You won't find a PPO on Utah's marketplace, but I can still help you get nationwide PPO coverage. For agents selling resort properties and second homes, work often takes them far beyond Utah. Here's how to choose insurance when your clients and your travel aren't limited to one state.
Hi, I'm Sam Jaber. I carry health insurance licenses in 36 states and help Utah real estate agents handle coverage by phone, whether they're working in Park City, Heber, Draper, or St. George.
Imagine the typical year for a listing agent based in Park City. During ski season, buyers arrive from New York, Dallas, and Los Angeles. Once summer comes, she's showing mountain properties to families looking for relief from the heat back home. Between those busy stretches, she's traveling to see returning clients, attending a Scottsdale conference, or spending time with her sister in Denver. Her commissions are good, everyone in her household is healthy, and most of those trips take her beyond the provider network offered by Utah marketplace insurance. That's why the kind of network she buys matters as much as the monthly premium.
Utah's HealthCare.gov marketplace has 57 individual medical plans available this year. The lineup includes thirty-seven HMOs and twenty EPOs, but no PPO options at all. Four insurers offer those plans in Summit County.
A nationwide PPO remains an option in Utah, even though you won't see one listed on the exchange. I can arrange this private coverage for you. The insurer determines the premium after reviewing your health questionnaire, and the provider network extends across the country. You can also make specialist appointments directly without needing referrals.
Most HMOs and EPOs don't cover nonemergency treatment outside their provider networks. That becomes important when your real estate business takes you out of Utah for several weeks each year. A lingering injury, an unexpected need for more medication, or a follow-up appointment can leave you paying yourself while traveling. Because agents selling resort properties often spend more time away from home, they're especially likely to encounter these network limitations.
Utah premiums became another concern in 2026. KFF reports that the benchmark second-lowest-cost silver plan for a 40-year-old increased 17.0% over the previous year. If your commission income puts you above the premium credit eligibility range, you bear that entire price increase yourself.
For a family in these circumstances, private insurance is often the stronger choice. During underwriting, the insurer asks about each applicant's health. It can approve coverage as requested, offer a policy that excludes one condition, or decline the application. When the household is healthy, private premiums frequently fall below full marketplace prices, and the nationwide network remains useful while traveling. If someone you're covering has a medical condition, don't automatically rule out private insurance. The particular condition matters, so let's review it before deciding.
Next step: Let me know how many people need insurance and how much time you spend traveling during the year. I'll compare a private nationwide PPO quote with the full-price marketplace choices available in Summit County.
Not every agent has a strong commission year. A disappointing spring or slower fall could bring your household income into the premium credit range. If that happens, marketplace insurance will generally cost less than private coverage, provided your Utah physicians participate in the network. Should a late transaction push your income higher, revise your HealthCare.gov estimate immediately. Beginning in 2026, there's no limit on repayment of premium credits you weren't entitled to receive. Keep your pending closings organized so your estimate stays realistic.
Next step: Tell me which closings have funded and which are still in the pipeline. We'll build a realistic income projection and find a network that works with your doctors.
Think back over last year and count the nights you spent outside Utah. Then consider how often you needed medical attention during those trips. If you visited a doctor even once, the limitations of a Summit County HMO or EPO may already have cost you money or made getting care less convenient. That's a good reason to compare the premium for a nationwide PPO.
Utah expanded Medicaid, and KFF reports an adult income eligibility limit of 138% of the federal poverty level. That means an agent just starting out, or one whose real estate market has stalled, might qualify temporarily. You can't receive Medicaid and marketplace premium credits together. Once new closings increase your income, you'll need to move to marketplace coverage.
Straight answers, no sales pitch.
No PPO is offered among Utah's 57 individual marketplace medical plans. They're all HMOs or EPOs. However, agents in good health can still purchase private nationwide PPO coverage, and I can help arrange it.
For 2026, four different insurance companies offer marketplace coverage in Summit County.
Yes. According to KFF, Utah's benchmark premium for someone age 40 increased 17.0% between 2025 and 2026.
You might qualify during an especially slow sales year. KFF reports that Utah's Medicaid income threshold for adults is 138% of the federal poverty level.
Tell me where you live in Summit County or Wasatch, how often you expect to travel, who needs coverage, and what your commissions were after splits last year. I'll help you compare a Utah-based network against nationwide coverage and explain which direction makes better sense for you.
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