Building Better Benefits for Individuals and Families
Let us help you find the coverage that fits your needs for the price that works for you!
We Value Our Clients And Want To Make Your Experience As Smooth as Possible
About us
We are here to make health insurance simple and stress-free for you and your family. With over 15 years of experience, we know the ins and outs of the process, from helping you choose the right plan to making sure you get the tax credits you deserve. We understand how confusing and overwhelming health insurance can be, so we take the time to break it down into easy-to-understand steps, guiding you every step of the way. Our mission is to take the worry out of getting covered, so you can focus on what matters most—your health and peace of mind.
Services
Individual & Family Coverage
Individual and family health insurance plans provide essential coverage for doctor visits, hospital stays, and more. With options for both comprehensive and short-term plans, you can find coverage that fits your needs and budget.
Supplemental Coverage
Supplemental coverage plans, such as vision, dental, accident, and hospital indemnity, offer extra financial protection for routine and unexpected medical costs. These plans help fill gaps in standard health insurance to ensure you have added security when needed.
Why Use A Broker
Get expert help with your health insurance—at no extra cost. A broker simplifies the process, finds the best plan for your needs, and ensures you don’t miss out on savings or subsidies. Let us handle the details so you can focus on your health.
We Make It Simple
At THI Benefits, we make getting health insurance easy. We gather your info, find plans that fit your needs, and handle the enrollment process—all while being available for questions. We keep it simple with texts and emails but are here to help however you prefer.
Testimonials
Laurie K.
I would like to let you know that I have talked to a few insurance reps and none of them took the time that Jessica did. She did not intimidate, embarrasses or make me feel inadequate with my questions.
She took the time to explain and gave me examples so I could understand my options, and helped me make the correct choices.
John Doe
I've been with [Company Name] for over a decade, and they have consistently exceeded my expectations.
Jane Doe
I recently decided to bundle my homeowners and auto insurance and I couldn't be happier
FAQS
What is the Affordable Care Act, and how does it affect my health insurance options?
The Affordable Care Act (ACA), also known as "Obamacare," is a law designed to make health insurance more affordable and accessible for everyone. It provides protections like coverage for pre-existing conditions and requires plans to cover essential health services such as doctor visits, prescription drugs, and preventive care. The ACA also offers financial help, like tax credits and subsidies, to lower the cost of premiums for qualifying individuals and families. This means you have more options to choose from and can find a plan that fits your needs and budget.
How do I know if I qualify for subsidies or tax credits to help pay for my health insurance?
You may qualify for subsidies or tax credits to help pay for your health insurance if your income falls between 100% and 400% of the federal poverty level. Eligibility is based on your household size, income, and location. When you apply for coverage through the Health Insurance Marketplace, you'll be asked for income and household details, and the system will automatically determine if you qualify for financial assistance. These subsidies can lower your monthly premiums and, in some cases, reduce out-of-pocket costs.
What’s the difference between an HMO, PPO, and EPO plan, and which one is right for my family?
An HMO (Health Maintenance Organization), PPO (Preferred Provider Organization), and EPO (Exclusive Provider Organization) are all types of health insurance plans that differ in how they handle care.HMO plans require you to choose a primary care doctor and get referrals to see specialists. You must use in-network providers for your care, except in emergencies.PPO plans offer more flexibility, allowing you to see any doctor without a referral. You can see both in-network and out-of-network providers, though staying in-network costs less. EPO plans are a mix of both. You don’t need referrals to see specialists, but you must use in-network providers unless it's an emergency.The right plan for your family depends on your budget and healthcare needs. If you prefer lower costs and don’t mind using a network of doctors, an HMO might work best. If you want more flexibility to see specialists without a referral, a PPO or EPO could be a better fit.
What happens if I miss the Open Enrollment period? Can I still get health insurance?
If you miss the Open Enrollment period, you may still be able to get health insurance through a Special Enrollment Period (SEP) if you experience a qualifying life event. These events include things like losing other coverage, moving, getting married, having a baby, or a significant change in your income. If you qualify for an SEP, you’ll have a limited time window to enroll in a new plan. If you don’t qualify, you may be able to get short-term health insurance or wait until the next Open Enrollment period.
Located in Ogden, UT