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Get an instant quote for you and your family for Marketplace health insurance. Most families qualify for lower premiums and lower deductible plans. Enroll from the comfort of your home. If you have questions, one of our local Utah health insurance agent can answer your questions with no obligations.

Get an instant quote on Marketplace health insurance

Most families qualify for subsidies, or help paying for your monthly premium, with a Marketplace plan. You can get an instant quote for you and your family for Marketplace health insurance. You'll be able to see if you qualify for subsidies and how much you'll qualify for. You'll be able to enroll in a health insurance plan and if you have any questions, feel free to reach out to one of our local agents for help. Our help is always free.

When getting your instant quote for a Marketplace plan, be sure to include the right info. Subsidies are based on your household size, zip code and annual household income. Household size refers to your taxable household. So include every family member you include on your yearly tax return whether they need insurance or not. Your yearly income is your adjusted gross income or AGI. Some incomes are not included. If you have questions about your income, please reach out to us so we can research that for you.

Who to include & what income to estimate

Some tips on who to include in your household and what income to count for your Marketplace health insurance plan. Any questions, contact us today. Our help is always free with no obligation.

Subsidies refers to the amount of help you get each month for your Marketplace health insurance plan. The amount of subsidies you get are based off your household size, zip code and income. We'll go over the basics here, but if you have questions, please reach out. Our local agents at Utah Avenue Insurance have helped families with Marketplace plans since these plans started being offered. We are your local Utah experts for Marketplace plans. 

Household Size

Include everyone in your household who you also claim on your taxes. For some families, this may mean changing your household each year. Include family members whether they need insurance or not. 

  • Example 1: A single mom who has 2 kids that she claims on her taxes, but the children both have insurance through Medicaid or CHIP. She would have a household size of 3 people.

  • Eample 2: Parents with one 22 year old child that is in college. Claiming this child in your household depends on if the child has a job that pays more than $10k per year.  If the child does not work or makes less than $10k per year, then claiming this child as a dependent and inlcuding them in your household and health insurance plan would be the best and most affordable option for everyone. If the child works, it may be more affordable for the child to file their taxes on their own and get their own health insurance plan. 

  • Example 3: Husband and wife looking to retire. Wife is 63 years old and husband is 65 years old. This would be a household size of 2 people with only the wife on the health insurance plan. Husband most likely will qualify for Medicare. We can help you know your options for Medicare including Medicare Supplements, prescription drug plans and Medicare Advantage plans. 

Income or Adjusted Gross Income

As a general rule, your estimated income is your adjusted gross income, or AGI, for the current year we are in. This means that if you are a business owner, it is after your expences and depreciation. You'll also deduct any contributions to an HSA and IRA and any child support. 

  • Example 1: Single mom with 2 children that works a part time job and recieves child support. She would only count the income from her part time job. Child support does not count towards your income estimate. 

  • Example 2: Young couple both working part time jobs while going to college. They would count both of their incomes and deduct any contributions to HSA and IRAs.

  • Example 3: Family with 3 kids. 2 live at home, oldest child is in college. Child does not work and family owns their own business. They would estimate what they expect their AGI to be for the current year. Consider any big purchases that you will be making this year and consult a tax professional on your deductions. Most likely what you are taking home is much larger than your AGI is. 

We hope this helps you calculate your income closer to get an acurate health insurance quote. You want to be as close to your correct income as possible to avoid any subsidy repayment. Guessing too high means you may be paying too much for health insurance. Guessing too low may mean you pay some of those subsidies back at tax time. If you'd like to know what that repayment would be, contact one of our local agents today. 

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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.


After working a W-2'd job for years, I'm finally ready to start my own business. What are my options for health insurance?


Congrats on your new venture! One of our local agents can show you choices for health insurance on the marketplace and private health insurance. We'll take into consideration your health needs and budget when when helping you with your options. Contact us today!


How do I know if my family qualifies for subsidies on the Marketplace?


Subsidies are based off of family size, zip code and income. For example, a family of 4 that makes less than $100,000 would qualify for a subsidy. Our local agents can determine if you'll qualify over the phone or by text. Contact us today.


I've been laid off at work and they gave me the option for Cobra. It's so expensive, what are my options?


There are many more options for healthcare besides Cobra. We have great choices from Marketplace plans to private health insurance options. Let one of our local agents show you and your family what choices are available to you. We can help you make an informed decision.


What if I don't qualify for subsidies on the Marketplace. What are my options for health insurance?


Depending on your health needs, we can look at private health insurance options or full price Marketplace plans. Let one of our local agents assess your needs and find a plan or plans that will work for you and your family.