Health Insurance Guide

Self-employed and earning too much for ACA subsidies? A health sharing plan like Planstin’s Ultrio membership could save your family 30–50% on healthcare costs. Here’s an honest look at how it works and whether it’s right for you.

If you buy your own health insurance, you’ve probably felt overwhelmed. This guide breaks down the three main paths — Marketplace health insurance, private health insurance, and health sharing memberships — so you can choose the right coverage with confidence and without overpaying.

The health insurance landscape continues to shift in 2026—and recent marketplace news highlights two important trends that could directly impact individuals and families shopping for coverage. From missed premium payments to major insurers exiting certain markets, these developments reinforce one key truth: having the right guidance when choosing a health plan matters more than ever.

Why Health Insurance Feels So Complicated When You’re Self-Employed If you’re self-employed in Utah, you’ve probably asked yourself: “Why is my health insurance so expensive… and are these really my only options?” You’re not alone. When you don’t have an employer helping you: Most people end up on one website, pick a plan, and hope

If you’re self-employed or running a small business, finding the right health insurance plan can feel overwhelming. You’ve probably asked yourself: You’re not alone. Most individuals and families who try to figure this out on their own end up either overpaying or settling for a plan that doesn’t actually fit their needs. The good news?

Have you ever looked at your health insurance bill and thought, “Is this really what I’m supposed to be paying?” You’re not alone. Every week, I talk to people—especially self-employed families and small business owners—who are doing their best to pick a plan, but still aren’t sure if they’ve chosen the right one. And more

Introduction Have you ever wondered, “How do I know if my health insurance is good?” or “What do all of these confusing health insurance terms mean?” Understanding health insurance can be daunting, but it’s crucial for making informed decisions about your healthcare. As a seasoned health insurance agent with over three years of experience, I’m

Living in the picturesque landscapes of Utah is a dream for many, with its stunning national parks, vibrant culture, and thriving communities. However, amidst the beauty, one thing that should never be overlooked is the importance of having health insurance. Utah, like anywhere else, is not immune to the unexpected twists and turns that life