Individual Health
Insurance
Health Insurance
Choose The Plan That’s Right For You
2025 Subsidy Guidelines for the 48 Contiguous States and the District of Columbia
Persons in Family/Household
(As filed on Taxes)
And if your yearly income is between:
Minimum Cost Sharing Reduction Maximum
1
$20,782
$37,650
$60,240
2
$28,207
$51,100
$81,760
3
$35,631
$64,550
$103,280
4
$43,000
$78,000
$124,800
5
$50,480
$91,450
$146,320
6
$57,904
$104,900
$167,840
7
$65,329
$118,350
$189,360
8
$72,753
$131,800
$210,880
*For families/ households with more than 8 people, add $5,140 (to the minimum) for each additional person.
Unsubsidized
Transition Plans (Short-Term [6 Months])
or if you know you don’t qualify for a subsidy
Not sure what’s right for you? Ask us!
At Berglund Insurance, we provide health care insurance of all shapes and sizes. With the rising cost of medical care, health insurance has become a top priority. In order to have your health expenses covered at a reasonable price, having the right insurance is necessary.
Some individuals and families qualify for a tax subsidy, known as an Advanced Premium Tax Credit and others do not. This calculation is based on your income vs. the Federal Poverty Guidelines as a percentage. See chart above.
We are also an approved Help on Demand Agent/ Broker that can assist you in determining if you are someone who qualifies. We walk you through the process from beginning to end.
Let us help you pick a personalized insurance plan that is best for you. We have HMOs, PPOs and even Fee-for-Service plans to meet your individual needs. Plans are broken down into Traditional Plans or High Deductible Plans with or without Health Savings Accounts and can even include Dental Insurance. Open Enrollment for January will begin on November 1st and continues through December 15. Open Enrollment period will officially end on January 15.
Special Enrollment Periods will take effect due to past loss of qualifying health coverage (up to 60 days in the past), future loss of qualifying health coverage (up to 60 days in the future), a change in primary place of living or a change in eligibility for Marketplace coverage or help paying for coverage. A change in household dependents (i.e. marriage, birth, adoption, foster care, etc.) will also qualify for S.E.P.
Healthcare plans can cover anything from medical and hospital expenses to prescription drugs. And while finding the right health insurance plan is not always an easy choice, representatives from Berglund Insurance are committed to providing the knowledge and support you need to help make the right decision, whether you are an individual or a large family, you can feel confident working with us.
At Berglund Insurance, we work with reputable companies such as SelectHealth, Regence BlueCross BlueShield of Utah/Idaho, University of Utah Health Plans, Cigna, EMI and more. We provide health care insurance services near Lehi, UT including Draper, Bluffdale, Saratoga Spring, American Fork, Highland, Alpine and all of Utah.