Health Insurance Help for Every Stage of Life — From Your First Independent Plan to Medicare
I'm an independent health insurance broker based in Farmington, serving families, self-employed adults, and retirees across Davis, Weber, and Salt Lake counties. Whether you've just lost employer coverage, you're shopping the ACA marketplace for the first time, or you're approaching 65 and Medicare feels like a foreign language — I can walk you through your options in plain terms before you commit to anything.
One Advisor Across Every Health Coverage Decision You'll Ever Face
Most independent insurance agencies stop at auto and home. I've built a health practice that covers the full arc — individual and family plans through the ACA marketplace, Medicare Advantage and Supplement plans, Part D prescription coverage, and standalone dental and vision. You don't need a different broker at every life transition. One conversation with me covers the full picture.
- Independent broker — not tied to any single carrier
- Licensed in Utah for Medicare, ACA marketplace, dental, and vision
- 25 years of insurance experience, including health coverage at every life stage
- I explain every option before you choose one — no pressure, no sales pitch
- The commission I earn is the same across plans, so my only job is finding your fit
Who I Work With — and What I Help Them Figure Out
Families and Individuals Who Lost Employer Coverage
Losing a job or aging off a parent's plan triggers a Special Enrollment Period, which gives you a limited window to get covered through the ACA marketplace. I'll walk you through what plans are available in Utah, what subsidies you may qualify for, and how to compare your options — in one conversation, not ten hours of research on healthcare.gov.
Self-Employed Adults Navigating the Marketplace on Their Own
When you're self-employed, no one hands you a benefits packet. You're responsible for finding your own coverage, estimating your income for subsidy eligibility, and making sure your doctors are in-network. I help self-employed clients in Davis County and across northern Utah sort through the Utah marketplace carriers — SelectHealth, Regence BCBS, Molina — and match a plan to their actual health needs and budget.
Adults Approaching 65 Who Need a Medicare Guide, Not a Call Center
Medicare enrollment has real deadlines, and the wrong decision at 65 can follow you for years. I specialize in guiding new enrollees through the difference between Medicare Advantage and Medigap Supplement plans, how Part D prescription coverage works, and how to cross-reference your specific doctors and medications before choosing anything. I've helped northern Utah families navigate this transition for years — and I answer the phone when you call.
Why Working with a Local Utah Broker Matters for Health Coverage
The healthcare.gov marketplace in Utah carries a narrower carrier roster than most states. If you're shopping without local knowledge, it's easy to choose a plan that looks affordable on paper but excludes your primary care doctor or doesn't cover your pharmacy. I know how SelectHealth, Regence BCBS, and Molina's local plan networks are structured, and I use that knowledge to steer you away from coverage gaps before enrollment — not after.
As an independent health insurance broker in Utah, I'm not captive to any single company. I compare plans across carriers and present the options that fit your situation. The carrier compensates me once you enroll, and that commission is consistent across plans — which means there's no financial reason for me to push you toward anything other than the right fit.
Health Coverage Options I Can Help You With
Medicare
Medicare Advantage, Medigap Supplement, and Part D prescription plans — matched to your doctors, your medications, and your budget before you enroll.
Individual & Family Health Insurance
ACA marketplace plans for individuals, families, and self-employed adults — including subsidy eligibility, Special Enrollment Periods, and carrier network comparisons.
Dental & Vision Insurance
Standalone dental and vision plans for individuals and families who need coverage outside of an employer group benefit.
FAQS
Common Questions About Health Insurance in Utah
How do I get individual health insurance in Utah without an employer?
You can enroll through the federal ACA marketplace at healthcare.gov during Open Enrollment, which runs each fall for January 1 coverage. If you've had a qualifying life event — job loss, divorce, birth of a child — you may qualify for a Special Enrollment Period outside that window. As an independent broker, I can walk you through both pathways, check your subsidy eligibility, and compare available Utah plans at no cost to you.
What's the difference between Medicare Advantage and a Medicare Supplement plan?
Medicare Advantage (Part C) replaces Original Medicare with a private plan that typically includes prescription drug coverage and has lower premiums but uses a network of providers. A Medicare Supplement (Medigap) plan works alongside Original Medicare and helps cover out-of-pocket costs like copays and deductibles, with broader provider access. The right choice depends on your health, your doctors, and how you use coverage — which is exactly what I help new enrollees sort through before they commit.
Is it worth using a broker, or should I just shop health insurance on my own?
Using a broker costs you nothing. Carriers compensate me directly, and the premium you pay is the same whether you enroll through me or directly through the carrier. What you gain is someone who knows the Utah market, can compare plans across multiple carriers, and will explain the tradeoffs honestly — including the ones the plan summary glosses over.
What health insurance carriers are available in Utah through the ACA marketplace?
Utah's marketplace has a more limited carrier selection than many states. The primary options are SelectHealth, Regence BlueCross BlueShield, and Molina Healthcare, each with different plan structures, network designs, and premium tiers. Knowing how those networks are built — and which one fits your doctors and prescriptions — is where local knowledge makes a real difference.
Can you help with both Medicare and individual health coverage?
Yes. I cover both, which is uncommon among independent agents in this market. If you're turning 65 and transitioning off an individual or marketplace plan, I can help you through that handoff without sending you somewhere else. One advisor, one conversation, across every stage.
Ready to Stop Guessing and Start Understanding Your Options?
Health insurance is complicated, but it doesn't have to be confusing. Call me directly at (801) 824-0074 — I answer during business hours, no automated menus — or send me a message and I'll get back to you the same day. I'll tell you exactly what your options are before you make any decisions.