> BB checks, UTG checks, Hero bets $1, BB folds, UTG raises to $2
You only have a pair. Call and thank him for only miniraising you. Check the turn and call a reasonable bet. If he goes for more than $2, fold.

> Turn: ($1.95) (3 players)

Hero checks, MP3 bets $0.5, Hero calls $0.50.
The SB action is missing but from the result I think he checked and called. When two people show strengh before you, it is reasonable to assume at least one of them have a King.

> I get to the bubble in 90% of the SnG's

Try playing tighter and don't call PF all-ins without monster hands.