Health Insurance

Best Cheap Health Insurance in Utah 2022

Best Cheap Health Insurance in Utah 2022

Find Cheap Health Insurance Quotes in Utah

Currently insured?

If you are looking for health insurance, you can find cheap policies on the Utah health insurance exchange. We researched policies in the state and found that Value Benchmark Silver 6500 and Med Benchmark Silver 6500, both from SelectHealth, are the cheapest Silver health insurance plans offered in most counties.

For a 2022 health plan, the average premium across all tiers is $445 per month in Utah for a 40-year-old. This average rate is 2% less than in 2021.

Utah lawmakers also expanded Medicaid, so this is another coverage option if your income falls below 138% of the federal poverty level.

Utah has six insurers offering health policies in the state, and two provide coverage in all counties: SelectHealth and University of Utah Health Insurance plans. This means residents will have plenty of options when selecting coverage.

Cheapest health insurance by metal tier

We compared all the plans offered on the Utah marketplace and identified the most affordable health insurance policies at every level of coverage. The table below shows each metal tier, along with its corresponding cheapest plan, deductible, out-of-pocket maximum and monthly cost for a 40-year-old.

Metal tier
Cheapest plan
Monthly cost
Maximum out-of-pocket
CatastrophicValue Catastrophic 8700$265$8,700$8,700
BronzeValue Benchmark Bronze 8700$291$8,700$8,700
Bronze ExpandedValue Benchmark Expanded Bronze 6800$301$6,800$8,700
SilverValue Benchmark Silver 6500 - no deductible for office visits$465$6,500$8,550
GoldConfident Care Gold 1$510$2,100$8,550

Health insurance in Utah is divided into five metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver and Gold. All tiers have different average prices, deductibles and out-of-pocket maximums. Furthermore, each metal tier has multiple policy options.

The graph below shows the average cost of health insurance based on the metal tier for policyholders ages 21, 40 and 60. As you can see, costs increase as you get older. For a Silver health care plan, a 40-year-old will pay 48% more on average than a 21-year-old for the same level of coverage. A 60-year-old will pay 103% more than a 40-year-old for the same health plan.

chart Utah health insurance cost by age and metal tier

Finding the best health insurance coverage in Utah

The Utah health insurance marketplace offers a variety of plans, but the best health insurance plan for you will depend on your income level and expected health care needs, in addition to a policy's cost. It is important to evaluate your personal health and financial situation first before selecting a policy to purchase.

Gold metal plans: Best for high expected medical costs

Gold health insurance policies have the highest premiums but also provide the most financial coverage if you have high medical costs. This is due to the low deductible for Gold metal plans, as the health insurance provider pays a larger portion of medical expenses.

For example, if you use prescription drugs and need refills often, a Gold plan would work well because you will meet the deductible quickly.

The cheapest Gold plan in Utah is Confident Care Gold 1. Compare all tiers in Utah above.

Silver metal plans: A good middle ground for premiums and deductible

Silver plans are a great option if you know you will have medical expenses. Premiums and deductibles for a Silver plan offer a middle ground between Gold and Bronze policies. All policies in Utah, except for Catastrophic, offer premium tax credits.

However, Silver plans allow for extra cost-sharing reductions (CSR). Anyone with income below 250% of the federal poverty level can receive CSR subsidies on copayments and deductibles. This is a great feature of Silver plans that offers better benefits than Gold plans but at a lower cost.

The cheapest Silver plan in Utah is Value Benchmark Silver 6500. Compare all tiers in Utah above.

Bronze and Catastrophic: Best for young, healthier households

Bronze and Catastrophic health plans have the lowest rates in Utah, but this can come at a cost due to the high deductible. The deductibles for these tiers will often be set at the maximum limit allowed, so you must first spend thousands of dollars before any coverage benefits begin.

Catastrophic plans are also only available if you are under 30 or qualify for a hardship exemption. Additionally, you cannot qualify for a premium tax credit to reduce the costs.

The cheapest Bronze plan in Utah is Value Benchmark Bronze 8700. The cheapest Catastrophic plan in Utah is Value Catastrophic 8700. Compare all tiers in Utah above.

Short-term health insurance in Utah

In Utah, you can buy a short-term health insurance policy through private insurers at any point during the year. The state allows a maximum coverage term of one year and allows policies to be renewed up to 36 months if the policies are renewable.

Although short-term health insurance covers many health care treatments, it does not necessarily cover all essential health benefits. Therefore, you should make sure a short-term plan will provide sufficient coverage before purchasing one.

Find Cheap Health Insurance Quotes in Your Area

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Best cheap health insurance companies in Utah

In Utah, six health insurance companies currently provide coverage on the state exchange:

  • BridgeSpan Health Co.
  • Cigna Health and Life Insurance Co.
  • Molina Healthcare of Utah
  • Regence BlueCross BlueShield of Utah
  • SelectHealth
  • University of Utah Health Insurance Plans

Depending on where you live, the selection of insurers and policies will vary. In Weber County, for example, all six insurers offer a variety of policies. But in Emery County, Cigna Health and Life Insurance Co. and Molina Healthcare of Utah are not available. You should review each plan's premiums, deductibles and benefits before purchasing coverage.

Cheapest Silver plan by county

To help you begin your health insurance search, we identified the cheapest Silver plans for each county in Utah. The table below shows the name of the Silver policy, along with the rates for a 40-year-old single adult, a couple and a family of three.

County name
Cheapest plan
Age 40
Couple, age 40
Couple, age 40 & child
BeaverMed Benchmark Silver 6500 - no deductible for office visits$526$1,051$1,333
Box ElderValue Benchmark Silver 6500 - no deductible for office visits$465$930$1,180
CacheConstant Care Silver 4$507$1,014$1,285
CarbonSilver 6500$512$1,025$1,299
DaggettSilver 6500$512$1,025$1,299
DavisValue Benchmark Silver 6500 - no deductible for office visits$465$930$1,180
DuchesneSilver 6500$512$1,025$1,299
EmerySilver 6500$512$1,025$1,299
GarfieldMed Benchmark Silver 6500 - no deductible for office visits$526$1,051$1,333
GrandMed Benchmark Silver 6500 - no deductible for office visits$526$1,051$1,333
IronConstant Care Silver 4$507$1,014$1,285
JuabSilver 6500$512$1,025$1,299
Show All Rows

Average cost of health insurance by family size in Utah

Health insurance costs primarily depend on the age of the people insured under the policy. For example, in Utah, if you want to add a 40-year-old adult to a health insurance policy, it would cost $563 on average, while adding a child would cost $302. Below, we have provided the average cost of health insurance depending on the size of the family covered under the plan.

Family size
Average cost
Individual + Child$865
Couple Age 40$1,126
Family of three (Adult couple and a child)$1,428
Family of four (Adult couple and two children)$1,730
Family of five (Adult couple and three children)$2,032

Adults are assumed to be 40 years old. Children are assumed to be 14 or younger. Sample rates are based on the average cost for a Silver plan in Utah.

Health insurance rate changes in Utah

Policy premiums are set by individual health companies in Utah. Once the rates are determined, they are sent to the health insurance exchange for approval.

The average cost of a health plan in Utah is 2% cheaper in 2022 than in 2021 — a decrease of $10 per month for the average 40-year-old. The cost of Gold plans dropped by 6%, and Bronze premiums are 4% lower in 2022. Catastrophic and Bronze Expanded rates each increased by 1%. The average monthly cost of a Silver health plan in Utah is nearly the same in 2022 as it was in 2021.

Metal tier
Change 2022 vs. 2021
Bronze Expanded$428$406$4101%

Rates are based on a 40-year-old adult.


The Utah health insurance rates and plan data used in this analysis were sourced from the CMS (Centers for Medicare & Medicaid Services) website. We used the Public Use Files (PUF) from the CMS to calculate the mean rates for Utah residents across multiple variables, such as metal tier, family size and county. Plans and providers for which county-level data was included in the CMS’ Crosswalk file were used in our analysis; those excluded from this dataset may not appear.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.