Stats in Your State
When brushing up on any subject, it’s useful to have good perspective. That’s why we’ve compiled graphs and data to illustrate the various factors influencing the health insurance industry and your premiums in Utah.
From 2009 to 2010, enrollment in government-administered health care among Utah residents increased from about 280,000 to nearly 300,000 for both CHIP and Medicaid programs. Roughly one fifth of those beneficiaries were children of low-income families enrolled in CHIP, with the remainder using Medicaid.
Individual Health Insurance Premiums
At $956 a year for health insurance, Utah workers paid roughly $140 less than the average American worker for health insurance in 2011. Utah’s significant tourism industry contributes to slightly higher-risk jobs than in Idaho, Montana, and Wyoming, but places Utah well behind Colorado (and its booming ski and tourism industries) in terms of insurance costs for individual workers.
Family Health Insurance Premiums
Along with its low insurance rates for individual workers, families in Utah are significantly cheaper to insure than the average U.S. family, and the same goes for Utah families comparison with families in neighboring mountain states.
SAHIE Health Insurance Uninsured
According to the U.S. Census Bureau, approximately 400,000 Utah residents were without health care on a yearly basis between 2005 and 2010. Despite affordable options available to some through government programs, not all residents qualify. So the demand for better health care options is still high for many state residents.
Rules in Your State
The Utah legislature has set forth specific unfair claims practices among its insurance regulations; these prohibited practices can be found at the first link below. The second link features other insurance rules, and contact information for assistance understanding the various statutes.
Utah Rules: Alcohol & Your Health Insurance
As Utah is predominantly a dry state in terms alcohol sales, its laws are not particularly accommodating for those who do suffer from addiction. While insurers must offer treatment for alcohol-related disorders, such treatment may be subject to costly co-pays and premiums, and state law does not address whether insurers may deny benefits for injuries sustained while intoxicated, either.
Representatives & Resources in Your State
Below readers will find a number of government agencies at the ready to help consumers with insurance needs, from handling difficult claims to finding affordable health care options.
Utah Insurance Department
3110 State Office Building
Salt Lake City, UT 84114
Health Insurance Information
The Insurance Department has written a useful guide to educate consumers from A to Z on health insurance in Utah. Click on the above link to get started and learn more the different care options and coverage available to you.
Health Care Reform
The sweeping changes to America’s health care industry are slated for 2014 and 2015, and most policies will be affected. The link above directs you to the Insurance Department’s overview of changes consumers can expect to see to health care in Utah.
Utah Department of Human Services
195 North 1950 West
Salt Lake City, Utah 84116
The Department of Human Services provides care and support for people who cannot otherwise take care of themselves, whether they are disabled, seniors, children, or other persons in need of help.
Utah Children’s Health Insurance Program (CHIP)
CHIP, PO Box 144108
Salt Lake City, UT 84114-4108
Utah’s CHIP plan provides health care coverage to children of low-income families across the state, covering roughly 60,000 children statewide.