Health insurance in Utah is sold through Federal (Healthcare.gov), with an estimated 35-60 plans available for 2026. The average Silver-tier premium is $440/mo before subsidies for a 40-year-old non-smoker. Medicaid status: Expanded.
Marketplace
Federal HC.gov
Federal (Healthcare.gov)
Avg Silver Premium
$440/mo
Before tax credits, age 40
Medicaid
Expanded
Affordable Care Act status
| Field | Value | Notes |
|---|---|---|
| Marketplace | Federal (Healthcare.gov) | Apply via Healthcare.gov |
| Open Enrollment 2026 | Nov 1, 2025 – Jan 15, 2026 | Special enrollment for QLEs year-round |
| Plans available | 35-60 | Bronze/Silver/Gold/Platinum tiers |
| Medicaid expansion | Expanded | Up to 138% FPL |
Premium and plan counts are estimates for 2026 based on prior-year filings and pending rate approvals. Always verify pricing on the marketplace itself before enrolling.
Utah's ACA marketplace offers 35–60 plans statewide, with SelectHealth (the Intermountain Health system's insurer) as the dominant carrier. Aetna and Molina provide competition in the Salt Lake City and Provo metros. Silver premiums average $430–$450/month for a 40-year-old before subsidies. Rural Utah — particularly in the east and south — has very limited insurer and provider access. The Wasatch Front (Salt Lake-Provo corridor) accounts for the majority of marketplace enrollment. Utah uses Healthcare.gov for marketplace enrollment.
Utah's Medicaid expansion history was contentious. Voters approved full expansion by ballot initiative in November 2018, but the Republican legislature amended it to a limited expansion covering only adults up to 100% FPL. After legal challenges and federal pressure, Utah implemented full ACA expansion (to 138% FPL) in January 2020. The expansion has covered approximately 50,000 Utahns. Utah has no state-based exchange or reinsurance program. The state's Mormon cultural emphasis on self-reliance has historically contributed to political resistance to public coverage programs, though practical coverage needs have driven broad utilization.
Leading 2026 ACA carriers in Utah: SelectHealth (Intermountain), Aetna/CVS, Molina Healthcare. Plan selection and network breadth vary widely by ZIP code — use the marketplace's plan-finder tool with your ZIP and household income for accurate availability.
Utah voters approved Medicaid expansion by ballot initiative in 2018, but the legislature initially amended it to a limited expansion; full expansion finally took effect in 2020.
Utah expanded Medicaid under the ACA. Adults under 138% of the Federal Poverty Level (FPL) qualify — about $20,800/yr for an individual or $43,000/yr for a family of 4 in 2026.
💡 Utah Pro Tip
Utah uses the federal marketplace at Healthcare.gov. The state does not operate its own exchange.
A 40-year-old non-smoker in Utah typically pays about $430–$450/month for a Silver plan before subsidies.
Yes. Utah fully expanded Medicaid to 138% FPL in January 2020 after a contentious ballot initiative and legislative battle.
Marketplace data sourced from state and federal exchange filings for Utah, April 2026. Premium estimates are 2026-projected.
Jennifer Walsh
Editorial Lead, Health & Medicare
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed April 2026
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