Licensed in Utah
Health, Life & Disability Insurance in Utah
Independent, fee-free help choosing health, life, and disability coverage across Utah. I work for you—not the insurance company.
Insurance in Utah
Utah has the youngest population and some of the largest households in the country, plus a booming Silicon Slopes tech scene full of startup founders, contractors, and remote workers. That combination means many Utahns are buying coverage for big families on their own, where maternity, pediatric, and family-deductible details matter far more than the headline premium.
Utah uses the federal HealthCare.gov Marketplace, and care is concentrated in two large integrated systems—Intermountain Health and University of Utah Health—so whether a plan includes the system your doctors belong to often decides the whole choice. Networks thin out quickly in rural southern and eastern Utah, which makes comparing carriers county by county essential.
For Utah families, I price the family out-of-pocket maximum, not just the individual deductible, because a household with several kids can hit it in a single year. Tech founders and 1099 contractors along the Wasatch Front often go without income protection, so we pair health coverage with term life sized to a larger family and disability insurance that replaces the paycheck no employer is backing.
- Population
- ~3.5 million residents
- Health marketplace
- Federal Marketplace (HealthCare.gov)
- Open Enrollment
- November 1 – January 15
- Short-term plans
- Available (not ACA-compliant)
- Licensed agent
- Liam is personally licensed in Utah.
- Major employers
- Intermountain Health, University of Utah Health, Delta Air Lines, Adobe, Qualtrics
Straight talk
Short-term plans are sold in Utah, but they can decline pre-existing conditions and skip essential benefits—worth considering only as a brief bridge.
What we help Utah residents with
Marketplace & ACA health plans
Subsidy checks, network matching, and plan comparisons so you keep your doctors.
Life insurance
Term and permanent coverage sized to what your family would actually need.
Disability & income protection
The coverage most people forget until they can’t work—sorted before you need it.
Self-employed & small business
Coverage built for 1099 income, freelancers, and owners with no HR department.
Why work with a broker licensed in Utah
Insurance is regulated state by state, and an agent can only legally advise and enroll you if they hold a license in the state where you live. That rule protects you—it means the person recommending a plan actually knows Utah’s carriers, networks, and marketplace rules rather than guessing from out of state.
Liam is personally licensed in Utah, so working with Transparent Benefit Solutions in Utah is fully compliant—and because I’m independent, I compare plans across every carrier available to you instead of pushing one company’s products. My help is free; the carriers pay the commission, and your premium is identical either way.
Licensed in FL, GA, TX, TN, OH, NY, VA, WI, UT, DC.
Utah insurance questions
No. As an independent broker I’m paid by the insurance carriers, not by you, so my help in Utah is free. Your premium is the same whether you enroll with me or on your own—you just get someone in your corner.
Utah uses the Federal Marketplace (HealthCare.gov) (HealthCare.gov). I help Utah residents enroll through it, confirm subsidy eligibility, and pick a plan whose network actually includes their providers.
Open Enrollment for Utah runs November 1 – January 15. Outside that window you can still enroll if you have a qualifying life event—losing job coverage, moving, marriage, or a new baby—and I can confirm whether you qualify for a Special Enrollment Period.
Absolutely—that’s a big part of who I work with in Utah. I’ll walk you through Marketplace subsidies based on your estimated net income, plus life and disability options that replace the employer benefits you don’t have.
You call me—not a 1-800 menu. As your broker in Utah I stay your point of contact after you enroll, so if a claim is denied, a bill looks wrong, or your plan changes at renewal, you have someone who already knows your situation and can help sort it out.
Let's find out what you're actually paying for.
A free 15-minute call, no obligation. Worst case, you learn your current plan is fine.