Tell us your situation
Fill out a short form in under 3 minutes so we understand your needs clearly.
Independent Insurance. Real People. Zero Runaround.
We're Optimized Insurance Plans — a team of licensed brokers helping individuals, families, and businesses in Utah and beyond find coverage that actually fits their life. We work for you, not the insurance companies. That means we compare every option available and tell you the truth about what's worth it.
Why work with us?
Most people don't realize how many options they have. Carriers don't tell you about competing plans,
and online quote tools don't know your situation. We do.
We're independent.
We're not tied to any single carrier. We compare every plan available to you and recommend what's actually best — not what pays us the most.
We do the work.
You shouldn't have to spend hours comparing plans, decoding policy language, or sitting on hold. That's what we're here for.
No cost to you.
Our service is free. Insurance carriers pay us a commission — it doesn't change your premium and it doesn't influence our advice.
Coverage for every situation.
Whether you need health insurance for your family, life coverage for your future, or a policy for your
business — we've got you covered.
Health Insurance
Individual and family plans, ACA marketplace, and off-marketplace options.
Life Insurance
Term, whole, and universal life — straightforward coverage to protect what matters most.
Medicare
Medicare Advantage, Supplement, and Part D — help navigating every enrollment decision.
Health Share Plans
A lower-cost alternative to traditional insurance for qualifying individuals and families.
Business Insurance
General liability, commercial auto, workers comp, group health, and more.
Getting covered is simpler than you think.
Tell us your situation.
Fill out a short form. It takes about three minutes and gives us everything we need to find your options.
We do the comparing.
We review every plan available to you and put together a recommendation based on your budget, your needs, and what actually makes sense.
You get covered.
We walk you through your options, answer your questions, and handle the enrollment. You're done.
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We do the comparing
We analyze all available options and filter what actually makes sense for you.
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You get covered
We guide you through everything and complete your enrollment with zero confusion.
Real agents. Real answers.
You'll work with a licensed agent who knows your situation — not a call center, not a chatbot. Every
person on our team is here because they genuinely like helping people figure this out.
Zac Lovingier
Founder & Master Broker aka Chief Cool Guy
Gabi Fosmore
Client Happiness Expert
Steph Laws
Commander of Collaboration
Kyla Lovingier
Licensed Agent
Matt Allen
Chief Leak Finder & Client Support
Austin Allen
Enrollment Specialist
Lauren Showgren
Insurance Broker/Strategist
De Kinsey
Chief Technical Officer aka Chief Smart Gal
Know someone who needs coverage?
Send them our way. If someone in your life is paying too much, stuck on a plan that
doesn't work, or just has no idea where to start — point them to us. We'll take it from
there.
What our clients say.
EXCELLENT - 104 reviews
Tom Collins
2 years ago
★★★★★
"Zac is our go-to guy for all of our health insurance needs. He's like a secret weapon. Can't imagine not having him!"
Karen McHerron
3 years ago
★★★★★
"Zac Lovinger was very helpful, kind, patient answering questions, informative, and great at following up!"
Deanna Kinsey
3 years ago
★★★★★
"I LOVED working with Optimized Insurance Plans. Zac took the time to help understand the situation and get my family a plan that would fit our needs. Very grateful for all the help they provided!!"
Jessica Bartlett
3 years ago
★★★★★
"Zac with Optimized Health Plans made such a difference... He helped us save money and have a plan that works for us."
Sarah C
3 years ago
★★★★★
"Gabby is a Gem! And made the process simple and easy to understand. 100% refer her to everyone."
Ready to stop overpaying?
Fill out a quick form and we'll reach out within one business day.
Independent insurance brokers helping individuals, families, and businesses find coverage that actually fits their life.
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