Effective January 25, 2011, the state of Utah is requiring insurance companies to issue child-only plans to individuals under the age of 19 who have obtained a "certificate of insurability".

 

To receive a certificate of insurability, an individual must apply to HIPUtah - the state's High Risk Pool. If the individual qualifies for a HIPUtah plan, he or she will be offered HIPUtah coverage. If not, the individual will be issued a certificate of insurability, which must be honored by ever insurer in the Utah individual market.