Utah Health Insurance


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Utah Health Insurance

Utah has fewer health insurance regulations than most states. Still, it's important to familiarize yourself with them, so you're more confident and wise in your purchase.

This guide:

  • Describes important Utah health insurance policy regulations.

  • Lists rules Utah health insurance companies must follow.

Health insurance policies are regulated by each state's own health insurance laws. Utah health insurance companies and policyholders alike must abide by established insurance laws.

Get a free health insurance quote

You can pick what coverage you want and set your limits and deductibles, before applying for more personalized rate info. This is a service that will provide you with competing quotes from local agents who can also offer help with setting coverage limits, deciding on a plan, etc.

Utah health insurance policy provisions

Some of the most important Utah health insurance laws are the ones that influence the health insurance policy specifically.

For instance a basic policy provision states that your health insurance policy is guaranteed renewable as long as you have not provided any false information on your application and have paid your premiums on time.

Medical conditions that you have been diagnosed with 6 months before the effective date of your health insurance policy are considered ?pre-existing conditions?. In Utah, insurance companies can exclude pre-existing conditions from coverage, but not for more than 12 months.

If you are switching health insurance and have had continuous coverage, your policy's exclusion period credits your new policy's required exclusion period.

In Utah, however, insurance companies, can get by these laws by attaching to the policy an elimination rider refusing coverage for a pre-existing condition permanently.

Newborns and adopted children are automatically included under a parent's individual insurance policy for 31 days as long as the policy already provides coverage for dependents. Handicapped dependents can still be covered under a parent's individual health plan, even if they are over the age limit for coverage.

Regulating Utah health insurance companies

Utah health insurance companies are either licensed in the state of Utah or not. If they are licensed, you know, as a consumer that the company has passed the Utah health insurance regulations.

Although being licensed is a good quality indicator of Utah health insurance companies, you should still be aware of the few basic Utah health insurance company regulations. For one, Utah health insurance companies must make three standardized plans with varying levels of deductibles available to you if they offer you insurance.

However, any Utah health insurance company is free to refuse you coverage when you first apply. When making this decision and when determing how much your policy will cost, Utah helath insurance companies can base their decisions on your health status.

Furthermore, your health insurance premiums can significantly increase because of age or declining health. But, there are limits to what you can be charged due to health status, age, and other factors.

Finally, although your health insurance policy can be canceled for certain reasons, Utah health insurance laws prohibit health insurance companies from terminating your policy on the grounds of illness.

Temporary Utah helath insurance

If you are seeking temporary Washington health insurance, conversion policies are a good choice.

You are entitled to receive coverage under these plans if you are leaving a fully insured group health insurance policy. There are limits to how much your premiums will be due to health status and other factors but they will most likely be more than the premiums of your former Utah health insurance policy.

Your former Utah health insurance company is required to offer you the three standardized policies with varying degrees of coverage.

Under these plans, no new pre-existing condition exclusion period can be imposed.

If you are not eligible for a conversion plan, but need some temporary coverage, some Utah health insurance companies offer short-term health insurance policies.

More UT health insurance help

If you want more help getting the a good health insurance policy, read our guide to health insurance.

Also see the guide to Utah small business health insurance.

To find out more about UT health insurance laws and regulations, visit the official website of the Utah Insurance Department.