Experienced Insurance Agent
At Millcreek Insurance Advisors, we protect businesses and families—helping secure the future for those who matter most. From group health plans, employee benefits, and life insurance to supplemental insurance, Medicare, compliance, employee handbooks, and onboarding new clients, we simplify the process so you can focus on running your company—not chasing paperwork. Millcreek Insurance Advisors in Salt Lake City, UT, can be reached at 801-201-9975.
Insurance Services We Offer
HEALTH BENEFITS
Affordable individual family plans, both on the marketplace and private insurance, with side-by-side comparisons.
MEDICARE
For those over 65, or with a qualifying need, we dive into your doctors, prescriptions, and even the pharmacies you use to find the best option to meet your needs
LIFE INSURANCE
Whether you want to cover your mortgage, insure your spouse and children are provided for, or plan for retirement, we can help.
SUPPLEMENTAL INSURANCE
Low-cost plans that cover the gaps health insurance doesn’t cover, such as your deductible or max out-of-pocket.
Employee Benefits & Group
Plans that help you control the second biggest expense line on your P&L
Whether you’re a small business or a growing team, we’re here to guide you with practical advice, personal service, and real-world solutions.
Call us at 801-201-9975 to schedule a consultation and learn how Millcreek Insurance Advisors can support your business today.
Meet Steven Haga – Your Local Insurance Agent
At Millcreek Insurance Advisors, we believe insurance should be simple, clear, and tailored to your unique needs. Led by Steven Haga, a licensed insurance agent based in Salt Lake City, UT, our team is dedicated to helping individuals, families, and businesses find the right coverage to protect what matters most.
Steven brings a background in education and a passion for teaching clients about their insurance options. He specializes in health, life, Medicare, group, and supplemental insurance—guiding you through complex choices with clear, honest advice. Our goal is to provide peace of mind by offering personalized solutions that fit your budget and lifestyle.
Whether you’re exploring health plans, life insurance, Medicare options, or employee benefits for your business, Millcreek Insurance Advisors is here to help every step of the way.
How Our Process Works
Four Simple Steps to Better Benefits
1. Quick 15-minute consultation
2. We shop the market for you
3. We give you a side-by-side comparison
4. We help you see what you need and enroll you with no charge.
Frequently Asked Questions (FAQ)
1. When is the Open Enrollment period?
A: For individual and family plans on the HealthCare.gov marketplace, open enrollment runs from November 1 through January 31 (with a key deadline of December 15 for coverage starting January 1). Employer-sponsored plans, Medicare, and Medicaid have separate enrollment windows. Source: HealthCare.gov
2. How do I buy health insurance in Utah?
A: You can buy individual and family plans through the federally-run exchange at HealthCare.gov, directly through private insurance companies (off-marketplace), or with our help as licensed insurance broker at no cost. We will show options side-by-side to help make it easy for you to decide.
3. How much does health insurance cost in Utah?
A; Costs vary by age, family size, location, and plan tier (metal level). Most enrollees qualify for income-based subsidies. We can help you determine if you qualify for subsidies.
4. How do metal levels (Bronze, Silver, Gold, Platinum) work?
A: Metal levels dictate how you split costs with the insurance company:
• Bronze/Catastrophic: Generally lower monthly premiums but higher deductibles and out-of-pocket costs. All Bronze qualify for HSA. We’ll explain how HSAs work. Source: HealthCare.gov
• Silver: Generally moderate monthly premiums and out-of-pocket costs. If you qualify for Cost-Sharing Reductions (CSR), a Silver plan can provide additional savings on deductibles, copays, and coinsurance. We’ll help determine if you qualify.
• Gold/Platinum: Highest monthly premiums with lower deductibles and copays for frequent care.
5. What are the 10 essential health benefits required in Utah?
A; All ACA-compliant individual and small-group plans must cover:
• Ambulatory patient services and emergency services
• Hospitalization, maternity, and newborn care
• Mental health and substance use disorder treatment
• Prescription drugs, and rehabilitative/habilitative services
• Laboratory services, preventive/wellness care, and pediatric care (including oral/vision)
6. How does Utah’s UPP (Utah’s Premium Partnership for Health Insurance) work?
A: The Utah Department of Health and Human Services UPP Program offers monthly reimbursement grants (up to $300 per adult and $180 per child) to help low-to-moderate-income workers offset the cost of employer-sponsored health insurance. Source: Utah DHHS UPP Program
7. How do I qualify for a Special Enrollment Period (SEP)?
A; If you miss the annual open enrollment window, you can only sign up for a marketplace plan if you experience a Qualifying Life Event—such as getting married, having a baby, moving to a new service area, or losing other qualifying health coverage. Source: HealthCare.gov
8. Which insurance companies operate in Utah?
A: Multiple private insurers and health systems (such as SelectHealth, University of Utah Health Plans, and others) offer individual, family, or employer coverage in the state, though provider networks and availability vary by county. You can verify active carriers through the Utah Insurance Department. Source: Utah Insurance Department
9. What is the difference between an HMO, PPO, and EPO?
A: These acronyms define your provider network rules:
• HMO (Health Maintenance Organization): Requires in-network doctors and primary care referrals.
• PPO (Preferred Provider Organization): Allows out-of-network visits (at a higher cost) without referrals.
• EPO (Exclusive Provider Organization): Requires in-network care, but usually doesn’t require a referral to see specialists.
10. Where can I get free help choosing a plan in Utah?
A: We offer free consulting, no direct cost to compare provider networks, estimate total yearly out-of-pocket costs, and check subsidy eligibility. We’ll even take care of your enrollment and help with any required follow up.
How our process works: There are four simple steps to better benefits.
1. Quick 15-minute consultation
2. We shop the market for you
3. We provide a side-by-side comparison
4. Easy Enrollment and ongoing support