Best Short-Term Health Insurance in Utah (2024)

Short-term health plans make it easy to have temporary health insurance in Utah; they often last less than a year but can be extended. Buying short-term health insurance is ideal when you have a lapse in coverage due to switching jobs or missing open enrollment.

However, these plans aren’t ACA-compliant, which means they won’t provide essential health benefits and may deny you if you have any pre-existing conditions.

MoneyGeek found National General Accident & Health and Independence American Insurance Company are the best options in Utah for short-term health insurance, scoring 95 and 85, respectively. However, the best provider for you might differ based on your needs.

Since short-term plans do not provide essential health benefits, replacing them with a marketplace plan is not wise. If cost is a significant issue, check if you qualify for subsidies to help you get a marketplace plan with better coverage for the same cost as a short-term plan.

MoneyGeek’s research shows National General Accident & Health offers the best short-term medical insurance in Utah, with a score of 95 out of 100. We also found that the following company can be an excellent option for short-term health plans:

• Runner-Up: Independence American Insurance Company: 85 out of 100

We chose these providers after considering their maximum out-of-pocket costs and cost-sharing options. For instance, National General Accident & Health’s average maximum out-of-pocket is $7,500, while the average MOOP of Independence American Insurance Company is $12,833.

MoneyGeek analyzed different companies and found National General Accident & Health is the most affordable option for short-term health insurance in Utah. Its average out-of-pocket maximum is $7,500.

While it may be tempting to choose the cheapest provider, know that low premiums usually mean high out-of-pocket costs. If you’re opting for the cheapest short-term health insurance, you must ensure you get sufficient coverage based on your needs.

A short-term plan will help you avoid a coverage gap between jobs. While you may want to opt for a plan with the lowest premiums, know that such plans have higher out-of-pocket maximums. However, if you don’t need much medical care, such a plan might work well.

MoneyGeek analyzed the premiums and cost-sharing options of different companies and found that the following offer the best plans if you’re between jobs:

• Independence American Insurance Company: $144 per month
• National General Accident & Health: $132 per month

While Independence American Insurance Company charges slightly higher premiums, it offers several plan options, making it our top choice for short-term health plans between jobs.

Know how short-term health insurance works in Utah before deciding whether it’s the right option for your needs. Short-term plans are usually best for a few months and do not provide essential health benefits.

Utah’s law permits you to buy short-term health insurance plans initially for a year and allows you to renew the plan up to three times.

MoneyGeek researched the following frequently asked questions to help you understand what short-term health insurance covers in Utah.