Health Insurance for Healthy Families that Don't Break the Bank

If you’re looking for health insurance in Utah but don't visit the doctor often, a bronze plan might be just what you need. These plans are designed to cover major unexpected medical emergencies while keeping your monthly costs low. Let's dive into why a bronze plan could be the perfect fit for your family.

Many people believe they need a health insurance plan with rich benefits and extensive coverage, thinking that more expensive options will provide better protection. However, for families who don't frequently visit the doctor, these rich plans often lead to higher premiums without much-added value. In reality, a bronze plan can be a smarter financial choice. With lower premiums, these plans allow you to save money each month, which can be put towards other family needs or set aside for emergencies. Over time, this approach can result in significant savings, especially if your family remains healthy and only needs occasional care. Bronze plans offer the essential coverage you need without the unnecessary expense, making them a practical choice for many Utah families.

Affordable and Predictable Costs

One of the biggest advantages of bronze plans is their affordability. Compared to silver or gold plans, bronze plans have lower monthly premiums, which means more savings for you. Some insurance carriers even offer bronze plans with $0 deductibles and fixed copays for most services. This setup allows you to know exactly what you’ll pay when you need healthcare, without worrying about meeting a high deductible. For families who don’t need frequent medical care, this predictability can be a huge benefit. Most cost for services on $0 deductible plans that you use like primary care visits and urgent care visits are under $100.

Ideal for Covering Emergencies

If your main concern is having coverage for major medical emergencies, a bronze plan is a solid choice. While these plans generally have higher deductibles, they are designed to kick in when you really need them—like in the case of an unexpected illness or injury. This way, you’re protected against substantial financial burdens without paying high premiums every month.

Health Savings Accounts (HSAs)

Some bronze plans are compatible with Health Savings Accounts (HSAs), which can be a great financial tool for healthy families. HSAs allow you to save money tax-free for future medical expenses, and unused funds roll over each year. This can be particularly useful if you don’t often reach your deductible, as it lets you save on taxes while building a fund for any future health needs. Most health families that only visit their doctor for preventative care and the occasional urgent care visit, this can be a great way to save for future major medical emergencies.

Great for Higher-Income Families

If your household income is on the higher side, you may still qualify for subsidies that make bronze plans incredibly affordable. Many families in Utah are surprised to find that their health insurance premiums are covered, or significantly reduced, thanks to these subsidies. At Utah Avenue Insurance, over half of our clients pay less than $50 per month for their health insurance, even for the entire family!

Perfect for Healthy Families

For families that don’t need frequent medical visits, a bronze plan offers low premiums while still covering essential preventive care at no extra cost. This means you can get your routine check-ups and vaccinations without worrying about additional out-of-pocket expenses.

Time to Enroll

Open enrollment is happening right now, which means it’s the ideal time to pick or change your health insurance plan for next year. Make sure to choose your plan by December 15th so that your coverage starts on January 1st. Our agents at Utah Avenue are ready to help you figure out if a bronze plan is the right fit for your family’s needs.

At Utah Avenue, we’re committed to helping you find the health insurance plan that makes the most sense for your situation. Reach out to us today to explore your options and secure the right coverage for your family this year.