Health insurance for Utahns who buy their own.
We help Utahns who buy their own health coverage, whether you left a job, work for yourself or retired before 65, compare Marketplace plans, Medicaid eligibility and other options in plain terms.
Utah plans we compare
What’s different about health insurance in Utah.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Utah FAQ- Utah uses the federal Marketplace. Open enrollment for 2027 runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for a January 1 start.
- The extra federal premium help ended after 2025, so households above 400% of the federal poverty level get no premium tax credit in 2026.
- Six insurers sell Marketplace plans for 2026 and 2027. Aetna left after 2025, and Molina now sells in only two southwest Utah counties.
- Approved 2027 rates rise about 6.7% on average before subsidies, from about 3.9% for Regence to about 15.8% for Imperial.
- Adult Expansion Medicaid covers adults 19 to 64 up to 138% of the poverty level. New work or activity rules start January 1, 2027.
- Utah's mini-COBRA gives up to 12 months of continued coverage from smaller employers, and short-term plans can last up to 36 months.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Utah's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Utah, and what to use instead.
Learn moreWho sells plans in Utah
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Utah FAQ, or ask an agent at (888) 214-4898.
Open enrollment runs November 1, 2026 to January 15, 2027. Pick a plan by December 15 if you want coverage to start January 1; plans chosen later in the window start February 1. After January 15 you need a qualifying life event, such as losing other coverage.
No. Utah uses the federal Marketplace at HealthCare.gov. You can apply there yourself or work with a licensed agent who can compare Marketplace plans for you.
According to KFF, the average benchmark Silver premium for a 40-year-old in Utah is $640 a month in 2026, up from $547 in 2025. Your price depends on age, county and plan, and most enrollees pay much less after the premium tax credit.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Utah county, check your subsidy, and walk you through the options. No cost, no obligation.