Individual Health
Insurance
Choose the Health Plan That’s Right for You
Insurance shouldn’t feel complicated. At Berglund Insurance, we provide a wide range of health insurance options so you can feel secure knowing your needs are covered.
Whether you’re comparing health insurance plans for individuals or looking into family coverage, we’ll help you choose a plan that fits both your lifestyle and your budget.
Subsidized Health Insurance
Did you know you may qualify for a tax credit to lower your monthly premium? Some individuals and families are eligible for an Advanced Premium Tax Credit based on income compared to the Federal Poverty Guidelines.
As an approved Help on Demand Agent/Broker, we’ll guide you through the process and make sure you understand your options from beginning to end.
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 Health Insurance
Even if you don’t qualify for subsidies, you still have excellent options. We partner with leading insurance providers so you can access the best health insurance in Utah, balancing affordability with reliable coverage.
SelectHealth
Trusted for its wide provider network and strong reputation in Utah, SelectHealth offers plans that fit a variety of healthcare needs. Submit your application with this link.
University of Utah Health Plans
With a strong connection to one of the region’s premier healthcare systems, these plans provide direct access to high-quality care and specialty services. Submit your application through this link.
Best short-term medical insurance for international travel
Traveling abroad? Your standard health insurance may not fully protect you outside the U.S. That’s why we offer short-term international health plans.
| Single Trip
Coverage for one trip abroad, up to six months. |
Missionary Coverage
Plans for missionaries and volunteers overseas. |
General Products
Multi-trip, student, and retiree travel plans. |
Understanding Your Coverage Options
Traditional vs. High Deductible Plans
- Traditional Plans: Lower out-of-pocket costs at the time of care but higher monthly premiums.
- High Deductible Plans: Lower premiums but higher upfront costs when care is needed. These plans often pair well with Health Savings Accounts (HSA).
HMO, PPO, and Fee-for-Service Plans
- HMO (Health Maintenance Organization): Cost-effective with a primary care physician managing your care.
- PPO (Preferred Provider Organization): Greater flexibility to see providers in and out of network.
- Fee-for-Service: Pay for services as you receive them, offering maximum flexibility but typically higher costs.
Health Savings Accounts & Dental Insurance
Looking for extra value? Pair your plan with a Health Savings Account (HSA) to set aside tax-free funds for medical expenses or dental insurance add-ons for a complete package.
Enrollment Periods
Open Enrollment – Key DatesHere are the essential dates for this year’s open enrollment period:
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Special Enrollment Periods – Qualifying EventsYou may qualify for a Special Enrollment Period if you experience:
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How We Help You
Personalized Insurance Guidance
Choosing a plan doesn’t have to feel overwhelming. We simplify the process and walk you through every step so you feel confident in your decision.
Assistance for Subsidy Qualification
We’ll do the calculations for you through the subsidy qualification process to ensure you’re getting the best possible rates.
Support for Individuals and Families
From applying for subsidies to selecting health insurance for individuals, our team is here to provide clear explanations, trusted guidance, and real support.
Service Areas
Health Insurance Services Near Lehi, UT
Based in Lehi, Utah, Berglund Insurance has proudly been providing health insurance in Utah for individuals and families who want trusted guidance.
Nearby Cities
We also serve clients in additional areas, such as:
Draper | Bluffdale |Saratoga Springs | American Fork | Highland | Alpine | More
We make sure all our services are accessible to a wider community by extending our expertise throughout surrounding cities. No matter where you are located, we’ll help you find coverage that fits your lifestyle and goals.