What to update on your health insurance
Open enrollment is a critical period for individuals and families to review and make changes to their marketplace health insurance plans....
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The American Rescue Plan
You may qualify for lower health insurance premiums with the American Rescue Plan. A local agent at Utah Avenue Insurance can help you for free.
You may qualify for lower premiums because of the American Rescue Plan bill. If you have a Marketplace plan currently or want to see if you now qualify, a local agent is here to help you. The new bill includes a major expansion of the Affordable Care Act. This means that you could get lower premiums on your current plan and those that previously did not qualify for extra help may now qualify.
Local Utah agents make all the difference when choosing the right health insurance for your family. Our agents are able to show you health insurance options with every Utah health insurance company, compare medical costs and ensure that you can keep seeing the doctors you want. Take control of your health insurance and let us help you compare your options. Best part, is our help is always free to you.
More About the American Rescue Plan
Here are a few main points of the American Rescue Plan and what it means for your health insurance and taxes.
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Larger Subsidies: This is the amount of extra help you get paying for your health insurance. The amount of help you get is based on your household size, income and zip code. Those who qualify, will now be getting extra help on their health insurance premium. This means you may pay less for your current plan. This backdates to January 1, 2021. A local agent can see if you qualify for lower premiums. Call/text us 801-609-8699 or schedule an appointment.
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Expanded eligibility to those who currently don't qualify for subsidies because their income is too high. This means that if you will make too much this year to qualify for lower premiums on a Marketplace plan, you can now get extra help. This option to get extra help on your premium is a little trickier, but a local agent can help you understand your options and how to get lower premiums.
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Those receiving unemployment qualify for a $0 deductible plan with full amount of subsidies. People receiving unemployment compensation at any point in 2021 will qualify for a $0 deductible plan and get the full amount of subsidies for that plan. In Utah, these plans have a very small premium because they include extra benefits.
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Bill covers 100% of cost of Cobra for people that were involuntarily terminated. This is the first time that Cobra may be a great option. This will end on September 30, 2021. Your employer will need to help you enroll and get the Cobra Subsidies for these plans.
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NO credit repayment of APTC on your 2020 tax return. Those who underestimated their income in 2020, will NOT have to pay back any subsidies when you file your taxes. This is a one-time deal. If you have already filed your taxes, you may be able to file an addendum to get this money back. As soon as we know more, a local agent can direct you to a great CPA to help you keep your money.
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Medicaid for pregnant women will be extended for 12 months after birth. Generally, pregnancy Medicaid continues for 60 days after birth. It will now be extended a full 12 months after birth. This will stick around for 7 years.
It will take some time to get all these changes implemented, but a local agent at Utah Avenue Insurance is here to help. Our help and services are always free to you. So please call, text, drop by, schedule an appointment, or email us if you need anything. We are so happy to serve our community.
Two locations to serve you
Walk-in or call with any questions.
We're here to help.
Corporate Office:
332 South 100 West
Payson, UT 84651
801-609-8699
Springville Branch:
699 South Main St.
Springville, UT 84663
801-609-8699
In-home & phone service areas
across the Wasatch Front
With agents throughout Utah, we're never more than a phone call away. And unlike the doctor,
our agents gladly make house calls.
Our Local Utah Agents
Schedule an appointment with one of our local Utah health insurance agents today.
Updates on the American Rescue Plan
Read more about what we know so far about the American Rescue Plan. We will continue to update this page and add new info as it becomes available.
Why Choosing a Local Agent at Utah Avenue
Choosing a local agent has many benefits. Best one we know of, is our service to you is always free. That's right, whether you enroll in health insurance on your own or use our help, the cost of insurance is the same. You never need to pay for our service. We're here to help you.
Zero, zilch, nada, nothing, free
This is how much our services cost. Zero, zilch, nada, nothing, free. So whether you want to try and figure out health insurance by yourself or use us as a resource, your health insurance premiums are the same. The benefit you get is us and our expertise. We would love to help you.
Never Call the Marketplace
We've NEVER met anyone who likes to call up the Marketplace or any health insurance company. Let our local agents do that for you. Just call us, text us or email us what you need to be taken care of, and we'll wait on hold for you. Our local agents are happy to help you with all your health insurance needs and concerns.
Help you to find local doctors
Our local agents can help you find local doctors that are in-network with your health insurance plan. We love to help you save time by doing the research for you. This also saves you money by finding lower cost in-network options for you. Our local agents can help you find primary care doctors and specialists, compare prescription drug costs, and find out if a particular procedure is covered.
Submit Claims and Dispute Bills
Sometimes, you may get a medical bill that you weren't expecting. Our local agents can review those charges and help you dispute them if needed. We can also help you submit claims if you have any extra supplemental insurance that covers accidents, sickness or hospitalizations.
Every Health Insurance Option in Utah
Our local agents are able to show you every health insurance option in Utah. This means that you have more control over your medical costs and the doctors you can see. Our local agents are trained and educated directly by the health insurance companies in Utah to ensure that you get the best health insurance for your needs.
Making Updates
Moving, changing jobs, losing a credit card, having a baby or getting married means lots of time updating everyone of those changes. Let one of our local agents help you with that. Usually one phone call, text or email is all we need from you to make those changes on your health insurance plan. As always, that service is free to you.
Research Plan Changes Year to Year
Our local agents are trained and certified each year by the health insurance companies. This ensures that our agents are educated on big and small changes being made to your health insurance plan and recommend changing plans if it would benefit you better. Our agents are trained on over 50 health insurance plans each year because we want to make sure that you are getting the best benefits for your needs.
Monitor Your Accounts
Our office checks your health insurance plans each month to ensure that that payments are on time and that your plans are always up to date. We also check to make sure that all the documentation the health insurance company or Marketplace needs is submitted on time. Our office will also submit that documentation for you so you don't need to call or go online to the Marketplace ever.
We're FREE to use!
Our services are free to use. So whether you enroll in health insurance yourself or use our help, the cost of insurance is the same.
American Rescue Plan
FAQ
You have questions and the local agents at Utah Avenue Insurance are here to help. We will update this page as more clarification and updates become available.
Q.
When will the extra subsidies go into effect?
A.
These subsidies are retroactive to January 1st, 2021.
Q.
I currently have a Marketplace plan and receive unemployment. Do I qualify for extra subsidies on my Marketplace plan?
A.
Yes! People receiving unemployment compensation at any point in 2021 will qualify for subsidies as if there income is 133% above the federal poverty line. This means that you can get a very low cost silver plan with a $0 deductible.
Q.
What if my family didn't qualify for subsidies on the Marketplace? Should we apply for health insurance on the Marketplace now?
A.
Yes! Many people who did not qualify for subsidies on the Marketplace because their income was too high will now qualify for subsides - often very generous ones. One of our local agents can get your family options to see if you qualify now.
Q.
If I already get lower premiums on the Marketplace, will my plan get even lower with this new bill?
A.
Most likely, Yes! Many people who currently receive subsidies will qualify for bigger subsidies.
Q.
If I don't have a Marketplace plan, can I enroll in a health plan now?
A.
Yes! Most people qualify for subsidies and will get more extra help with this bill. If your income is too high for subsidies, you may still qualify for extra help with a Marketplace plan.
Q.
If I already have a Marketplace plan, do I need to enroll again?
A.
Most likely, yes. Healthcare.gov has not implemented the changes to the subsidies yet. As soon as we know, we will update that here. Otherwise you can get on our schedule and we can update your application as needed for you for free! Call/text us at 801-609-8699 or schedule with one of the links above.
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