Hi, I'm Ernie Sweat.

I created this website to provide you with relevant, useful information about group health insurance in Utah.

Finding your best option for group health insurance in Utah

It has never been easy for small businesses and organizations in Utah to understand how to obtain the most appropriate and cost-effective health insurance coverage for employees.  There are so many alternatives, each with their own premium structure, exclusions, discounts, coverage limits, provider networks, co-insurances and so on.  

The Utah Health Exchange

The State of Utah, working with industry and consumer groups and and the state insurance commissioner, has developed something called the Utah Health Exchange.  Meanwhile, some provisions of the federal Patients Protection and Affordable Care Act (PPACA) have already gone into affect.  These state and federal efforts to control costs and broaden coverages of health care insurance have in many ways made things even more complicated.

Working with an agent who understands the industry

These days, it takes a specialist to navigate the health insurance market, particularly for small group health insurance.  I've worked exclusively in the employee benefits field since 1989 and have made it my business to stay on top of all the changes going on so you don't have to. On this website, I try to explain in lay person's terms what you need to know about the Utah Health Exchange and the federal PPACA if you are trying to do your own shopping for group health insurance.

Contact me when you're ready

When you are ready, please contact me to arrange a meeting with as many of your staff as you would like.  I will explain in person what your options are, how you are impacted by these laws, answer any questions you might have - and give you sound advice on how to choose the best plan for your situation.  

There is never any obligation. I hope to win your business, but if not, I still appreciate the opportunity.

As an agent with Fringe Benefit Analysts Insurance Consulting & Marketing LLC, I am licensed and appointed by a broad range of insurance companies and plans in Utah and other states. These include Altius, Select Health, Regence Blue Cross Blue Shield of Utah, Humana, United Healthcare, Best Life.  

If you don't see an insurance plan listed that you are interested in, please contact us.

I hold an agent's license and a consultant's license in Utah as well as licenses in several other adjoining states. I have also met their requirements to market the Utah Health Exchange to employers.