Best Cheap Health Insurance in Utah (2026)
Select Health sells the best cheap health insurance in Utah, with Silver plan rates starting at $559 per month before discounts.
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Best and cheapest health insurance in Utah
Cheapest health insurance companies in Utah
Select Health, University of Utah Health Plans and Regence BlueCross BlueShield have the cheapest Silver health plans in Utah, with rates starting at $559 per month before discounts.
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Affordable health insurance in Utah
Company |
Cost
| |
|---|---|---|
| Select Health | $559-$1,125 |
| University of Utah Health Plans | $608-$1,070 |
| Regence BlueCross BlueShield | $649-$908 |
| Imperial Health Plan | $667-$702 |
- Select Health has the most affordable coverage everywhere in Utah, with Silver plans starting at $559 per month. That includes the state's biggest cities like Salt Lake City, Provo and Orem.
- Select Health is the most popular health insurance company in Utah. The company sells about 7 out of 10 health insurance plans in the state.
Aetna will no longer sell plans on HealthCare.gov starting in 2026.
Current Aetna customers will need to choose a new plan and company during open enrollment (Nov. 1 to Jan. 15). The best alternative to Aetna on the Utah health exchange is Select Health because of its cheap rates and quality service.
Lowest deductibles: University of Utah Health Plans
University of Utah Health Plans lets you pay the least for your medical care.
That's because it has the lowest deductibles and out-of-pocket maximums, on average, of any company in Utah.
The company's Silver plans have an average deductible of $5,571, which is cheaper than the average of $6,005 in the state. And the out-of-pocket maximum averages $7,950, compared to an average of $8,844 for all companies in Utah.
Best health insurance companies in Utah
Select Health has the best health insurance plans in Utah for most people because of its affordable rates and high customer satisfaction.
Select Health has a strong 4-out-of-5 star rating from HealthCare.gov. Plus, Select Health gets far fewer complaints than an average company its size.
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Best-rated health insurance companies in Utah
Company |
ACA rating
|
VP rating
|
|---|---|---|
| Select Health | ||
| Regence BlueCross BlueShield of Utah | ||
| Molina | ||
| BridgeSpan | N/A | |
| Imperial Health Plan | N/A |
University of Utah Health Plans also has a 4-star rating from HealthCare.gov. However, its plans aren't as cheap as Select Health's plans.
Best in Utah for flexible coverage: Regence BlueCross BlueShield
Regence plans let you see 95% of all doctors and go to 96% of all hospitals in the country.
If you travel often, a plan from Regence could be a good option. If you are injured or get sick when you're away from home, you'll likely still be able to find a doctor near you who takes your insurance.
However, Regence plans are more expensive than plans from most other companies in Utah. The cheapest Silver plan from Regence costs $649 per month. That's $90 per month more than the cheapest plan from Select Health. But if you travel often and value peace of mind, the extra cost could be worth it.
What's the cost of health insurance in Utah?
In Utah, health insurance costs an average of $821 per month at full price or could be around $203 per month if you qualify for discounts because of your income.
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- Your age and the plan tier you choose have the biggest impact on how much you pay for health insurance in Utah.
- Higher plan tiers have expensive rates, but you pay less when you get medical care. In contrast, lower plan tiers have cheap rates, but you pay a large portion of the bill when you go to the hospital.
- Health insurance rates get more expensive as you grow older. Rates are cheap in your 20s and 30s before rising sharply as you enter middle age. A 60-year-old in Utah pays more than twice as much as a 40-year-old for the same level of coverage.
Health insurance discount changes in Utah for 2026
Health insurance in Utah is expected to cost around $203 per month with discounts.
That's more than twice the price in 2025, when you could expect to pay around $101 per month if you got subsidies. The increase is because at the end of 2025, the bigger discounts that were put in place in 2021 are expiring.
Congress is still debating whether or not to extend them or change subsidies in 2026. But if Congress doesn't act, discounts will roll back to their pre-2021 levels, which weren't as good.
Health insurance rates in Utah after subsidies (2025 vs. 2026)
Income | 2025 rate | 2026 rate | Difference |
|---|---|---|---|
| $30,000 | $49 | $155 | 216% |
| $40,000 | $154 | $287 | 86% |
| $50,000 | $283 | $415 | 47% |
| $60,000 | $423 | $498 | 18% |
| $70,000 | $496 | $640 | 29% |
Average cost after subsidies for a single 40-year-old with a Benchmark Silver plan.
- To qualify, you have to make between $15,650 and $62,600 per year as a single person or between $32,150 and $128,600 per year as a family of four. But if you qualify for Medicaid, you can't get subsidies.
- If you get subsidies, you can choose to have your monthly rate discounted, or you can get the full subsidy as a refund on your federal income taxes. You can use subsidies with any Bronze, Silver, Gold or Platinum plan bought through the Utah health insurance marketplace.
Cheap Utah health insurance plans by city
Select Health has the cheapest health insurance throughout Utah, including in Salt Lake City, Provo and Orem.
But just because Select Health is the cheapest on average doesn't mean it's the right option for you. Always review all your plan options and pick the one that best fits both your medical needs and your budget.
Cheapest health insurance plans by UT county
County | Cheapest plan | Monthly rates |
|---|---|---|
| Beaver | Select Health Med Benchmark Silver 6000 | $798 |
| Box Elder | Select Health Value Benchmark Silver 5900 | $602 |
| Cache | Select Health Med Benchmark Silver 6000 | $768 |
| Carbon | Select Health Med Benchmark Silver 6000 | $798 |
| Daggett | Select Health Med Benchmark Silver 6000 | $798 |
Cheapest Silver plan with rates for a 40-year-old
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Best health insurance by coverage level
The best health insurance plan level for you depends on your finances and the amount of medical care you expect to use in the coming year. Higher plan tiers have expensive monthly costs, but you'll save money if you need a lot of care. Lower plan tiers have cheap rates, but you'll pay a larger portion of the bill when you visit the doctor.
Platinum plans: Best for expensive medical needs
| Platinum plans pay for about 90% of your medical care. |
Platinum plans cost $1,290 per month in Utah, on average, and they don't have a deductible.
Platinum health insurance plans have the highest average premiums of any plan tier. However, you can get coverage straight away with a Platinum health plan. In Utah, all Platinum health plans have a $0 deductible.
In addition, Platinum plans limit the amount you pay when you visit the doctor, with cheaper copays and coinsurance and a low cap on how much you'll pay out of pocket in a single year, called an out-of-pocket maximum.
Gold plans: Best for frequent medical care
| Gold plans pay for about 80% of your medical care. |
Gold plans in Utah cost $923 per month and have a $1,956 deductible, on average.
Gold plans are a good choice if you have a chronic illness or you visit the doctor often. These plans have high monthly rates but low deductibles, which means coverage starts quickly.
Gold plans also have a low cap on what you'll pay for medical care in a single year, called an out-of-pocket maximum.
Silver plans: Best for average medical needs
| Silver plans pay for about 70% of your medical care. |
In Utah, Silver plans cost $821 per month and have a $6,005 deductible, on average.
Silver health plans balance average rates with middle-of-the-road costs you pay when you visit the doctor. That makes Silver plans a good choice if you have fairly average health care needs.
It's also important to note that Silver health plans are eligible for extra discounts, called cost-sharing reductions, if you earn a low income.
Bronze plans: Best if you're young and generally healthy
| Bronze plans pay for about 60% of your medical care. |
Bronze plans cost $628 per month in Utah before discounts on average. These plans also have an average deductible of $7,206.
Consider a Bronze plan if you're usually in good health and want to save money on your monthly rate. These plans have affordable rates, but you'll pay a large portion of the bill when you go to the hospital.
Don't buy a Bronze plan unless you can comfortably pay the deductible from your savings. If you can't afford to pay for a large portion of your medical costs, it might make sense to pay more each month for a plan with more coverage.
Cheap or free health insurance in Utah if you have a low income
Utah residents who earn a low income may qualify for free health insurance or extra discounts.
Medicaid: Free health insurance for Utah residents who earn a low income
You may be eligible for free government health insurance, called Medicaid, if you make about $22,000 per year or less as a single person ($44,000 per year or less for a family of four). With Medicaid, most of your health care costs will be free or very cheap.
Silver plans with cost-sharing reductions: Best if you earn a low income but can't get Medicaid
| Silver plans will pay 73% to 94% of your medical costs if you make a low income. |
If you have a low income, you may qualify for extra discounts, called cost-sharing reductions, that help pay for the cost of going to the doctor. Cost-sharing reductions help cover your deductible, copays and coinsurance.
Cost-sharing reductions can lower your out-of-pocket costs by helping to cover up to 94% of your medical expenses.
You need to earn between $15,650 and $39,125 per year as a single person or between $32,150 and $80,375 per year for a family of four to get cost-sharing reductions.
Are health insurance rates going up in UT in 2026?
On average, health insurance in Utah costs 19% more in 2026 compared to 2025.
Gold and Silver plans had the biggest increase, costing 23% and 22% more, respectively, in 2026 than in 2025. Bronze plans went up by 15%, and Platinum plans went up by 14%.
Over the last five years, Silver plans have gone up by 46%. More than half of people in Utah with Affordable Care Act (ACA) coverage have a Silver plan.
Bronze
Silver
Gold
Platinum
Year | Cost | Change |
|---|---|---|
| 2022 | $320 | – |
| 2023 | $407 | 27% |
| 2024 | $493 | 21% |
| 2025 | $545 | 10% |
| 2026 | $628 | 15% |
Monthly costs are for a 40-year-old. Expanded Bronze plans are included in 2024, 2025 and 2026 averages, when they're offered.
Bronze
Year | Cost | Change |
|---|---|---|
| 2022 | $320 | – |
| 2023 | $407 | 27% |
| 2024 | $493 | 21% |
| 2025 | $545 | 10% |
| 2026 | $628 | 15% |
Monthly costs are for a 40-year-old. Expanded Bronze plans are included in 2024, 2025 and 2026 averages, when they're offered.
Silver
Year | Cost | Change |
|---|---|---|
| 2022 | $563 | – |
| 2023 | $558 | -1% |
| 2024 | $599 | 7% |
| 2025 | $675 | 13% |
| 2026 | $821 | 22% |
Monthly costs are for a 40-year-old.
Gold
Year | Cost | Change |
|---|---|---|
| 2022 | $639 | – |
| 2023 | $642 | 0% |
| 2024 | $706 | 10% |
| 2025 | $749 | 6% |
| 2026 | $923 | 23% |
Monthly costs are for a 40-year-old.
Platinum
Year | Cost | Change |
|---|---|---|
| 2024 | $895 | – |
| 2025 | $1,128 | 26% |
| 2026 | $1,290 | 14% |
Monthly costs are for a 40-year-old.
Why is health insurance expensive in UT in 2026?
Higher health insurance rates are mainly tied to increasing costs for health care.
That's because health insurance companies spend more money when health care costs are high. Every time someone goes to the doctor or fills a prescription, the insurance company has to pay more. To make up for the extra costs, insurance companies charge everyone higher rates.
Another big reason that medical insurance is going up is the high cost for weight-loss drugs like Ozempic and Wegovy. Because so many people are now using these medications, health insurance companies raise rates to cover the added costs.
What to do if your health insurance goes up in 2026
- Shop around and get quotes. If your rates go up in 2026, get quotes from the other companies in your area. You might find a cheaper plan that still fits your needs.
- Look at lower-tier plans. An easy way to get a cheaper monthly rate is to go down to a lower-tier plan, like Bronze. However, while you'll get a lower monthly rate, you will also have to pay more when you go to the doctor or get medication. You can get an HSA to help you save and pay for medical care.
- See if you can get discounts. Even though discounts might be smaller in 2026, you should still check to see if you can get them, especially if you have a low income. If you qualify, subsidies are an easy way to get a lower monthly rate.
- Check if you can get Medicaid. You can get Medicaid if you make less than around $22,000 per year as an individual or $44,000 per year as a family of four. If you can get Medicaid, you'll get good health insurance coverage for free or very cheap.
All Utah medical insurance marketplace plans have to cover certain essential benefits. These include services like care for pregnant women, new mothers and infants.
All Obamacare plans also have to limit the amount you'll pay for care in a single year, called an out-of-pocket maximum. Marketplace plans can't deny coverage or charge you a higher rate based on your health history.
These rules apply to all Bronze, Silver, Gold and Platinum plans available on HealthCare.gov.
Cost of Utah health insurance by family size
It costs $440 per month, on average, to add a child to your plan in Utah.
Adult coverage costs an average of $821 per month in Utah. That means a single parent with one child pays an average of about $1,261 per month for coverage and a family of four pays $2,522 per month on average before discounts.
Family size | Average monthly cost |
|---|---|
| Individual | $821 |
| Individual and child | $1,261 |
| Couple | $1,642 |
| Family of three | $2,082 |
| Family of four | $2,522 |
Averages based on a Silver plan for 40-year-old adults and children who are under age 21.
Short-term health insurance in Utah
In January 2025, the Trump administration reversed a rule that would have capped the length of a short-term health policy to three months. Although there isn't a publicly available timeline for when this change will happen, short-term health insurance could be available in Utah for up to 364 days sometime in the coming year.
Short-term medical insurance can help you manage temporary coverage gaps, and coverage is typically cheap. But it's important to remember that short-term plans usually have worse coverage than regular marketplace coverage.
Pros of short-term health insurance in UT
Cons of short-term health insurance in UT
Health insurance enrollment by income level in Utah
Nearly three-fourths of people in Utah with an ACA plan make less than $37,650 per year.
Because they already have tighter budgets, people with lower incomes are going to feel the impact of rate increases and discount changes more than people with higher incomes.
Enrollment by income
Income | % of total enrollment |
|---|---|
| Less than $15,060 | 2% |
| $15,060 to $20,783 | 10% |
| $20,784 to $22,590 | 27% |
| $22,591 to $30,120 | 19% |
| $30,121 to $37,650 | 15% |
Enrollment in 2025 marketplace plans made during the 2024-2025 open enrollment period. Total may not be 100% due to rounding.
Frequently asked questions
Who has the best cheap health insurance in Utah?
Select Health has the best cheap health insurance in Utah. The company has the cheapest rates for Silver health plans, starting at $559 per month before discounts. In addition, Select Health has a high rating of 4 out of 5 stars from HealthCare.gov, and it gets fewer complaints than an average company of its size, according to the National Association of Insurance Commissioners (NAIC), an industry group.
How much is health insurance in Utah per month?
Silver health plans in Utah cost $821 per month on average. You might be able to get a cheaper rate if you get discounts.
What is the most popular health insurance in Utah?
Intermountain Health, which owns Select Health, is the most popular health insurance company in Utah, selling 69% of all individual and family policies in the state. It has affordable rates and significantly fewer customer complaints compared to an average health insurance company of a similar size.
Can I get health insurance for $100 a month?
You might be able to get medical insurance for $100 per month if you have a low income and get rate discounts called subsidies. For context, a Silver health insurance plan in Utah costs $821 per month for a 40-year-old or $555 per month for a 21-year-old, on average.
Will the ACA subsidies expire?
Some of the ACA subsidies could expire at the end of 2025, but not all of them. The discounts that are set to expire are called "enhanced subsidies," and they were put in place during the pandemic to help people save money on health insurance. Congress may yet renew these bigger discounts. If they do expire, though, discounts will roll back to their pre-2021 format. The discounts won't be as big, but they probably won't go away entirely.
Methodology
Utah health insurance rate data for 2026 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) to find average rates for different plan tiers, geographic locations and family sizes.
Rates
Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.
Subsidies
Rates after subsidies are estimates for a 40-year-old with a Benchmark Silver plan and are based on how subsidies were structured before 2021. Prices are calculated using KFF's rates for full-price Benchmark plans, federal poverty levels (FPLs), IRS rules about premium tax credits and Congressional reports about expanded tax credits. The total cost in the state uses calculated rates by income, which are weighted using CMS data on the incomes of those who purchased plans during the previous year's open enrollment. The median was used for each income range. Unknown incomes were excluded from the calculations. Incomes of 100% of the federal poverty line and 500% of the federal poverty line were assumed for enrollees who earn less than 100% FPL and more than 500% FPL, respectively. Information about state subsidies, when available, was sourced from state marketplaces.
Ratings
ValuePenguin's experts rank companies based on cost, coverage options, customer satisfaction and unique value. Ratings are out of 100 possible points. ACA ratings show how the company performs in Utah for medical care, member experience and plan administration. The 2026 plan quality data from CMS is based on data from the previous year. Ratings are not available for new plans or plans with low enrollment.
More sources
Enrollment trends, including plan selections by tier and enrollment by income, are from CMS data for the 2024-2025 open enrollment period.
Data on why rates are going up in Utah is from the Peterson-KFF Health System Tracker. Other sources include the National Association of Insurance Commissioners (NAIC), S&P Global Capital IQ and the Utah Department of Health and Human Services.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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.
