Healthcare & Medicare Solutions

Health insurance can be confusing. You should not have to figure it out alone. Whether you are an individual, a family, or a business owner, we help you compare plans, understand your options, and enroll with confidence at no additional cost to you. We represent many of Utah’s major health insurance companies, including SelectHealth, Regence BlueCross BlueShield of Utah, University of Utah Health Plans, UnitedHealthcare, Aetna, Cigna Healthcare, Molina Healthcare, Humana, and others.

No extra cost for a local agent. Your premium is the same whether you enroll directly with a carrier or enroll through us. We are paid by the carrier; you do not pay extra to work with a local, licensed agent. Pre-65 Individual and Family Health Insurance Quotes: Copy and paste this link into your browser to compare real time plans and even  enroll!

www.healthsherpa.com/?_agent_id=spencer-shelton

Individuals and families (under age 65)

• Affordable Care Act marketplace guidance — We review benefits, deductibles, networks, and prescription coverage so your doctors and medications are covered.

• Savings and tax credits — We estimate eligibility for premium tax credits and cost-sharing reductions to lower both premiums and out-of-pocket costs.

• Health Savings Account options — We identify plans compatible with a Health Savings Account if that fits your strategy.

• Simple enrollment — Secure forms, electronic signatures, clear side-by-side comparisons, and quick confirmations.

• Same price as direct — Working with our local team costs the same as enrolling on your own.

Small business and group coverage

• Plan design and carrier comparison for medical, dental, and vision.

• Budget-first recommendations that balance benefits, network access, and cost.

• Onboarding and year-round support for owners and employees.

• Technology that serves people — Secure online forms, electronic signatures, real-time updates, and a simple client portal.

• No extra cost for local support — Your premium is the same; you gain an ongoing advisor for renewals, compliance questions, and employee education.

Medicare plans and guidance

Medicare has many moving parts. We help you compare Medicare Advantage, Medicare Supplement (Medigap), and Medicare Part D prescription drug plans—so your doctors, hospitals, and medications fit your needs and budget. There is no additional cost to you to work with a local, licensed agent. Your premium is the same as enrolling directly.

What to expect

• Discovery — Your doctors, prescriptions, budget, and priorities

• Design — Side-by-side comparisons of benefits, networks, and drug formularies

• Deliver — Enrollment support and clear next steps

• Review — Year-round support and annual plan reviews

When you can enroll

• Initial Enrollment Period (around your 65th birthday or when first eligible)

• Annual Enrollment Period (October 15 through December 7)

• Open Enrollment Period for Medicare Advantage (January 1 through March 31)

• Special Enrollment Periods after qualifying life events (for example: moving, losing other coverage)

Why choose Shelton Insurance Group

• Independent and unbiased — We build around your needs, not a carrier quota.

• Local expertise — Utah networks, clinics, and hospitals are part of our everyday work.

• Technology that saves time — Secure online forms, electronic signatures, real-time text or email updates, a simple client portal, and same-day proof of insurance when possible.

• Advocacy that lasts — We support you before, during, and after enrollment—year after year.

• Same price promise — It never costs more to have a local agent on your side.

Next step: Call us for a coverage review. Leave with the right plan, the right network, and a clear understanding of your costs.

 Medicare Disclosure: We do not offer every plan available in your area. Please contact Medicare.gov, 1-800-MEDICARE, or your local State Health Insurance Program to get more information.

Government affiliation disclaimer: We are not connected with or endorsed by the United States government or the federal Medicare program.

By submitting your information, you agree that a licensed insurance agent may contact you about Medicare plan options. This is a solicitation for insurance. We may record our marketing and enrollment calls as required by Medicare rules. For accommodation of persons with special needs, please call (801) 755-7749. TTY users: 1-877-486-2048.