Cost is often the main reason Sandy, UT, residents forgo health insurance. However, many may not realize the variety of options available to them. These options offer a range of coverage levels and price points, ensuring that there is a plan to meet your needs and budget.

Employer-Sponsored Health Insurance

Workplace health insurance is one of the most straightforward options, which is why over half of Americans rely on it. As an employee, you enroll in your employer’s health insurance plan and pay a portion of your wages toward the premium, while the company covers the rest. This type of insurance typically covers you and your family members until your employment ends.

Government-Funded Programs

Government programs provide coverage for specific groups based on income and other criteria:

• Medicaid: Covers low-income families, pregnant women, children, the elderly, and disabled individuals.
• Medicare: Provides coverage for older people and people with disabilities.
• Children’s Health Insurance Program (CHIP): Offers coverage for families who don’t qualify for Medicaid but cannot afford private insurance.

Affordable Care Act (ACA)

The Affordable Care Act offers a government-regulated marketplace where you can select plans from private carriers that meet government standards. Sandy, UT, residents can apply for health insurance through the Health Insurance Marketplace at healthcare.gov. Enrollment is available online, by phone, or via paper application, with the most options available during the open enrollment period, which runs from November to mid-January.

Explore Options with The Smith Insurance Group Inc.

At The Smith Insurance Group Inc., we partner with multiple insurance carriers to offer a variety of coverage options without limitations or stipulations. Our agents take the time to understand your health background and coverage needs to craft a personalized health insurance plan. This is an excellent choice for individuals who qualify for government programs as well as those who don’t.

Additional Health Insurance Options

Other health insurance options include:

• Short-term health insurance (also known as "skinny plans")
• Health sharing ministries
• TRICARE military insurance

No reason justifies going without health insurance coverage. Our agents are here to help you find a plan that suits your needs and budget. For more information on health insurance options, contact The Smith Insurance Group Inc. or visit our office in Sandy, UT.