Under the Affordable Care Act, the health insurance landscape in Utah has changed and includes a range of options for individuals and families without job-based healthcare benefits. Residents can buy health insurance plans on and away from the state’s federal exchange. Those who meet eligibility criteria can apply for public health plans including Medicaid and CHIP.
HealthCare.org also offers free quotes on Utah health insurance for Obamacare major medical insurance plans, short term health insurance, supplemental health insurance, dental insurance and Medicare supplement plans.
Utah and the Affordable Care Act
Utah defaulted to a federally facilitated health insurance exchange when Obamacare open enrollment began Oct. 1, 2013. Utah’s Health Insurance Marketplace includes health plans that are eligible for income-based premium tax credits and cost-sharing subsidies. Utahans that buy from the Health Insurance Marketplace can apply for this financial assistance, which lowers their monthly premium and out-of-pocket healthcare spending.
Those who do not qualify for exchange-based financial assistance can also look for ACA-compliant coverage in the private marketplace. Websites such as HealthCare.org, sell health insurance plans that may differ from those sold through the Health Insurance Marketplace. Shoppers may shop both on and away from the Health Insurance Marketplace to compare plan options and select the one that best suits their situation.
In Utah, the Small Business Health Options Program (SHOP) provides a way for employers with 50 or fewer full-time employees to offer healthcare benefits.
Medicaid expansion in Utah
Utah has not yet expanded Medicaid to single, low-income adults. Families that want to apply for Medicaid must meet certain eligibility criteria set by the state. More information is available through the Utah Department of Health at https://medicaid.utah.gov/.
Utah’s Children’s Health Insurance Program provides low-cost health insurance for eligible children. Information about CHIP is available at http://health.utah.gov/chip/.