Utah Health Insurance: Marketplace, Private Plans & 2027 Rates
Shopping for health insurance in Utah? Utah's 2027 individual health insurance market is relatively stable, and approved rate increases are lower than those being seen in many other states.
The statewide weighted individual-market increase is approximately 6.7%, but your own change can be very different. Carrier averages range from about 4% to nearly 16%, and your plan choices depend heavily on where you live.
We help self-employed workers, individuals, families, early retirees, and small business owners compare HealthCare.gov plans with other available private coverage while looking at premiums, doctors, hospitals, prescriptions, networks, deductibles, and total costs.
Licensed in Utah • Free consultation • Phone and video appointments available
Utah Health Insurance at a Glance
| Topic | What Utah Residents Should Know |
|---|---|
| Marketplace | Utah uses the federal Marketplace at HealthCare.gov. |
| 2027 Open Enrollment | November 1, 2026 through January 15, 2027. |
| January 1 Coverage | Select a Marketplace plan by December 15, 2026. |
| Individual-Market Insurers | Six insurers remain in Utah's individual market for 2027. |
| Marketplace Insurers | Five are currently listed for exchange participation. Molina is listed as off-exchange only for 2027. |
| 2027 Rates | Approved weighted average individual-market increase of approximately 6.7% before financial assistance. |
| Statewide Carrier | SelectHealth is currently listed statewide. Other insurers have regional service areas. |
| Utah Medicaid | Adult Expansion Medicaid generally covers qualifying adults ages 19 through 64 up to approximately 138% of the federal poverty level. |
| New for 2027 | Community-engagement requirements and six-month reviews begin for certain Adult Expansion Medicaid and Targeted Adult Medicaid members. |
Utah Uses HealthCare.gov
Utah uses the federally facilitated Health Insurance Marketplace at HealthCare.gov.
Individuals and families can use HealthCare.gov to compare available Qualified Health Plans and determine whether they qualify for federal Premium Tax Credits.
Marketplace plans are ACA-compliant major medical insurance and include protections such as:
- Coverage for pre-existing conditions
- ACA-required essential health benefits
- Preventive services
- Prescription drug coverage
- Hospital and emergency services
- Maternity and newborn care
- Defined annual limits on covered in-network out-of-pocket costs
- No medical underwriting for eligibility
Utah Health Insurance Companies for 2027
Utah's current 2027 individual-market lineup includes six insurance companies.
However, there is an important distinction between individual-market participation and HealthCare.gov Marketplace participation.
SelectHealth
SelectHealth is currently listed as offering individual coverage statewide for 2027.
Regence BlueCross BlueShield of Utah
Regence continues individual coverage across a large group of northern, central, and northeastern Utah counties.
BridgeSpan Health Company
BridgeSpan is also continuing in selected counties, including portions of the Wasatch Front and northern Utah.
University of Utah Health Plans
University of Utah Health Plans continues to offer individual coverage across much of the state, although availability varies by county.
Imperial Health Plan
Imperial Health Plan of the Southwest is listed for individual coverage in Salt Lake and Utah counties.
Molina Healthcare of Utah
Molina remains in Utah's individual market, but the Utah Insurance Department currently lists Molina as off-exchange only for 2027.
Approved Utah Health Insurance Rates for 2027
Utah's 2027 individual health insurance rate changes have been approved.
The weighted average increase across the individual market is approximately 6.7% before Marketplace financial assistance.
| Insurance Company | Approved Average 2027 Change | 2027 Status |
|---|---|---|
| Regence BlueCross BlueShield of Utah | About +3.9% | Marketplace / individual market |
| SelectHealth | About +6.0% | Marketplace / statewide |
| BridgeSpan Health Company | About +7.5% | Marketplace / regional |
| Molina Healthcare of Utah | About +9.2% | Off-exchange only |
| University of Utah Health Plans | About +15.4% | Marketplace / regional |
| Imperial Health Plan of the Southwest | About +15.8% | Marketplace / limited service area |
Why Utah's Statewide Average Doesn't Tell the Whole Story
Utah's overall increase of roughly 6.7% looks relatively modest compared with many other states, but the individual carrier changes are much more spread out.
A Regence member may see a very different renewal picture from someone enrolled with University of Utah Health Plans or Imperial.
The statewide average is also heavily influenced by the number of people enrolled with each insurance company.
SelectHealth Has a Large Presence in Utah
SelectHealth is an especially important part of Utah's individual insurance market.
Its 2027 rate filing affects far more individual-market members than the other Utah carrier filings, and the Utah Insurance Department lists SelectHealth individual coverage statewide.
But a large statewide service area does not automatically mean it is the right network for every household.
Before choosing between SelectHealth and another carrier, check the specific physicians, specialists, hospitals, and prescriptions that matter to you.
Utah Provider Networks Can Be Very Different
Health insurance in Utah is closely connected with major regional health systems.
That makes provider-network comparison especially important if you use Intermountain Health, University of Utah Health, Primary Children's, or another hospital or specialty system.
Before enrolling, check:
- Your primary care physician
- Your specialists
- Your preferred hospitals
- Your regular prescriptions
- Your preferred pharmacy
- Nearby urgent care facilities
- Coverage outside Utah if you travel regularly
Travel Frequently or Need Care Outside Utah?
Network geography can matter for Utah residents who regularly travel for work, spend time in another state, or need specialty care outside their home area.
This can be particularly relevant for:
- Truck drivers and transportation workers
- Construction and trades contractors
- Technology consultants who travel
- Outdoor recreation professionals
- People with children attending school in another state
- Households that spend part of the year elsewhere
Marketplace Financial Assistance in Utah for 2027
Eligible Utah households can continue receiving federal Premium Tax Credits when purchasing qualifying coverage through HealthCare.gov.
The temporary enhanced Premium Tax Credit rules that applied through 2025 have expired.
Under the general rules now in effect, Premium Tax Credit eligibility generally requires household income between 100% and 400% of the federal poverty level, along with other eligibility requirements.
Based on the 2026 federal poverty guidelines used for 2027 Marketplace coverage, 400% of the poverty guideline is approximately:
One-Person Household
Approximately $63,840 per year.
Family of Four
Approximately $132,000 per year.
Self-Employed Health Insurance in Utah
We work with Utah technology contractors, independent business owners, real estate professionals, construction and trades workers, consultants, outdoor recreation professionals, freelancers, and other people who buy health insurance without a traditional employer plan.
Self-employed households often have another challenge: estimating annual income for Marketplace financial assistance.
Use Expected Net Business Income
Marketplace income calculations generally use expected net self-employment income after eligible business expenses rather than simply gross revenue.
Income Can Change
Contract work, commissions, real estate, business ownership, seasonal work, and bonuses can make annual income difficult to estimate.
Update Major Changes
If expected household income changes significantly, update your Marketplace application instead of waiting until the next Open Enrollment period.
Tax Planning Can Matter
Certain eligible retirement contributions, HSA contributions, and other adjustments can affect Adjusted Gross Income.
Ask your tax professional which deductions apply to your circumstances.
Planning a Pregnancy or Growing Your Family?
If pregnancy is possible during the coverage year, maternity benefits should be part of the insurance comparison before you enroll.
Marketplace Plans
ACA-compliant Marketplace plans include maternity and newborn care as essential health benefits.
Pregnancy cannot be excluded as a pre-existing condition.
Other Private Coverage
Some non-Marketplace products may use medical underwriting or exclude maternity benefits.
Review the actual policy rather than assuming pregnancy and childbirth are covered.
Health Sharing Programs
Health care sharing ministries are not insurance. Maternity-sharing rules, waiting periods, eligibility requirements, and dollar limits vary by program.
Compare the Whole Year
If you're expecting significant medical care, compare premium plus deductible, coinsurance, hospital costs, provider network, and annual out-of-pocket maximum.
Marketplace Plans vs. Other Private Health Coverage
Utah residents may also have access to health insurance and health-benefit products outside HealthCare.gov.
These products do not necessarily provide the same benefits and protections as ACA Marketplace coverage.
HealthCare.gov Marketplace Plans
- ACA-compliant major medical insurance
- Coverage for pre-existing conditions
- ACA-required essential health benefits
- Maternity and newborn coverage
- Defined annual out-of-pocket limits
- No medical underwriting for eligibility
- Premium Tax Credits for eligible households
Other Private Coverage
- May be sold outside HealthCare.gov
- Some products use medical underwriting
- Pre-existing-condition provisions may differ
- Maternity benefits may differ or be excluded
- Benefits and exclusions can differ
- Provider networks may work differently
- Marketplace Premium Tax Credits generally cannot be used
Utah Medicaid Expansion
Utah implemented full Medicaid expansion beginning in 2020.
Adult Expansion Medicaid generally covers qualifying Utah residents ages 19 through 64 with household income up to approximately 138% of the federal poverty level, subject to the program's other requirements.
Medicaid benefits can include:
- Physician services
- Hospital and emergency services
- Prescription drugs
- Laboratory and X-ray services
- Behavioral health care
- Substance-use treatment
- Maternity care
- Preventive and wellness services
Utah Medicaid Rules Change January 1, 2027
Utah is implementing several major Medicaid eligibility changes beginning January 1, 2027.
The changes primarily affect adults enrolled in:
- Adult Expansion Medicaid
- Targeted Adult Medicaid, or TAM
Three of the biggest changes involve:
Community Engagement
Certain affected adults ages 19 through 64 must meet a monthly work or community-engagement requirement unless an exclusion or exception applies.
Six-Month Reviews
Adult Expansion Medicaid and TAM members generally move from annual eligibility reviews to reviews every six months.
Shorter Retroactive Coverage
Medicaid's retroactive coverage period becomes shorter, generally changing from three months to one or two months depending on the program.
Some Members Are Excluded
The new rules do not apply in the same way to every Utah Medicaid recipient.
Utah Medicaid Community-Engagement Requirement
Beginning January 1, 2027, affected Medicaid adults generally need to complete 80 hours each month of qualifying activity unless they qualify for an exclusion or exception.
Utah lists qualifying ways to satisfy the requirement, including:
- Working a job
- Participating in job training
- Attending school at least half-time
- Volunteering or performing community service
- Combining qualifying activities to reach 80 hours
- Meeting the applicable monthly earnings standard
Utah currently lists a monthly earnings standard of at least $580 as another way an affected member may satisfy the requirement.
Special Utah Medicaid Rules for American Indian and Alaska Native Members
Utah Medicaid specifically excludes qualifying American Indian and Alaska Native members from the new 2027 community-engagement requirement.
Members with verified federal Indian, American Indian, Alaska Native, or Tribal status also continue with eligibility reviews every 12 months instead of moving to the new six-month review schedule.
What If You Lose Utah Medicaid?
Losing Medicaid can create a Special Enrollment Period for Marketplace coverage through HealthCare.gov.
This could become especially important in 2027 as six-month reviews and community-engagement rules take effect for some expansion members.
Depending on your circumstances, alternatives may include:
- A HealthCare.gov Marketplace plan
- An employer-sponsored health plan
- A spouse's employer-sponsored plan
- Other available individual coverage
Utah Open Enrollment for 2027
Utah follows the federal HealthCare.gov Open Enrollment schedule.
Open Enrollment for 2027 coverage runs from November 1, 2026 through January 15, 2027.
- November 1, 2026: Open Enrollment begins.
- December 15, 2026: Select a plan by this date for coverage beginning January 1, 2027.
- January 15, 2027: Open Enrollment ends. Coverage selected after December 15 generally begins February 1.
Leaving a Job or Losing Employer Health Insurance?
Losing qualifying job-based health coverage can create a Special Enrollment Period through HealthCare.gov.
Depending on your circumstances, compare:
- COBRA continuation coverage
- A spouse's employer-sponsored plan
- A HealthCare.gov Marketplace plan
- Utah Medicaid if eligible
- Other available individual coverage
COBRA can allow you to temporarily keep your existing employer plan, but your premium may increase substantially when the employer stops contributing toward the cost.
Utah Health Insurance for Early Retirees
Retiring before age 65 can create several years between employer-sponsored health insurance and Medicare eligibility.
Depending on your circumstances, you may compare:
- HealthCare.gov Marketplace coverage
- COBRA
- A spouse's employer-sponsored plan
- Other available private coverage
Marketplace financial assistance can make income planning particularly important because pensions, taxable retirement withdrawals, investment income, self-employment income, and other income can affect MAGI.
Small Business Health Insurance in Utah
Utah small employers have several ways to approach employee health benefits.
The Utah Insurance Department currently says medical small-employer plans will not be available through the health insurance exchange for 2027.
Small employers can instead work directly with insurance companies and licensed insurance professionals.
Depending on the business, strategies may include:
Traditional Group Coverage
Utah currently lists Regence, SelectHealth, and UnitedHealthcare companies among statewide small-employer medical insurers.
Level-Funded Coverage
Certain employers may qualify for level-funded arrangements that combine employer funding with stop-loss protection.
Underwriting, plan design, and refund provisions vary.
ICHRA
An Individual Coverage HRA can allow an employer to reimburse eligible employees for qualifying individual health insurance under applicable rules.
QSEHRA
Certain qualifying small employers that do not offer a group health plan can reimburse eligible employees for qualifying individual premiums and medical expenses.
How We Help Utah Residents
Self-Employed & 1099 Workers
Technology contractors, real estate professionals, independent sales professionals, construction workers, tradespeople, outdoor recreation professionals, consultants, freelancers, and other independent workers.
Individuals & Families
We compare premiums, deductibles, provider networks, prescriptions, Marketplace financial assistance, maternity considerations, and other available coverage.
People Paying Full Price
If you don't qualify for Marketplace Premium Tax Credits, we can compare full-price Marketplace coverage with other available options.
People Losing Medicaid
If your Utah Medicaid coverage ends because of income, renewal, or eligibility changes, we can help explain your Marketplace and other coverage options.
Early Retirees
We help people who need coverage before Medicare compare Marketplace coverage, COBRA, spouse coverage, and other available options.
Small Business Owners
We can discuss traditional group plans, level-funded arrangements, ICHRAs, QSEHRAs, and additional employee benefits.
Serving Clients Across Utah
We work with Utah residents by phone and video, so you don't need to live near a local insurance office.
Salt Lake City, West Valley City, West Jordan, Sandy, South Jordan, Draper, Herriman, Murray, Millcreek and surrounding communities
Provo, Orem, Lehi, American Fork, Pleasant Grove, Spanish Fork and surrounding communities
Ogden, Layton, Bountiful, Logan, Brigham City and surrounding communities
St. George, Washington, Cedar City and surrounding communities
Park City, Heber City, Midway and surrounding communities
We work with clients throughout Utah's smaller cities, towns, and rural communities by phone and video
Official Utah Health Insurance Resources
HealthCare.gov
Marketplace enrollment, Premium Tax Credits,
plan comparison, and Special Enrollment Periods.
Visit HealthCare.gov →
Utah Insurance Department
2027 individual insurers, county service areas,
rate information, and insurance consumer resources.
Visit Utah Insurance Department →
Utah Health Insurance Transparency
Compare individual plans and review health insurance
rate information filed with the state.
Visit Utah Health Insurance Transparency →
Utah Medicaid
Medicaid eligibility, Adult Expansion coverage,
applications, and 2027 eligibility changes.
Visit Utah Medicaid →
Common Questions About Utah Health Insurance
Does Utah use HealthCare.gov?
Yes. Utah uses the federally facilitated Marketplace at HealthCare.gov for individual and family Marketplace coverage.
How many health insurance companies are in Utah's individual market for 2027?
The Utah Insurance Department currently lists six individual health insurers for 2027: BridgeSpan, Imperial, Molina, Regence, SelectHealth, and University of Utah Health Plans.
Are all six available through HealthCare.gov?
No. The Utah Insurance Department currently lists Molina Healthcare of Utah as off-exchange only for 2027.
That leaves five current individual insurers listed for exchange participation, with availability varying by county.
Which Utah Marketplace insurer is available statewide?
The Utah Insurance Department currently lists SelectHealth individual coverage as statewide.
Other carriers have defined county service areas.
How much are Utah health insurance premiums increasing in 2027?
Approved individual-market rates are increasing by a weighted average of approximately 6.7% before Marketplace financial assistance.
Your actual premium change can be higher or lower.
Which Utah insurer has the smallest approved increase?
Regence BlueCross BlueShield of Utah has an approved average increase of approximately 3.9%.
That does not necessarily make Regence the lowest-cost or most appropriate choice for every household.
Which Utah insurer has the largest approved increase?
Imperial Health Plan's approved average increase is approximately 15.8%, while University of Utah Health Plans is approximately 15.4%.
These are carrier averages rather than personal quotes.
When is Utah Open Enrollment for 2027?
Open Enrollment runs from November 1, 2026 through January 15, 2027.
Select a plan by December 15, 2026 for coverage beginning January 1, 2027.
What is the income limit for Marketplace Premium Tax Credits in 2027?
Premium Tax Credit eligibility generally returns to the 100% through 400% federal poverty level range, subject to the other eligibility requirements.
Based on the applicable poverty guidelines, 400% is approximately $63,840 for one person and $132,000 for a household of four.
Do Utah Marketplace plans cover pregnancy?
Yes. ACA-compliant Marketplace plans include maternity and newborn care as essential health benefits.
Other non-Marketplace products may have different maternity provisions, so check the policy carefully.
Did Utah expand Medicaid?
Yes. Utah implemented full Medicaid expansion beginning in 2020.
Qualifying adults ages 19 through 64 can generally qualify up to approximately 138% of the federal poverty level, subject to other program requirements.
Does Utah Medicaid have a work requirement in 2027?
Beginning January 1, 2027, certain adults enrolled in Adult Expansion Medicaid or Targeted Adult Medicaid must meet a community-engagement requirement unless an exclusion or exception applies.
The general requirement is 80 hours per month of qualifying work, school, job training, volunteering, or a combination of activities.
Do Utah Medicaid renewals change in 2027?
Yes. Adult Expansion Medicaid and Targeted Adult Medicaid members generally move to eligibility reviews every six months beginning in 2027.
Are American Indian and Alaska Native members exempt from the new Utah Medicaid rules?
Utah says verified American Indian and Alaska Native members are excluded from the new community-engagement requirement and continue with 12-month eligibility reviews.
Can self-employed people get Marketplace insurance in Utah?
Yes. Self-employed Utah residents can purchase individual coverage through HealthCare.gov and may qualify for Premium Tax Credits if they meet the applicable requirements.
Can I get Utah health insurance outside Open Enrollment?
Possibly. Marketplace enrollment outside Open Enrollment generally requires a Special Enrollment Period after a qualifying event such as losing coverage, getting married, having a baby, or certain moves.
Utah Medicaid accepts applications throughout the year. Other types of health coverage may have different enrollment rules.
Is private health insurance cheaper than HealthCare.gov?
It depends on the applicant and the type of coverage.
Some non-Marketplace products may have lower premiums for certain eligible applicants, but benefits, medical underwriting, exclusions, provider networks, maternity benefits, and pre-existing-condition provisions can differ.
Compare the actual coverage rather than choosing based only on monthly premium.
Can you check whether my doctors are in network?
Yes. Give us the names of your doctors, specialists, preferred hospitals, prescriptions, and pharmacy when we compare your options.
Can you help me if your office is in Arizona?
Yes. We are licensed in Utah and work with Utah clients remotely by phone and video.
Compare Your Utah Health Insurance Options for 2027
Utah's overall rate increase is relatively moderate, but premiums, carrier availability, provider networks, Marketplace financial assistance, and Medicaid rules are all changing for 2027.
We'll help you compare available options, check your doctors and prescriptions, and understand the costs and coverage before you choose.
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