Health Insurance Simplified

At Millcreek Insurance Advisors, we make health insurance simple. If your employer doesn't offer coverage, we help you understand your options and find a plan that fits your needs and your budget. From ACA marketplace plans to private health insurance, our local team compares top options we show you the three top options side by side for easy comparison and walks you through everything—so you can feel confident, not confused. Millcreek Insurance Advisors in Salt Lake City, UT, can be reached at 801-201-9975.

Why Choose Us

NO EXTRA COST, FULLY LICENSED CARING ADVISORS

Get personal help from your Salt Lake City-based agent—no call centers, just one consistent point of contact.

WE REPRESENT HUNDREDS OF PLANS

We shop the market for you, then narrow it to the three best health plan options.

CLEAR SIDE-BY-SIDE COMPARISONS

Our plain-language tools help you understand deductibles, co pays, co insurance, premiums, and out-of-pocket costs.

PLAN ANALYSIS

We use advanced software to project your estimated total annual medical expenses—so you see which plan provides the best value.

ALTERNATIVE PLANS

Most people qualify for savings through ACA marketplace plans. We also offer non ACA alternatives (with health underwriting) that typically cost 30–50% less and aren’t bound by open enrollment.

What Our Insurance Agent Offers

✅ ACA Marketplace Plans

  • 9 out of 10 customers qualify for lower premiums or cost-sharing reductions.
  • Preventive care and wellness benefits with no extra out-of-pocket cost.

✅ Non-ACA Plans

  • Health underwritten options.
  • No open enrollment restrictions.
  • 30–50% lower premiums than full-price ACA plans.

How It Works

  1. Get a Quick Quote
  2. Call us. A quick 15 minute call to discuss your needs or call us. We'll get started checking available options.
  3. Review & Compare
  4. Your advisor identifies the best three plans and summarizes them in a simple side by side comparison—covering costs, benefits, networks, and extras.
  5. Apply With Help
  6. We take care of the application process for you.
  7. Stay Supported
  8. We'll check in through the year, to assist with claims, handle renewals, and answer any benefit questions—long after you’ve enrolled.

Know Your Terms

We break down:

  • DEDUCTIBLE: WHAT YOU PAY BEFORE COVERAGE BEGINS.
  • CO PAY: A FIXED FEE FOR VISITS/SERVICES.
  • CO INSURANCE: PERCENTAGE SHARE OF COSTS AFTER YOUR DEDUCTIBLE.

Hear From Our Clients

FAQ's

  • 1. What are the different types of health insurance plans (and which is right for me)?

    There are HMOs, PPOs, EPOs, POS plans, and High Deductible Health Plans (HDHPs). There are plans on and off the Marketplace. I can help you understand and find different options to meet your needs.

  • 2. How much does health insurance cost?

    Many people qualify for tax credit based on their income. I can show what you qualify for.

  • 3. Are my doctors/hospitals/prescriptions covered by this plan?

    I have the tools to make sure your doctors/hospital/prescriptions are covered by the plan you choose.

  • 4. What is Open Enrollment and when can I enroll in a health insurance plan?

    Open Enrollment is the period November 1 to December 15 for a start date of January 1 or January 15 for a February 1 start date. I will take care of the enrollment for you.

  • 5. What is a "qualifying life event" and how does it allow me to get health insurance outside Open Enrollment?

    Loss of Coverage, household changes, change in residence, change in income, and leaving incarceration are some of the qualifying life events.

  • 6. What does health insurance actually cover?

    That depends on the plan. A marketplace qualified plans has Essential Health Benefits that are federally mandated for services like preventive care, emergency care, mental health, prescription drugs, maternity and newborn care, pediatric services, laboratory services, and Rehabilitative and Habilitative Services and Devices.

  • 7. Can I get financial help to pay for health insurance (subsidies, tax credits)?

    Yes, based on your income level.

  • 8. What happens if I have a pre-existing condition?

    While federal law (ACA) prevents discrimination based on pre-existing conditions.

  • 9. How do I choose the best health insurance plan for my needs/family?

    After a fact finding call, I’ll research options for you and then present 3 plans side by side for your review.

  • 10. Where can I buy health insurance?

    You can enroll via the marketplace (healthcare.gov), the carriers or brokers like myself. I you want the tax credits, you need enroll on healthcare.gov or have me do it for you.