Average Health Insurance Premiums in Utah (2026)
The following estimates show typical unsubsidized monthly premiums for a 40-year-old single adult
in Utah in 2026. Actual costs vary significantly by ZIP code, age, and plan choice:
- Bronze HDHP: approximately $69–$157/month
- Bronze (standard): approximately $147–$277/month
- Silver: approximately $355–$535/month (lower end)
- Gold: approximately $355–$535/month (upper end)
Premiums increase with age and household size. Younger adults (20s, early 30s) pay less;
adults in their 50s and early 60s pay significantly more. Tobacco users pay a surcharge
in most states.
Utah expanded Medicaid in 2020. SelectHealth (the Intermountain Health insurance arm) is the dominant carrier. DMBA serves employers affiliated with the LDS church. The Salt Lake City metro has the most carrier options.
How ACA Subsidies Reduce Your Premium in Utah
If your household income falls between 100% and 400% of the federal poverty level (roughly
$15,650–$62,600 for a single adult in 2026), you qualify for ACA premium tax credits
that directly reduce your monthly premium. The subsidy is calculated as the difference between
your benchmark Silver plan premium and a capped percentage of your income.
At income levels below 250% FPL, you also qualify for cost-sharing reductions (CSR) on Silver
plans that reduce deductibles, copays, and out-of-pocket maximums significantly.
Carriers in Utah (2026)
Marketplace carriers in Utah include: SelectHealth, DMBA (Deseret Mutual), Molina Healthcare, Cigna. The dominant carrier in most Utah
counties is SelectHealth (Intermountain). Plan availability varies by county — check healthcare.gov for
exact options in your ZIP code.
Utah Medicaid: Free or Low-Cost Coverage in Utah
Utah Medicaid covers adults earning up to 138% FPL. Apply at health.utah.gov/medicaid.