Utah Health Insurance Guide

Health Insurance Overview in Utah

Utah expanded Medicaid through a modified approach in 2020, following voter approval of a full expansion in 2018 that the legislature subsequently modified. Utah uses the federal HealthCare.gov marketplace. Utah's young, healthy population and strong employer base mean many residents have employer-sponsored coverage, limiting individual marketplace enrollment.

Average Health Insurance Costs in Utah

Marketplace Enrollment in Utah

Utah residents can enroll in individual and family health insurance plans through HealthCare.gov (Federal). Open enrollment runs November 1 – January 15 (federal marketplace).

Average Premiums by City in Utah

Medicaid in Utah

Utah Medicaid expanded in 2020, covering adults with incomes up to 138% of the federal poverty level following voter approval and subsequent legislative modifications.

Children's Health Insurance (CHIP) in Utah

CHIP covers children under 19 in families with incomes up to 200% of the federal poverty level.

What Makes Utah Unique

Utah's Medicaid expansion path was contentious — voters approved full expansion in 2018, but the legislature implemented a modified, partial expansion. After legal challenges and negotiations, Utah ultimately implemented a more complete expansion in 2020. The episode highlighted tensions between direct democracy and legislative authority on health policy.

ACA Subsidies: What Utah Residents Should Know

The enhanced subsidies first enacted in the American Rescue Plan expired at the end of 2025. For 2026, premium tax credits follow the original ACA rules: there is no credit above 400% (the “subsidy cliff”), and enrollees are expected to pay up to 9.96% of income toward the benchmark Silver plan. House in January 2026 but has not become law, so 2027 plans are being priced and subsidized under the same rules unless Congress acts.

Utah’s Marketplace for 2027: Insurers, Rates, and Dates

Utah residents enroll through HealthCare.gov. Full-price premiums rose about 14.2% on average for 2026, before subsidies. 6 insurers sold plans for 2026. Proposed 2027 changes average about 6.7% before subsidies.

About 387,000 people enrolled for 2026. About 90% received premium tax credits, and the average net premium after credits was about $68 a month.

Open enrollment for 2027: November 1, 2026 through January 15, 2027 on HealthCare.gov; enroll by December 15 for coverage starting January 1.

What’s Different About Health Coverage in Utah

Utah’s marketplace is large for its size, about 387,000 enrollees in 2026, and heavily subsidized: 90% received credits averaging about $499, for an average net premium of about $68. Aetna left at the end of 2025. Proposed 2027 increases are modest, about 6.7% on average.

Tips for Choosing Health Insurance in Utah

Utah's young, healthy population often qualifies for favorable marketplace rates. Medicaid covers low-income adults. Utah's strong employer market means many residents have employer coverage. ACA subsidies reduce marketplace costs for eligible residents. Utah's large family sizes mean family coverage amounts should be calculated carefully.

• Enroll during open enrollment (November 1 – January 15 (federal marketplace)) — missing the deadline means waiting until the next open enrollment unless you have a qualifying life event.

Frequently Asked Questions

How many insurers sell marketplace plans in Utah?

Six insurers sold Utah marketplace plans for 2026, with proposed 2027 changes averaging about 6.7% before subsidies.

When is open enrollment in Utah for 2027?

November 1, 2026 through January 15, 2027 on HealthCare.gov; enroll by December 15 for coverage starting January 1.

How much do Utah marketplace enrollees pay after subsidies?

In 2026 about 90% of Utah enrollees received premium tax credits, and the average net premium was about $68 a month. There is no credit above 400% of the federal poverty level.

The information on this page is provided for general informational purposes only and reflects estimated industry averages and program eligibility rules as of 2026. Health insurance premiums, Medicaid eligibility thresholds, marketplace options, and program rules change annually. Always verify current eligibility and enrollment options at the official HealthCare.gov (Federal) or by contacting a certified navigator or broker. Premium figures shown are approximations before subsidies — actual net premiums depend on individual income, household size, and plan selection.