Before you apply for HIPUtah, consider applying for Assurant Health. Assurant has helped many Utah residents obtain coverage, after local insurers such as Blue Cross, SelectHealth, and Altius have denied them.
Assurant offers lenient underwriting, high deductible health plans, condition specific deductibles, and exclusion riders to help get you covered. They also offer an optional 36-month rate guarantee, so your premium is locked in for three full years and a decreasing deductible, so if you don't meet your deductible for a full six months, your deductible decreases by 10% every six months until it is nearly cut in half.
It is suggested that if you have been denied because of a health condition or prescription costs, that you apply for the "OneDeductible" plan with the highest deductible you are willing to accept. This will give you the best chance of receiving an offer.
