Health Insurance in Park City Area — Northern Utah, UT — 2026 Plans & Premiums
34 ACA marketplace plans are available in Park City Area — Northern Utah, UT, from 4 insurers. The cheapest plan starts at $444.01/month before subsidies.
Insurers price these 2 counties identically, so plan availability and premiums below apply to all of them:
- Summit County
- Tooele County
34
Plans Available
$444.01
Cheapest Plan/mo
4
Insurers
HealthCare.gov
Exchange
Insurers Serving Park City Area — Northern Utah
Plans Available in Park City Area — Northern Utah
Sorted by monthly premium · 30-year-old · Before subsidies
Value Expanded Bronze 6900 Medical Deductible
Select Health
$444.01/mo
Ded: $6,900
Value Benchmark Expanded Bronze Select Copay Plan
Select Health
$463.87/mo
Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
Regence BlueCross BlueShield of Utah
$480.11/mo
Ded: $9,000
Healthy Premier Bronze HSA
University of Utah Health Plans
$481.90/mo
Ded: $8,500
Healthy Premier Expanded Bronze Standard
University of Utah Health Plans
$495.07/mo
Ded: $7,500
Bronze 8000
Regence BlueCross BlueShield of Utah
$498.02/mo
Ded: $8,000
Regence Standard Bronze 7500
Regence BlueCross BlueShield of Utah
$517.06/mo
Ded: $7,500
BridgeSpan Standard Bronze Plan
BridgeSpan Health Company
$523.56/mo
Ded: $7,500
Average Premiums in Park City Area — Northern Utah
Avg Bronze Plan
$506/mo
11 plans
Avg Silver (Subsidy Benchmark)
$659/mo
Eligible for CSR cost reductions
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Compare plansFrequently asked questions about ACA insurance in Utah
Which counties does this Utah health insurance page cover?
This page covers 2 Utah counties: Summit County, Tooele County. Insurers offer the same plans at the same premiums across all of them, so the 34 plans and $444.01/month starting price shown here apply to every one.
What is the health insurance marketplace in Utah?
The Utah (UT) health insurance marketplace is the federal ACA Marketplace at HealthCare.gov, operated by the federal government. Policymage lists 34 Utah plans with live marketplace premium data. Open Enrollment runs November 1 through January 15.
How do I compare health insurance plans in Utah?
Use policymage.com/get-quotes: enter your ZIP code, household ages, and income. Policymage fetches ACA Marketplace plans for your county, calculates APTC subsidies, and lets you compare up to 3 plans side-by-side on premium, deductible, network, and benefits. Free, no account, no broker bias. Plans in Utah start from $444.01/month before subsidies.
Which Medicaid plan is best in Utah?
There is no single "best" Medicaid plan in Utah — Medicaid is administered through MCOs such as Regence BlueCross BlueShield, SelectHealth, Molina Healthcare. The right plan depends on your county, doctors, and prescriptions. Medicaid (income up to 138% FPL, ~$21,597/year for an individual) is separate from ACA Marketplace plans at HealthCare.gov. Apply year-round through your state Medicaid office.
Is short-term health insurance available in Utah?
Short-term health insurance is sold outside the ACA Marketplace in Utah by private insurers. These plans are not ACA-compliant: they can exclude pre-existing conditions, skip Essential Health Benefits, and lack guaranteed renewal. For comprehensive coverage with subsidies, enroll in an ACA Marketplace plan at HealthCare.gov during Open Enrollment (Nov 1–January 15). See policymage.com/faq for more on short-term vs ACA plans.
How much is health insurance in UT?
Health insurance in UT starts as low as $444.01/month for a 30-year-old on a Bronze plan before subsidies. Most Utah residents who qualify for APTC pay significantly less — some as low as $0/month for a Silver plan.
What is the cheapest health insurance option in UT for 2026?
The cheapest ACA option in UT for 2026 is typically a Bronze-tier plan or, for residents under 30, a catastrophic plan — both carry the lowest monthly premium in exchange for a higher deductible. Compare exact Utah plans and prices at policymage.com/get-quotes.
When does Open Enrollment end in Utah for ACA plans?
Open Enrollment for Utah residents runs from November 1 through January 15. Utah uses the federal Marketplace at HealthCare.gov, which has a January 15 deadline. Outside Open Enrollment, you need a Qualifying Life Event to enroll in a Special Enrollment Period.
How much does ACA health insurance cost in Utah?
Bronze-tier plans in Utah start as low as $444.01/month for a 30-year-old before subsidies. With APTC tax credits, many Utah residents pay $0–$50/month for Bronze coverage. Costs vary by age, county, tobacco use, and household size.
Does Utah use HealthCare.gov or its own state exchange?
Utah uses the federal Health Insurance Marketplace at HealthCare.gov. The federal government (CMS) operates the exchange, processes applications, and calculates subsidies for Utah residents.
Has Utah expanded Medicaid under the ACA?
Yes. Utah has expanded Medicaid, so adults with household income up to 138% of the Federal Poverty Level (approximately $21,597/year for an individual) qualify for free or very low-cost Medicaid. There's no Open Enrollment window — you can apply year-round.
What are the income limits for ACA subsidies in Utah?
Premium Tax Credit eligibility starts at 100% of the Federal Poverty Level — about $15,650/year for an individual or $32,300/year for a family of 4. Utah residents above 400% FPL still qualify if benchmark Silver costs more than 8.5% of their income. Use the HealthCare.gov subsidy calculator for your exact estimate.
What are the metal tiers in Utah (Bronze, Silver, Gold, Platinum)?
Utah ACA plans come in four metal tiers based on actuarial value (the percentage of medical costs the plan covers on average): Bronze (~60%), Silver (~70%), Gold (~80%), and Platinum (~90%). Bronze has the lowest premium and highest deductible; Platinum has the highest premium and lowest deductible. Silver is the "benchmark" tier used to calculate APTC subsidies, and it's the only tier eligible for Cost-Sharing Reductions if you qualify by income.
Are HSA-eligible plans available in Utah?
Yes. HSA-eligible High-Deductible Health Plans (HDHPs) are available in Utah through HealthCare.gov. For 2026, HDHPs must have a deductible of at least $1,650 (individual) or $3,300 (family), and you can contribute up to $4,300 (individual) or $8,550 (family) to your HSA pre-tax. HSA contributions roll over year-to-year and can be invested.
Do Utah ACA plans cover dental and vision?
Utah ACA Marketplace plans for adults include preventive care, mental health, prescriptions, hospitalization, and the 10 Essential Health Benefits — but adult dental and vision are not federally required. Most Utah plans cover pediatric dental and vision automatically. For adult dental/vision, you typically buy a separate standalone plan through HealthCare.gov or directly from an insurer.
What is a Qualifying Life Event for Special Enrollment in Utah?
Outside Open Enrollment, Utah residents can enroll in or change ACA plans within 60 days of a Qualifying Life Event: loss of other health coverage, marriage or divorce, birth or adoption of a child, moving to a new county or state, a change in income that affects subsidy eligibility, becoming a US citizen, or release from incarceration. Have documentation ready when applying through HealthCare.gov.
How do I find in-network doctors and hospitals in Utah?
Each Utah ACA plan has its own provider network. Before enrolling, look up the plan on HealthCare.gov, click the carrier name to access their provider directory, and search for your specific doctors and preferred hospitals by name. Out-of-network care typically isn't covered (HMO plans) or costs significantly more (PPO plans). If you have an existing provider relationship, network match is usually more important than the lowest premium.
Find the Right Plan in Park City Area — Northern Utah
Enter your ZIP code, age, and income to see all plans available to you — with your actual subsidy applied, or see how Park City Area — Northern Utah compares to the Utah state average.
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