Utah has 230,000+ ACA marketplace enrollees. Compare Utah health insurance plans, estimate your subsidy, and understand your options. Free, unbiased, and takes 2 minutes.
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This search surfaces our written guides. It doesn't replace advice from a licensed insurance producer.
A licensed Utah agent will review your options and help you compare ACA Marketplace plans at no cost to you.
Utah residents enroll through HealthCare.gov, the federal marketplace. Missing key deadlines can mean waiting months for coverage.
The ACA Marketplace opens for new enrollments and plan changes for the 2027 coverage year.
Enroll by December 15 to have your plan start on January 1, 2027. The most-used deadline.
The final day of Open Enrollment. Plans start February 1, 2027. After this, a qualifying life event is required.
Lost coverage? Changed jobs? Moved? Qualifying life events open a 60-day Special Enrollment Period any time of year.
Find out if you qualify for Advanced Premium Tax Credits (APTC) that lower your monthly premium in Utah.
These are the primary insurance companies offering ACA Marketplace plans in Utah. Availability varies by county and zip code.
Utah's largest health insurer, operated by Intermountain Health, offering broad statewide Marketplace coverage.
Affordable Marketplace plans designed for low-to-moderate income Utah individuals and families.
A Utah-based carrier offering competitive ACA Marketplace plans through a network of local providers.
Offers health plan options for Utah members and eligible individuals through select Marketplace arrangements.
National carrier with Utah Marketplace plan offerings in select Wasatch Front counties.
National insurer offering Marketplace plan options in the Salt Lake City and Utah metro markets.
Answers to the most common questions about ACA health insurance in Utah.
No. Utah uses the federal marketplace at HealthCare.gov for individual ACA plan enrollment. Unlike some states, Utah uses the federally-facilitated exchange. You can compare plans and apply for Premium Tax Credits directly at HealthCare.gov.
Yes. Utah expanded Medicaid in 2020 through Proposition 3 (with modifications). Utah residents earning up to 138% of the Federal Poverty Level (about $22,025 for a single person in 2026) may qualify for Utah Medicaid at little or no cost.
Premium Tax Credits are available to Utah residents earning above 138% of the FPL (since those below qualify for Medicaid expansion). There is no strict upper income cap — anyone paying more than 8.5% of income on the benchmark Silver plan may qualify for some subsidy.
SelectHealth is operated by Intermountain Health, one of Utah's largest hospital and clinic networks. Because SelectHealth plans are tied to Intermountain's extensive provider network, they offer broad access to doctors and hospitals across the state — making them a popular choice for Utah families.
Your deductible is the amount you pay for covered services before insurance starts paying. Your out-of-pocket maximum is the most you pay in a year — once you hit it, insurance covers 100% of covered costs. For 2026, the ACA out-of-pocket maximum is $9,200 for an individual and $18,400 for a family.
A Special Enrollment Period (SEP) lets you enroll in or change a Marketplace plan outside of Open Enrollment if you have a qualifying life event. Events include losing other health coverage, getting married, having a baby, moving to a new area, or turning 26. You typically have 60 days from the event to enroll.
At the federal level, the individual mandate penalty was reduced to $0 in 2019. Utah does not have a state-level penalty either. However, going without insurance means paying 100% of all medical costs out of pocket — even a short hospital stay can cost tens of thousands of dollars without coverage.
ACA plan availability, carrier options, and costs vary by county. Select your county for local plan data, carrier listings, and subsidy estimates specific to where you live.
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29 Utah counties have a dedicated page live today. More are added regularly.