Best Cheap Health Insurance in Utah (2024)
Select Health offers the best cheap health insurance in Utah, at $459 per month before discounts.
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Best and cheapest health insurance in Utah
Cheapest health insurance companies in Utah
Select Health has the cheapest Silver health plans in Utah.
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Affordable health insurance in Utah
Company |
Cost
| |
|---|---|---|
| Select Health | $459 - $791 |
| Regence BCBS | $497 - $661 |
| BridgeSpan | $510 - $660 |
| Cigna | $526 - $529 |
- Select Health has the most affordable coverage for about nine out of every 10 people in Utah. The company has the cheapest rates in Salt Lake City, Provo and Orem.
- Select Health is also the most popular health insurance company in Utah. The company sells about eight out of 10 marketplace plans in the state.
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. That's the highest star rating of any company on the Utah health insurance marketplace. Plus, Select Health gets far fewer complaints than an average company its size.
University of Utah Health Plans also has a 4-star rating from HealthCare.gov. However, it's expensive and therefore not a good choice for most people.
Best-rated health insurance companies in Utah
Company |
Editor rating
|
ACA rating
|
|---|---|---|
| Select Health | 4.0 | |
| Regence BlueCross BlueShield of Utah | 3.0 | |
| Molina Healthcare | 3.0 | |
| BridgeSpan Health Company | NA | |
| Cigna Healthcare | NA |
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Best health insurance in Utah for flexible coverage
Cigna sells the cheapest plans that let you see specialists in your network of doctors without getting a referral, called an EPO plan. Cigna's EPO plans start at $527 per month for Silver health coverage. That's $109 per month cheaper than the state average for these plans.
An EPO (exclusive provider organization) plan is a better option if you want flexible coverage and don't mind paying more.
Utah residents can choose between EPO and HMO plans on the state health marketplace. HMO (health maintenance organizations) typically cost less per month, but these plans require that customers pick a primary care doctor and get a referral before you see a specialist.
Regence BCBS and University of Utah Health Plans also offer EPO plans.
No company sells PPO (preferred provider organization) plans on the Utah health marketplace.
What's the cost of health insurance in Utah?
In Utah, health insurance costs an average of $599 per month or $48 per month if you qualify for discounts because of your income, called subsidies.
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.
Get affordable health insurance in Utah
Health insurance in Utah costs an average of $48 per month with discounts.
About 96% of Utah residents who have coverage through HealthCare.gov qualify for a discount, called a subsidy or premium tax credit. In addition, roughly half of marketplace plans sold in Utah cost under $10 per month after discounts.
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.
In Utah, Silver health plans without subsidies cost $599 per month, on average.
Cheap Utah health insurance plans by city
Select Health has the cheapest health insurance in most large Utah cities including Salt Lake, Provo and Orem.
Molina has the most affordable rates in St. George, the only big city in Utah where Select Health isn't the cheapest choice.
Cheapest health insurance by UT county
County | Cheapest Silver plan | Monthly rate |
|---|---|---|
| Beaver | Select Health Med Benchmark Silver | $634 |
| Box Elder | Select Health Value Benchmark Silver | $494 |
| Cache | Molina Healthcare Silver 1 | $608 |
| Carbon | Select Health Med Benchmark Silver | $634 |
| Daggett | Select Health Med Benchmark Silver | $634 |
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 health insurance plans have the highest average costs of any plan tier, at $895 per month before discounts. 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 low caps 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 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.
Gold plans in Utah cost $706 per month and have a $1,551 deductible on average.
Silver plans: Best for average medical needs
| Silver plans pay for about 70% of your medical care. |
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.
In Utah, Silver plans cost $599 per month and have a $5,395 deductible on average.
Bronze plans: Best if you're young and healthy
| Bronze plans pay for about 60% of your medical care. |
Consider a Bronze plan if you're in good health, and you 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.
Bronze plans cost $493 per month in Utah before discounts on average. These plans also have an average deductible of $6,508.
Extra discounts and free health insurance in Utah
Utah residents who earn a low income may qualify for free health insurance or extra discounts.
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. |
You may qualify for discounts, called cost-sharing reductions, that help pay for the costs you're responsible for when you visit the doctor. Cost-sharing reductions help cover your deductible copays and coinsurance.
Cost-sharing reductions can lower your out-of-pocket costs by up to 90%.
You need to earn about $36,000 per year or less ($75,000 per year for a family of four) to qualify for cost-sharing reductions.
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 $20,000 per year or less as a single person ($41,000 per year or less for a family of four).
Are health insurance rates going up in Utah?
Health insurance got 12% more expensive, on average, between 2023 and 2024.
Bronze plans increased the most, rising 21% over the previous year. Silver plans rose by 7%, and Gold plans got 10% more expensive. Platinum plans weren't sold on the Utah health exchange in 2023.
Are health insurance rates going up in UT?
Tier | 2023 | 2024 | Change |
|---|---|---|---|
| Bronze | $407 | $493 | 21% |
| Silver | $558 | $599 | 7% |
| Gold | $642 | $706 | 10% |
Monthly costs are for a 40-year-old.
All Utah health 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 $321 per month, on average, to add a child to your plan in Utah.
Adult coverage costs an average of $599 per month in Utah. That means a single parent with one child pays an average of $920 per month for coverage and a family of four pays $1,840 per month on average before discounts.
Family size | Average monthly cost |
|---|---|
| Individual | $599 |
| Individual + Child | $920 |
| Couple, age 40 | $1,198 |
| Family of three | $1,519 |
| Family of four | $1,840 |
Averages based on a Silver plan for 40-year-old adults and children.
Short-term health insurance in Utah
New short-term health plans in Utah can last for up to three months at a time.
You can renew your plan as long as the total coverage length doesn't last more than four months in a 12-month period. In other words, if you had a three-month-long plan, you could renew it for one more month. Then you'd have to wait eight months before you could buy more short-term coverage.
Plans bought before Sept. 1, 2024 can last for up to 364 days and you can renew these plans for up to three years.
Pros of short-term health insurance in UT
Cons of short-term health insurance in UT
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 average rates for Silver health plans, at $459 per month before discounts.
In addition, Select Health has a high 4 out of 5 star rating from HealthCare.gov, and it gets fewer complaints than an average company 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 $599 per month on average. However, it's important to remember that nearly everyone who buys marketplace coverage in Utah qualifies for which lowers the average cost to $48 per month.
What is the most popular health insurance in Utah?
Select Health is the most popular health insurance company in Utah, selling 82% of all policies in the state. It has affordable rates and significantly fewer customer complaints compared to an average health insurance company of a similar size.
Methodology
Utah health insurance rate data for 2024 is from the Centers for Medicare & Medicaid Services (CMS) website. ValuePenguin used the CMS public use files (PUFs) in calculations to average rates across a variety of factors such as plan tier, county and family size. Plans and insurance companies for which county-level data was included in the CMS Crosswalk file were used in our reporting. Those excluded from these files were not included in our analysis.
Rates are for a 40-year-old with a Silver plan, unless otherwise noted. Other sources include S&P Global Capital IQ, NAIC (National Association of Insurance Commissioners) and the Utah Department of Health and Human Services.
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.