Health Insurance Plans in Utah
Browse ACA Marketplace plans available to Utah residents on the federal exchange. 49 plans available for 2026. Starting from $444/month.
Lowest Monthly Premium
$444/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$498/mo
14 plans available
Avg Silver (Benchmark)
$637/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Salt Lake City, UT
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$498/mo avg
from $444 – $598
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$637/mo avg
from $526 – $757
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$718/mo avg
from $607 – $843
Highest premiums, lowest out-of-pocket costs. Ideal for frequent, predictable care.
$1017/mo avg
from $864 – $1182
Lowest-Premium Plans Available
Sample plans near Salt Lake City — enter your ZIP for exact results
Value Expanded Bronze 6900 Medical Deductible
Select Health
$444/mo
Ded: $6,900
U Health Plus Bronze
University of Utah Health Plans
$456/mo
Ded: $9,000
Value Benchmark Expanded Bronze Select Copay Plan
Select Health
$464/mo
Ded: $0
U Health Plus Expanded Bronze Standard
University of Utah Health Plans
$472/mo
Ded: $7,500
Imperial Standard Bronze
Imperial Health Plan of the Southwest, Inc.
$475/mo
Ded: $7,500
Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
Regence BlueCross BlueShield of Utah
$480/mo
Ded: $9,000
Healthy Premier Bronze HSA
University of Utah Health Plans
$482/mo
Ded: $8,500
Healthy Premier Expanded Bronze Standard
University of Utah Health Plans
$495/mo
Ded: $7,500
Bronze 8000
Regence BlueCross BlueShield of Utah
$498/mo
Ded: $8,000
Regence Standard Bronze 7500
Regence BlueCross BlueShield of Utah
$517/mo
Ded: $7,500
Prices shown are for a 30-year-old near Salt Lake City without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Utah?
Approximately 49 ACA Marketplace plans are available in Utah for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Utah?
For a 30-year-old without subsidies, the cheapest plan near Salt Lake City starts at about $444/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Utah use HealthCare.gov?
Yes — Utah is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Utah averages $637/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Utah
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.