Short answer: private health insurance in Utah comes in two forms. The marketplace plans are themselves sold by private companies: six insurers file plans on HealthCare.gov for 2026, led by Select Health in all 29 counties. They come with tax credits and no health questions. Medically underwritten plans are the other form: they ask about your health, can decline you and get no credit, but a healthy buyer can often pay less, and one can start in any month. (Reviewed by Daniel Griffin, licensed independent advisor, NPN #22052447.)
Who Sells Marketplace Plans in Utah
| Insurer (2026) | Counties where it sells |
|---|---|
| Select Health | All 29 |
| University of Utah Health Plans | 26 of 29 |
| BridgeSpan Health Company | 16 of 29 |
| Regence BlueCross BlueShield of Utah | 16 of 29 |
| Imperial Health Plan of the Southwest | 2 of 29 |
| Molina Healthcare | 2 of 29 |
From the CMS Plan Year 2026 landscape file. In 1 of Utah’s 29 counties a single insurer sells every marketplace plan, so there is no price competition there at all. Insurers filing under more than one company name are counted once here.
What Utah Plans Cost Before a Tax Credit
The average benchmark Silver premium for a 40-year-old in Utah was $640 a month in 2026, before any tax credit (KFF). County by county, that benchmark ran from $574 in Davis County and 1 other to $1,014 in Sanpete County. The cheapest Silver plan anywhere in Utah cost $526 at age 27, $559 at 40 and $1,134 at 60; the priciest Silver plan for a 40-year-old cost $1,125.
Who Should Look Beyond the Utah Marketplace
For 2027 coverage the tax credit stops at $63,840 for one person and $132,000 for a family of four. At Utah’s 2026 benchmark, a single 40-year-old just over that line pays $7,680 a year, about 12% of income, before the 2027 increase. That is where a healthy household can save with a medically underwritten plan, which is priced on health, not income. It is not ACA coverage: it can decline you and usually excludes pre-existing conditions and maternity care. Leaving a job? See COBRA alternatives.
Networks: What to Check in Utah
No 2026 marketplace plan in Utah is a PPO; the choice is EPO and HMO plans. Outside an emergency most of them pay nothing out of network, so check your doctors in the specific plan’s network.
Healthy, in Utah, and paying full price?
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2027 in Utah
Utah’s approved 2027 rates are an average 7.4% higher than 2026 (enrollment-weighted, reported Sep 17, 2026). No insurer has announced it is leaving Utah’s marketplace for 2027. Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027; choose by December 15 for coverage that starts January 1. Medically underwritten plans are not tied to that calendar. health insurance in Utah · Utah plans compared.
Checking an Agent or a Plan in Utah
The Utah Insurance Department licenses agents and insurers in Utah: look up anyone selling you a plan, and get the insurer’s name and the list of what is not covered before you pay.
Common Questions
What is private health insurance in Utah?
Two things. 6 private insurers sell Utah marketplace plans on HealthCare.gov for 2026, with tax credits and no health questions; Select Health sells in every county. Medically underwritten plans ask health questions, can decline you, get no tax credit and can start in any month.
Who should buy a medically underwritten plan in Utah?
A healthy household that gets little or no tax credit: for 2027 coverage there is none above $63,840 for one person or $132,000 for a family of four. Anyone with a real health history, or planning a pregnancy, is usually better protected on the marketplace.
Are there PPO plans on the Utah marketplace?
No. Every 2026 marketplace plan in Utah is an EPO or HMO plan, so check your doctors in the specific plan’s network.
Which insurers are leaving Utah’s marketplace for 2027?
No insurer has announced it is leaving Utah’s marketplace for 2027.
Sources
- KFF benchmark premiums, Utah, 2026.
- CMS plan landscape file, Utah, 2026.
- Utah 2027 rates and exits (Plans By State, from regulators and ACASignups.net).
- HealthCare.gov: tax credit income limits.
- Utah Insurance Department.
Full-price filed rates before tax credits, not quotes. Underwritten plans are not sold in every state and acceptance depends on health history.