Health insurance cost in Utah
If you're moving to Utah without job-based coverage, here's what a Marketplace plan costs before subsidies. Utah ranks #31 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $433 | $345 |
| 30 | $601 | $479 |
| 40 | $640 | $510 |
| 50 | $920 | $733 |
| 60 | $1,298 | $1,034 |
| 64 | $1,298 | $1,034 |
Utah sets its own age curve: prices rise faster than the federal curve in the 20s and 40s, stay flat from 27 to 36, and reach the 3:1 limit at 59 instead of 64. Excludes tobacco surcharges.
The Utah benchmark rose 17% for 2026, less than the 26% national increase, leaving it 2% above the U.S. average for a 40-year-old.
What is different in Utah
- Where to enroll
- HealthCare.gov
- Open enrollment for 2027
- Nov 1 – Jan 15
- Marketplace insurers, 2026
- 5
- Medicaid expansion
- Since Jan 2020
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $120/mo
- Where and when. Utah uses HealthCare.gov, the federal marketplace. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1.
- Choice of insurers. 5 insurers sell Marketplace plans in Utah for 2026, down from 6 in 2025. Not every insurer sells in every county, so your choices depend on where you live. 387,336 people picked a Marketplace plan here for 2026, down 8% from 2025.
- What enrollees paid. Enrollees here paid an average of $120 a month after tax credits for 2026, up 71% from the $70 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $571.
- Medicaid. Utah expanded Medicaid in January 2020, after voters approved it in November 2018. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan. A state "trigger" law would end the expansion or force cost cuts if federal funding for it is reduced.
- Going uninsured. Utah doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 8.3% of residents had no health insurance (U.S.: 8.2%), and 10.4% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at HealthCare.gov.
Frequently asked questions
How much is health insurance in Utah in 2026?
The benchmark silver plan for a 40-year-old averages $640 a month before subsidies, and the cheapest bronze plan $510 (KFF analysis of CMS data). That's up 17% from 2025.
How much does health insurance cost for a 60-year-old in Utah?
About $1,298 a month for the benchmark silver plan before subsidies, using Utah's own age curve.
Did Utah expand Medicaid?
Utah expanded Medicaid in January 2020, after voters approved it in November 2018. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan. A state "trigger" law would end the expansion or force cost cuts if federal funding for it is reduced.