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Utah Small Business Health Insurance

"Industry" is Utah's motto, and for good reason. There is no shortage or entrepreneurs here; they occupy the entire length and breadth of the state and every segment of the economy from retail to health care to manufacturing. In 2002 there were 47,572 small firms in existence in the state of Utah. With this many companies, and the health-conscious nature of the state, it would be reasonable to expect a high level of health insurance coverage. However, only 33.9% of these small businesses offered health insurance to their employees.

Fortunately, state legislation has stepped in to help Utah business owners overcome this lack of insurance by introducing Health Savings Accounts for small businesses. In addition, insurance carriers are also hard at work, providing small employers decent health insurance options, in accordance with the state's insurance regulations.

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Featured Utah Small Business Health Insurance Providers

If you are looking for information on Individual or Family Plans in Utah, products are available from the following:

• American Medical Security Life Insurance Company
  
  
• Intermountain Health Care
  
  
• Regence BlueCross BlueShield of Utah
  

Utah’s Small Business Health Insurance Regulations

• Guaranteed issue and renewability is in effect; insurance carriers must offer employers of 2-50 workers the same health plans they offer other small businesses, and cannot cancel a plan due to the health status of a group member.
  
  
• Insurance carriers have to offer small business employees access to a standardized plan in addition to non-standardized plans. Employers can choose low, medium or high deductible plans.
  
  
• Carriers covering small businesses can vary group premiums due to health status, risk and demographics of those enrolled in the group, but only by a limited percentage.
  
  
• The self-employed worker cannot enroll in a group plan. Those who enroll in an individual policy can deduct up to 80% of the cost of their premiums on their federal return.

Request a free online quote for more information on Small Business solutions in Utah >>