Utah group health insurance requires at least two full-time taxable members. The group usually consists of the employees of a business but also may be the members of a professional trade association or labor union. The provider usually writes one master contract to cover the entire group.

Utah group health insurance companies also can save money for a small business in other ways. A group health plan distributes the financial risk, usually resulting in greater coverage and lower premiums. Utah group health insurance plans also offer tax advantages because the employer contributions are usually tax deductible.

There are three key points that affect the premiums of Utah group health plans:

1. A health provider generally must be a member of the plan's preferred provider organization before treatment costs come out of the pocket of group insurance. Utah providers should have enough PPO members in your area to handle your employee’s medical needs.

2. The amount that the employee pays before a Utah group insurance company will cover the costs of treatment. A higher deductible usually means a lower premium.

3. The maximum amount that group health insurance in Utah will pay. This is known as the benefit cap or coverage limit.

Action Steps
The best contacts and resources to help you get it done

Contact a UT group health insurance company that specializes in small business insurance

Your employees may be best served by a company with experience in providing health insurance for a small business, especially one that is based in Utah.

I recommend: Complete the form for a group health insurance quote with Sentry West, including the census section for your employees. You will need to complete an additional form for each 8 employees that you have.

Request a quote for UT group health insurance through an agency

An independent agency will frequently have expert knowledge on the insurance carriers that they work with and can provide a better plan than you would be able to negotiate on your own.

I recommend: Go to the Utah Insurance Group and begin the quote request process by entering your zip code. The major carriers represented by this site include Altius, Humana One and Regence.

Consider plans from major providers of group health insurance in Utah

Major carriers usually offer a wide selection of Utah group medical insurance and generally accept enrollments directly from applicants. Many business owners are able to select a carrier without consulting an insurance broker.

I recommend: Examine Regence BlueCross BlueShield of Utah group insurance. Utah plans by this company are specifically designed for employers.

Tips & Tactics

Helpful advice for making the most of this Guide

• •  Offer a consumer-driven group health insurance plan for employees who want more control over their health care. This type of Utah group medical insurance usually offsets a low-cost, high-deductible plan with Health Reimbursement Accounts and Health Savings Accounts. This allows the member to manage medical expenditures more closely than with a traditional health care plan.