Encore Benefits

Insurance You Will Applaud!

Your  Employee Benefits Firm

Explore Insurance Options For Businesses and Individuals Below

Employee Benefits

Now, more than ever, Utah employers need innovative employee benefits strategies to help recruit and retain employees while keeping costs as low as possible. Our experience has lead to representing more than 2,000 accounts and covering more than 50,000 individuals. Our organization has successfully established relationships across the industry.

family insurance

Individuals & Families

The Affordable Care Act (ACA) has dramatically changed the affordability and availability of individual and family (non-employer-sponsored) health insurance.  Many of the previous barriers to getting individual insurance have gone away; now you cannot be declined for coverage, or have your premium raised due to health conditions. Also, there are no exclusions for pre-existing health conditions.


See how we help individuals and businesses every day


COBRA Continuation Deadlines During the Pandemic 150 150 Encore Benefits

COBRA Continuation Deadlines During the Pandemic

During the economic instability surrounding the COVID-19 pandemic, terminated or furloughed employees should understand some new federal regulations governing COBRA continuation. What Hasn’t Changed If you were enrolled in group medical, dental or vision benefits sponsored by a COBRA-subject employer (addressed later) and lost eligibility for that coverage (through termination, loss of hours, etc.), you…

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Cheap Medical Insurance: If It Sounds Too Good to Be True… 150 150 Encore Benefits

Cheap Medical Insurance: If It Sounds Too Good to Be True…

The average premium for individual health insurance coverage has more than doubled in the past five years. So if you’re paying for your own insurance, unless your income has also doubled, you’ve felt the sting.  If you’re ineligible for a subsidy, your monthly premium can rival your mortgage payment. “There’s GOT to be something cheaper…

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HIPAA For Employers 150 150 Encore Benefits

HIPAA For Employers

The Health Insurance Portability and Accountability Act of 1996 (HIPAA) obligates employers, health care providers, insurance agents, insurance carriers and others to respect the confidentiality of the Private Health Information (PHI) of employees and their dependents. This is a quick overview of what employers should and should not do with PHI. You, the employer, must…

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