Utah benefits from a special high-risk health insurance pool, so you can always feel secure knowing that if you have a pre-existing condition, and are denied private Utah health insurance coverage, then you may be able to get coverage through Utah's comprehensive health insurance high-risk pool, known as HIPUtah.
At the same time, you'll find that Utah's quality of care is high; Utah ranks high in nearly all of the consumer satisfaction measures. The state meets national averages, and in some cases is above national averages, for children's immunizations. However, Utah is well below the national average for adolescent immunizations. You'll find that Utah provides well through its state CHIPs (childrens' health insurance program); however, the benefit of its private health insurance programs should not be overlooked. In a customer satisfaction survey, carried forth by the Utah Department of Health, most customers of insurance carriers reported very positive results. In fact, all major carriers in the state exceeded their quality score when compared to the each carriers' national average.
Having a low-income household and/or pre-existing health conditions can make getting health insurance more difficult than ever. If your health condition doesn't allow you to receive disability benefits, there are some other options for you to choose. Low-income families are also open to some health plans available from state and federal programs.
You should check with Utah to see what types of health plans are available for the low-income households. Likely, you may be qualified for programs like Medicaid and Healthy Kids. It is necessary for you to reach certain requirements before you are determined eligible for government health plans -this includes income, number of dependents and some other qualifications.
When you are having a hard time with traditional health plans due to an illness, you can look into getting an HSA, Health Savings Account. This has tax benefits, allowing you to withdraw and deposit money that is tax-free. You can use the money in the account for any medical expenses -no restrictions. You are required to have a High Deductible Health Plan, or HDHP, to qualify for an HSA. HDHPs do offer lower premiums to compensate for the high deductibles. The account also acts as a 401K, so you are able to withdraw the money once you reach retirement age.
Another option for low-income families and those with pre-existing health conditions is available. You can consider getting a health insurance discount plan -this is a card that gives you access to reduced prices for medical visits and prescription drugs. There is a low monthly cost for it, which is determined by the amount of people on the plan.