HCapStrategy
Innovative Group Health Insurance Solutions in Salt Lake City
At HCapStrategy, we’re revolutionizing Salt Lake City group health insurance through innovative solutions that benefit both employers and employees. Our comprehensive approach combines traditional coverage with modern health savings strategies, providing Salt Lake County businesses with affordable, effective health care solutions.
Transforming Group Health Insurance
Health Insurance Solutions for Utah Business Owners
Our Salt Lake City group health insurance programs go beyond conventional coverage options. We understand that businesses in Salt Lake need flexible, cost-effective solutions that maintain high standards of medical care while managing expenses. Through our unique health plan structures, we help companies maximize their health savings account benefits while ensuring comprehensive coverage that meets both Affordable Care Act requirements and business needs.
Comprehensive Coverage Solutions
As a leading insurance broker in Salt Lake City group health insurance, we offer a complete range of coverage options. From basic medical insurance to comprehensive group life insurance, our solutions encompass everything your business needs. We integrate supplemental insurance, dental coverage, and disability insurance protection into cohesive packages that provide complete protection for your employees.
Health Insurance for Small Businesses in Utah
Transparent Pricing Structure
We believe in clear, straightforward pricing for our group health insurance solutions:
- Employee Only: $398 monthly premium
- Includes $100 monthly HSA contribution ($1,200 annually)
- Employee + Spouse/Children: $655 monthly premium
- Includes $155 monthly HSA contribution ($1,860 annually)
- Family Coverage: $910 monthly premium
- Includes $225 monthly HSA contribution ($2,700 annually)
*Pricing shown is for employees aged 18-29. Contact us for rates for other age groups.
Here’s a breakdown of our coverage costs:
Benefits that Matter
Our health care solutions provide comprehensive protection while offering innovative ways to reduce costs. Working closely with the Utah Department of Insurance, we ensure all our plans meet regulatory requirements while maximizing value. Our coverage includes essential medical care, critical illness protection, and family health insurance options, all designed to provide complete peace of mind.
Solutions for Every Business
Whether you're exploring the health insurance marketplace or seeking a customized Utah health plan, our team provides expert guidance. We understand that each business in Salt Lake City has unique needs, which is why our group health insurance solutions are tailored to your specific situation. From small startups to established corporations, we create insurance benefits packages that work for your budget and your employees.
Enhanced Coverage Options
Our commitment to comprehensive coverage extends beyond basic health insurance. We integrate additional protections including property insurance, life insurance, and home insurance solutions into our packages. This holistic approach to insurance benefits ensures your employees have access to complete protection for every aspect of their lives.
Innovation in Healthcare
We're transforming how businesses approach employee benefits through advanced health savings account integration and streamlined benefits management. Our innovative coverage solutions combine traditional insurance protections with modern healthcare delivery systems, ensuring your employees have access to the best possible care while maintaining cost efficiency.
Who We Work With:
Better HSA and medical benefits administration, at a fraction of a cost
- Base health
- ACA Compliance
- Health Savings Acct or Copay
- Telemedicine
- Dental
- Vision
- Mental Wellness
- 401k
Sharing risk and avoiding financial tragedy from unexpected health events
- hospitalization
- Surgery
- Accident/Injury
- Critical Illness
- Maternity
- Low out of pocket
- Affordable
- No deductibles
Lower premiums, better benefits, and smarter insurance.
- Cost Savings
- Better Benefits
- Get Motivized!
- HSA’s
HSAs Gives You the Control!
Maximizing Your HSA Benefits
Understanding the power of health savings accounts, we structure our plans to maximize HSA benefits for all participants. These tax-advantaged accounts provide additional flexibility in managing healthcare expenses while building long-term savings. Our integrated approach ensures your employees can make the most of their HSA while maintaining comprehensive medical insurance coverage.
Supporting Local Business Growth
Our dedication to Salt Lake City businesses extends beyond basic group health insurance. By working closely with the Utah insurance department and local healthcare providers, we create sustainable coverage options that grow with your business. Our voluntary benefits programs and flexible health coverage options allow you to build a benefits package that attracts and retains top talent.
Complete Healthcare Strategy
Beyond traditional medical insurance, we provide:
- Comprehensive dental insurance solutions
- Integrated disability coverage
- Enhanced liability coverage options
- Flexible spending arrangements
- Complete family coverage options
Compare Us To Traditional Health Insurance Plans
| Comparison | Traditional Insurance | HCap Strategy |
|---|---|---|
| Has a Monthly Premium | ||
| Has a Monthly Membership Rate that is likely substantially less than a premium | ||
| Provides protection against expensive health events | ||
| Usually have to continue to pay for expenses after your deductible is met through coinsurance | ||
| Once you pay your Initial Unshareable Amount (IUA) all other expenses are covered for this event | ||
| Very likely that your max out of pocket will be substantially less with an event | ||
| Covers preventative doctor visits | ||
| Has terms like Deductible, Coinsurance, Premiums Etc | ||
| Has terms like IUA, Monthly Membership Rate | ||
| Can address pre-existing conditions | ||
| Has prescription drug benefit | ||
| Provides a Heath Savings Account (HSA) benefit | ||
| Has an option to add a Dental plan | ||
| Has an option to add Vision plan | ||
| Has Consolidated Billing | ||
| Generally requires you to use a specified "network" for best procedure price | ||
| Gives you more control over deciding where to have a procedure performed | ||
| Will work with the doctor, hosptial, surgical center to pay your bill for you | ||
| When at the hosptial, you present yourself as a "Self Pay" customer | ||
| Does the best job at finding the best value for surgeries, procedures and care | ||
| Eliminates a lot of expense entailed with Traditional Insurance | ||
| Includes a death benefit automatically for no additional cost | ||
| Includes a Wellness Program called Doable Wellness that incentivizes healthy behaviors and includes an invitation for quarterly Body Scans. | ||
| Included incentive for proactive healthy behaviors like exercise, healthy eating, mindfulness activities and more using Doable Wellness | ||
| Provides The Dinnerhub to simplify getting Healthy Dinner on the Table | ||
| Provides The Exercisehub for at home Doable Workouts |
Health Insurance Salt Lake City FAQs
Every health insurance plan we offer includes automatic monthly HSA contributions as part of the premium. For individual employees, this means $100 monthly ($1,200 annually), family plans receive $225 monthly ($2,700 annually), and employee plus spouse/children plans receive $155 monthly ($1,860 annually). These contributions are included in your premium cost and help offset out-of-pocket medical expenses while building tax-advantaged savings.
Our innovative approach combines traditional health coverage with built-in HSA contributions and flexible plan designs. Unlike conventional group health insurance that only focuses on coverage, our plans actively help employees build health savings while providing comprehensive protection. We also offer integration with supplemental insurance options and voluntary benefits to create truly comprehensive coverage packages.
Yes! Our group health insurance solutions are designed for businesses of all sizes in Salt Lake City and surrounding areas. We work with you to customize plans that fit your budget and employee needs, regardless of company size. Plus, we can help determine if your business qualifies for any tax credits or special programs under the Affordable Care Act.
Upon enrollment in our health insurance plan, employees receive complete access to our provider network throughout Utah. We provide detailed information about finding medical care providers, accessing dental coverage, and utilizing all plan benefits. Our team offers ongoing support to help employees maximize their coverage and HSA benefits, ensuring they get the most value from their health care plan.