M. Chad Day Insurance Agency

08/21/2026

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Parents — developing your child's road safety smarts starts with you. With school back in session, here are some tips to guide you. ⤵️

07/14/2026

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05/20/2026

Scams to watch for:

Scammers often rely on two things: new technology and false urgency. Make sure your clients are aware of these specific tactics:

The QR code overlay:
Many people are comfortable using QR codes for menus, or check-ins, or public Wi-Fi access. Scammers are now placing stickers over real QR codes in public places or mailing letters with codes that lead to fraudulent login pages. Be mindful of QR codes. If a QR code feels out of place, don’t scan it.

The new card or chip scam:
A trending scam involves telling people they need to upgrade to their Health insurance ID card to a metal or chip-embedded card to prevent identity theft. Any offer for a high-tech upgrade is a red flag. Ask your agent or insurance provider directly before proceeding with a card technology upgrade.

The urgency trap:
Scammers thrive on panic. They may claim healthcare benefits will be suspended within 24 hours unless “account details are updated.” If a caller is rushing you or creating a sense of fear, it is almost certainly a scam.

When in doubt, play it safe and call your agent before proceeding with anything that seems a odd or out of the ordinary.

05/13/2026

Please be careful out there and make sure your parents know to be careful too. Medicare scams are a growing problem. It's always safer to call a professional (our help comes at no cost) rather than follow a random ad, e-mail, or text message.

A new report from the Center for Countering Digital Hate finds 30 of the most active scam accounts on Facebook generated about 215 million impressions in the last year.

03/18/2026

What to do if you fall for an internet scam:

Never contact the scammer. Gather emails, bank statements, and other information that may help authorities catch the scammer and help get your money back. Take these steps:

1. Report it, even if you didn't lose money or data. You can report scam websites to law enforcement and file a complaint to the FBI's Internet Crime Complaint Center (link here: https://www.ic3.gov/ ).

2. Lost money? File a police report.

3. Stolen banking details? Contact your bank to block credit cards and accounts.

4. Stolen personally identifiable information? Report it to the police, your bank, credit bureaus, Social Security Administration, and Federal Trade Commission.

5. Stolen password? Change it to something more secure and enable two-factor authentication (this is when you need to enter a special code that was texted, e-mailed, or generated by an authenticator app, in addition to your password).

6. Scammer accessed your personal device? Change your passwords, inform your bank, and scan for viruses/malware.

Secure .gov websites use HTTPS A lock ( ) or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

03/06/2026

SCAM ALERT:

SCAM ALERT: "Utah DLD Final Notice" Text

Have you received a text message claiming to be from the Utah Department of Public Safety Driver License Division about an "unresolved traffic violation"? It is a SCAM. Scammers are sending high-pressure messages like the one in the photo to steal your credit card info and personal data.

Don't click any links. Don't reply. Delete the message.

Clear signs of a scam:

We don't deal with unpaid tickets.

We don't text, we write letters.

We don't apply pressure.

Don't fall victim to this scam. Tell your family and friends.

01/29/2026

If you had private major-medical health insurance last year AND you received a subsidy (aka: Advanced Premium Tax Credit), which reduced the cost of your insurance, please be sure to include or use your "Form 1095-A" when you file taxes. This is how the IRS squares your income prediction with the cost of your insurance.

If you forget to include/use Form 1095-A, you should file an amendment to correct your taxes to avoid negative consequences with the cost of your insurance and with the IRS.

Normally, your 1095-A form would have arrived in the mail (from the Health Insurance Marketplace) by now. However, this year the government announced they are behind sending these forms out. The forms are expected to arrive by mid-February this year. If you'd prefer not to wait, you can call the Marketplace (1-800-318-2596) 24/7 and they may be able to e-mail your 1095-A to you early.

01/26/2026

Tips to avoid being scammed this tax season:
Scammers are impersonating the IRS and tax preparers to try to steal your personal information and file fake returns or claim refunds in your name.

Common Red Flags:
• Unexpected contact: Scammers contact you on social media or by phone, threatening legal action.
• Urgent payment requests: Criminals often demand immediate payment via wire transfers, gift cards, or cryptocurrency.
• Links or attachments in messages: Phishing emails often include fake IRS logos and links to "verify your account."

Tips to Keep You Safe from Tax Fraud:
• File as early as possible
• Update passwords and use two-factor authentication
• File on protected Wi-Fi networks
• Shred old tax documents
• Use trusted tax preparers

You can report tax fraud to the IRS here:

If you were scammed, suspect tax fraud or had your identity stolen, report it to us.

01/16/2026

The M. Chad Day Insurance Agency will be closed on Monday, Jan. 19th, 2026 in honor of Martin Luther King Jr. Day.

We will re-open at 11am on Tuesday, Jan. 20th.

01/14/2026

January 16th, 2026 is the final deadline for national Open Enrollment to sign-up for, or change, private health insurance and our meeting calendar is completely booked.
If you don’t have Health insurance right now and would like coverage for 2026, please use our self-service tool by visiting https://www.healthsherpa.com/?_agent_id=m-chad-day-insurance . It’s not as good as sitting down with us, but signing up for any plan is better than nothing.

If you sign up through this link, please make sure you get all the way through and pay your first month’s premium before closing your browser, or your coverage will not be started.

Office phone number: (801) 404-5330