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.

When it comes to health insurance, many people’s first thought is the Health Insurance Marketplace, particularly during open enrollment periods. However, the Marketplace isn’t the only option. Private health insurance plans offer unique benefits that might better fit your needs. At The Smith Insurance Group Inc. in Sandy, UT, we understand that finding the right health coverage can be daunting, and we’re here to help you explore all your options.

More Flexibility with Plan Choices

One significant advantage of purchasing private health insurance outside of the Marketplace is the variety of plans available. Marketplace plans are standardized, which can be limiting if you’re looking for something tailored to your specific needs. Private insurers often offer more flexibility in terms of coverage options, networks, and premiums, allowing you to find a plan that truly suits your lifestyle and budget.

No Restrictions on Enrollment Deadlines

While the Marketplace has strict open enrollment deadlines, private health insurance can be purchased at any time of the year. This is particularly beneficial if you miss the enrollment period or experience a life event that doesn’t qualify for a special enrollment period. With private insurance, you don’t have to wait for months to get the coverage you need.

Customized Coverage and Specialized Plans

Private health insurance allows for more customization. Whether you’re self-employed, need coverage for specific medical services, or are looking for broader provider networks, private plans often offer more specialized options.

If you’re exploring health insurance options, The Smith Insurance Group Inc. in Sandy, UT, is here to guide you. Contact us today to learn more about private health insurance and how it can provide the coverage you need without the constraints of the Marketplace.