Individual & Family Health
Health insurance for Utah individuals & families.
No employer coverage? Self-employed, between jobs, or retiring before 65? Blake helps you compare Marketplace plans and find out whether you qualify for tax credits that lower your monthly premium.
Who it is for
Coverage when you are not covered at work
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Self-employed & small business owners
Get individual or family coverage when you work for yourself.
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Between jobs
Keep your family covered while you transition to your next role.
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Retiring before 65
Bridge the gap between leaving your job and becoming eligible for Medicare.
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Families
Cover your spouse and children on one plan when employer coverage is not an option.
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Young adults
Coverage of your own when you age off a parent’s plan at 26.
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Anyone shopping for value
Compare plans side by side to make sure you are not overpaying.
What you get
Every Marketplace plan includes
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Essential health benefits
Doctor visits, hospital care, emergency services, prescriptions, maternity care, mental health care and preventive services.
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Coverage for pre-existing conditions
You cannot be denied coverage or charged more because of a health condition.
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Help paying for coverage
Premium tax credits based on your income and household size can lower your monthly cost. Some Silver plans also reduce your deductibles and copays.
Key dates
When you can enroll
Most people enroll during Open Enrollment. A qualifying life event can open a Special Enrollment Period.
November 1 – January 15
Open Enrollment
Enroll or change plans for the coming year. Enroll by December 15 for coverage that starts January 1.
60 days after a life event
Special Enrollment Period
Losing other coverage, getting married, having or adopting a baby, or moving can let you enroll outside Open Enrollment.
Any time
Year-round options
Some situations, such as qualifying for Medicaid or CHIP, allow you to apply at any time of year.
How it works
Simple, no-pressure help
1
Tell us about your household
Share who needs coverage, your estimated income and your doctors and prescriptions.
2
See what you qualify for
Blake checks your tax credit eligibility and compares plans from Utah’s top-rated carriers.
3
Enroll and get covered
Get help completing your application and understanding your new plan.
Common questions
Asked often, answered plainly
How do I know if I qualify for a tax credit?
Eligibility is based mainly on your household size and expected income for the year. Blake can give you an estimate in a few minutes.
Can I be turned down because of a pre-existing condition?
No. Marketplace plans cannot deny you coverage or charge you more because of a pre-existing condition.
What if I missed Open Enrollment?
You may still be able to enroll if you have had a qualifying life event in the last 60 days, such as losing other coverage, getting married, having a baby or moving.
What is the difference between Bronze, Silver and Gold plans?
The metal levels show how you and the plan split costs. Bronze plans have lower monthly premiums but higher costs when you get care. Gold plans have higher premiums but lower costs when you get care. Silver plans fall in between, and they are the only level that can include extra savings on deductibles and copays for people who qualify.
What counts as a qualifying life event?
Common examples include losing other health coverage, getting married, having or adopting a child, and moving to a new area. Most qualifying events give you 60 days to enroll.
What happens if my income changes during the year?
Report income changes to the Marketplace so your tax credit can be adjusted. Your tax credit is reconciled when you file your taxes, so if you received too much you may have to pay some back, and if you received too little you may get more back.
Can I buy a Marketplace plan if my employer offers insurance?
You can usually buy a Marketplace plan, but you typically will not qualify for a tax credit if your employer offers coverage that is considered affordable and meets minimum standards. Blake can help you compare both options.
Does it cost more to use an agent?
No. Plans cost the same whether you enroll on your own or with an agent, and there is no cost to talk with Blake.
Let us find you the right plan
Find out what you qualify for and compare your options. There is no cost to talk it through.
