top of page

What Health Insurance Should I get: A Utah Perspective

Health insurance is not a one-size-fits-all solution; it's a tailored suit that should fit your family's needs like a glove. With so many options out there, it's easy to feel overwhelmed. But fear not, because as your local health insurance agent in Utah, we're here to guide you through the process and help you make the best choice for your family's health and financial well-being.

When considering health insurance in Utah, you have several avenues to explore: marketplace health insurance, often referred to as Obamacare, employer sponsored health plans and private health insurance. Each has its pros and cons, and understanding them is crucial in making an informed decision.

Cost for a doctor visit

One of the first factors to consider is the cost of going to the doctor. With copays and deductibles being key players in this equation, it's essential to understand the difference. Copays are fixed amounts you pay for a covered service, while deductibles are the amount you must pay out of pocket before your insurance kicks in. For families who frequent the doctor's office, a plan with lower copays might be more advantageous, while those who rarely visit might benefit from a higher deductible plan with lower premiums.

When opting for a high deductible plan, out-of-pocket expenses for a doctor's visit can typically range from $150 to $250, depending on whether it's a visit to a primary care physician or a specialist. If you anticipate minimal or no doctor visits throughout the year, this cost becomes a significant factor in your decision-making process. While the premiums for high deductible plans are lower, it's crucial to weigh these potential out-of-pocket costs against the savings in premiums.

An extra benefit for individuals and families who don't frequent the doctor's office often, perhaps only visiting 1-3 times per year, a Health Savings Account (HSA) qualified plan might be a viable option. An HSA offers tax benefits, allowing you to contribute pre-tax dollars to the account, reducing your taxable income. Furthermore, the funds in an HSA can be used for qualified medical expenses, including deductibles, copayments, and even certain over-the-counter medications. Additionally, any unused funds roll over year after year, providing a valuable opportunity to save for future healthcare expenses while enjoying tax advantages. Therefore, for those with infrequent medical needs, an HSA qualified plan presents an attractive option for both saving money and maximizing tax benefits.


Another critical aspect is the network of doctors. The best health insurance plan is one that includes your preferred physicians and specialists in its network. After all, continuity of care and trust in your healthcare provider are paramount. As your local agent, I'll ensure that the plan you choose includes the doctors you trust.

Prescription Costs

Prescriptions are another consideration that can impact your budget. Understanding the difference between generic and name-brand drugs can help you determine which plan is best for your family. Generic drugs are often cheaper alternatives to their brand-name counterparts, offering substantial savings over time. However, if you have specific medical needs that require name-brand medications, it's essential to factor this into your decision.

Insulin costs are a significant concern for many families, particularly those with members managing diabetes. Fortunately, most qualified health plans offer coverage for a range of insulin medications, typically with a copay capped at $35 for a 30-day supply. However, it's essential to review each plan's formulary to ensure that the specific insulin your family member requires is covered. Some insurers, such as Regence and SelectHealth, go above and beyond by providing coverage for insulin at an even lower cost, easing the financial burden for those relying on these life-saving medications. By selecting a plan with comprehensive insulin coverage, families can ensure access to the medications they need to manage diabetes effectively while keeping out-of-pocket expenses manageable.

Price Comparison

Understanding the difference in cost between marketplace plans, employer-sponsored plans, and private health plans is essential when selecting the right coverage for your family. Marketplace plans, often known as Obamacare plans, are designed to provide affordable coverage options for individuals and families who may not have access to 'affordable' employer-sponsored plans. These plans are available through state or federal marketplaces and are often subsidized based on income, making them an attractive option for many.

Employer-sponsored plans, on the other hand, are typically offered by companies to their employees as part of their benefits package. These plans may vary significantly in cost and coverage depending on the employer's contributions and the level of coverage chosen. While some employers cover a significant portion of the premium costs, others may require employees to pay a larger share. If you are unsure if your employer plan is 'affordable,' talk to a local agent at Utah Avenue. We can help you see if you qualify for a better or less expensive plan that what your employer is offering.

Private health plans offer another avenue for coverage and are available directly from insurance companies or through brokers. These plans may offer more flexibility in terms of coverage options and provider networks. These plans have been a great option for healthy individuals and families that are not offered an affordable option from their employer and do not qualify for subsidies on the Marketplace.

When comparing the cost of these different options, it's essential to consider factors such as premiums, deductibles, copayments, and out-of-pocket maximums. Ultimately, the right choice will depend on your family's specific needs and budget. Working with a local health insurance agent in Utah can help you navigate the options available to you and find the best coverage at the most affordable price. By carefully comparing the costs and benefits of marketplace, employer-sponsored, and private health plans, you can ensure that you're getting the coverage you need without breaking the bank.

Extra Benefits

While health insurance plans provide essential coverage for medical expenses, it's important to note that they often do not include benefits such as vision and dental care. While some plans may offer coverage for these benefits, particularly for children, adults typically need to purchase separate plans to access vision and dental services. These additional plans can be obtained through the marketplace, employer-sponsored options, or private insurers. Including vision and dental coverage is crucial for maintaining overall health and wellness, as regular check-ups and treatments can help prevent more serious issues down the line.

For families with active children participating in after-school activities, accident coverage is a must. Supplemental insurance plans, such as accidental insurance, can provide additional financial protection in the event of unexpected medical expenses. While opting for a higher deductible plan may save you money on premiums, having supplemental coverage ensures you're prepared for any unforeseen circumstances. These plans are usually a much more affordable option over choosing a plan with lower deductibles and copays.

Ultimately, the decision on which health insurance plan to choose boils down to balancing cost and coverage. While paying more for a lower deductible may offer peace of mind, it's not always the most financially prudent option. By working with a local health insurance agent in Utah, you can explore all available options and tailor a plan that meets your family's unique needs.

In conclusion, navigating the maze of health insurance may seem daunting, but with the right guidance, you can find the perfect fit for your family. Remember to consider factors such as copays, deductibles, doctor networks, prescriptions, and supplemental coverage to make an informed decision. As your trusted advisor, we're here to ensure you have the protection you need without breaking the bank. Let's embark on this journey together and secure a healthier future for you and your loved ones.


Featured Posts

Request a quote online from one of our Licensed Local Health Insurance Agents

we are here to help

Get a Quote

Thinking of Ideas
bottom of page