Welcome to
Black Arrow Insurance

We are here to help you enroll in low-cost ACA insurance plans and/or private insurance.

Our Services

ACA Health

ACA (Affordable Care Act) Insurance

This law is also known as Obamacare.

Who can apply?

● Immigrants legally present
● Citizens of the United States

When can I sign up?

Between November 1st and December 15th: You can renew, change or enroll for the plan to cover the period of January 1 through December 31. If you register between December 16 and January 15, insurance starts on February 1.

Special enrollment period: The first 60 days following a special event (such as getting married, having a new baby, moving out of network area, losing medical coverage, change of status, etc.)

What do these insurance plans cover?

All plans offered on the Health MarketplaceⓇ cover these 10 essential health benefits:
● Outpatient services (outpatient care you receive without being admitted to a hospital)
● Emergency services
● Hospitalization (such as surgery and overnight stays)
● Pregnancy, motherhood and newborn care (both before and after birth)
● Mental health and substance use disorder services, including behavioral health treatment (this includes counseling and psychotherapy)
● Prescription medications
● Rehabilitation and habilitation services and devices (services and devices to help people with injuries, disabilities, or chronic illnesses obtain or regain mental and physical abilities)
● Laboratory services
● Preventive and wellness services and chronic disease management
● Pediatric services
All plans under this law cover the treatment of pre-existing medical conditions.

How much do these insurance plans cost?

● It depends on where you live, your income, the number of people living in your family.
● Although all plans meet the minimum requirements required by the government, there are plans that have a broader network of services and benefits.

Free quote

Private Insurance

Eligibility conditions of ACA plans are not required

Short Term Medical

Are you waiting for annual enrollment? Short-term health plans are temporary, low-cost health plans.

• They do not cover pre-existing diseases
• Flexible terms, from 30 days to 3 months
• Coverage for office visits, urgent care, and more (varies by plan)
• A wide range of deductibles and out-of-pocket costs

Vision

A vision plan is a health benefit that helps cover the cost of eye care, such as glasses, contact lenses, and eye exams.

• Multiple benefit levels to choose from

Dental

Dental insurance is a supplemental benefit that can cover regular dental care, routine services, comprehensive care, and more, depending on the plan.

• Multiple benefit levels to choose from
• There is no waiting period for preventive care with most plans

Accident

Accident insurance is a supplemental plan that pays you cash for care related to a covered injury or illness. It works with or without health insurance and offers cash relief after an unexpected medical event.

• Flexible terms, from 30 to 364 days
• No network restrictions or waiting periods
• Works with or without health insurance

Critical Illness

Critical illness plans offer cash benefit for covered illnesses. These plans work with or without a health insurance plan and offer financial relief without you worrying about the cost.

• No deductibles
• No network restrictions
• Lump sum cash benefit up to plan limits

Life

Life insurance is to protect your family and loved ones, even after you pass away. This benefit helps your family financially with existing debts, funeral expenses and other everyday costs. With a life insurance policy, you are preparing for your family's future. We will help you with insurance according to your needs and income.

Car

All cars in Utah must carry minimum insurance coverage of bodily injury and property damage liability insurance. Other options include comprehensive coverage, personal injury coverage, uninsured motorist coverage, and other coverages that cover different risks.

• Utah's minimum auto insurance requirements include 30/65/25 liability
• Utah insurance laws also require $3,000 personal injury protection

Property

Property insurance is a type of insurance policy that provides coverage to property owners or tenants. These policies can provide coverage for damage caused by fire, flood, theft, adverse weather conditions, and other risks.

Ask us if you need other types of insurance.

Black Arrow Insurance

About Us

We are a broker agency representing multiple carriers who are authorized to carry out transactions by the Utah Department of Insurance. We are specialized in ACA Health Insurance and Private Health Insurance, However, we are expanding our range of services. Insurers change their plans every year. Family circumstances may also change. Consequently, health plans need to be reviewed annually to determine the best fit.

Did you know you can change your health insurance agent whenever you want and continue keeping the same policy?
Contact us to review your options!

*The information provided is a summary. For complete official information, refer to Healthcare.gov.