ACA Marketplace Health Insurance in Utah
Utah residents shop for marketplace health insurance through Healthcare.gov. Whether you live in Salt Lake City, Provo, West Valley City, Ogden, St. George, or a rural county, an independent broker can pull every plan available in your ZIP code at no cost. Open Enrollment runs November 1 through January 15, with coverage effective January 1 for enrollments completed by December 15.
Utah expanded Medicaid in January 2020 under Proposition 3. Residents earning below 138% FPL (~$21,597 for a single adult in 2026) may qualify for Medicaid rather than a marketplace plan. An independent broker helps you determine the right pathway.
ACA Carriers Available in Utah (2026)
Utah has a competitive marketplace with several carriers offering plans statewide and in key metro areas:
- SelectHealth — The dominant carrier in Utah, affiliated with Intermountain Health. Available statewide with large provider networks and HMO-style plans.
- Molina Healthcare — Available in select Utah counties. Focused on affordable coverage for lower-income households and those transitioning from Medicaid.
- Oscar Health — Available in the Salt Lake City metro area. Known for telehealth integration and straightforward plan design.
- UnitedHealthcare — Available in select Utah markets with broad national network access.
Plan availability and premium varies by county and ZIP code. An independent broker confirms which carriers serve your address and identifies the lowest-cost option for your income level.
Utah-Specific Subsidy Notes
Because Utah expanded Medicaid, there is no coverage gap. ACA premium tax credits begin at 138% FPL and continue up through 400% FPL, with enhanced subsidies under the Inflation Reduction Act extending above that threshold for households whose benchmark plan premium exceeds a set percentage of income.
Silver plan cost-sharing reductions (CSRs) are available for Utah residents earning 138%–250% FPL and are automatically applied when you select a Silver plan. CSRs dramatically reduce deductibles and out-of-pocket maximums — in some cases cutting a Silver plan deductible to $0.
Self-Employed in Utah?
Self-employed Utah residents — freelancers, LLC owners, sole proprietors, S-corp owners, and 1099 workers — can deduct 100% of health insurance premiums on Schedule 1 of Form 1040. This above-the-line deduction reduces adjusted gross income, which can lower your tax bill and may improve your subsidy eligibility. See our guides for LLC owners, sole proprietors, independent contractors, and self-employed professionals.