Please contact us directly for information on health insurance for small to medium sized businesses.

For INDIVIDUAL HEALTH INSURANCE please visit the new government health care website: www.healthcare.gov
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4 Easy Steps to Life Insurance:
Fastest Policy YTD- 3 days
1. Choose insurance company and coverage.
2. Complete over-the-phone application.
3. Get paramedic exam (sometimes not necessary)
4. Receive an offer or notice of decline from the insurance company.

The Utah Insurance Group was started in the 90's under the name of Bessinger & Associates Inc. In 2006 we changed our name to the Utah Insurance Group. We provide health insurance and other benefits to small to medium sized companies throughout the state of Utah.

We love HSAs and so will you. There are two pasts to an HSA: the HSA qualified high deductible health plan and the health savings account (the hsa). You can have the health plan without the HSA, but no HSA with having a qualified health plan. The savings come from two areas. First, your monthly insurance premiums will be much less due to having a higher deductible health plan. Second, you can pay your health related expenses through your HSA tax free.

Examples: The Jack and Jill family pay $775 monthly for a 500 deductible 80/20 coinsurance copay plan. They can change to a HSA qualified plan with a 10,000 deductible for $240 a month. That's a premium savings of $6,420 a year. If the Jack and Jill family has less than $6,420 in medical expenses over the course of the year, they win by being on a HSA. If their expenses are over that amount, they lose. However, when was the last time that your family has paid that much for healthcare in a single year? If the answer is "never even close to that much!", then you should do an HSA. The win/loss break even point is even higher than the $6,420 when you take into account the deductible and coinsurance of the copay plan.

Paying your medical expenses through your HSA shelters your money from tax so you have more to spend. This is a dumb example but it gets the point across. Let's say you have $5,000 you earned and would like to use it for medical expenses. If you put that money into an HSA, all $5,000 can be put towards medical expenses. If you don't have an HSA, the $5,000 will be taxed. So $5,000 taxed at a rate of 25% leaves you with $3,750 to use for medical expenses. Thus, the same amount of money earned has 33% more buying power when used through the HSA.

www.healthcare.gov

Before January 1, 2014, there where many government resources for health insurance like HIPUtah, CHIP, PCN, Medicaid, UPP and Utah Clicks to name a few. However, now everything has basically been simplified by Obamacare. Please visit the link above and complete an application for insurance. The site will then direct you to the most appropriate department or program for your situation.