-538-3805
Oversees and regulates the insurance industry statewide, offers consumer assistance and information as well as many useful provisions of insurance law.

* Please refer to our legal terms and conditions for disclaimers pertaining to the content on this page.