Utah Comprehensive Health Insurance Pool (HIPUtah)

→ Click here to view HIPUtah rates

Guaranteed Health Insurance Plan

As a HIPAA eligible enrollee you are guaranteed the right to buy an individual health insurance policy from the Utah Comprehensive Health Insurance Pool (HIPUtah). Note:

• HIPUtah prohibits pre-existing condition exclusion periods and elimination riders
• HIPUtah is your only guaranteed source of individual health insurance

HIPAA Eligibility

To be HIPAA eligible in Utah, you must:

1. Have 18 months of continuous creditable coverage, with at least the last day under the Brethren Ministers Group; and
2. Not be eligible for Medicare, Medicaid or a group plan; and
3. Apply for health insurance for which you are HIPAA eligible within 63 days of losing your prior coverage; and
4. Not have health insurance.

Note: If you know your group coverage is about to end, you can apply for coverage for which you will be HIPAA eligible.

How much does HIPUtah coverage cost?

HIPUtah rates vary based on the plan option chosen, the deductible, and the age of applicant. Utah law caps premiums at 200% of what a healthy person would pay for a similar plan sold by a private insurer. Click here to view HIPUtah rates.

HIPUtah Coverage Highlights

• $1 million lifetime benefit ($300,000 maximum annually)
• 4 different plan options:
  • HMO with annual deductible of $500
  • HMO with annual deductible of $1000
  • HMO with annual deductible of $2500
  • A High Deductible Plan with a $5000 annual deductible and $8,500 out of pocket maximum

How can I be insured with HIPUtah?

For enrollment information, visit the Utah Comprehensive Health Association online at selecthealth.org, or call (800) 538-5038.

Special insurance for children: Utah CHIP

A family of four making up to $41,300 a year may be eligible for Utah CHIP.

• Do you qualify? Visit Eligibility
• To see detailed information view the Utah CHIP Handbook
• Download the Application
• Questions? View their FAQs, or call (888) 483-0760 or (800) 765-7347