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)
6 insurers sell 2026 marketplace plans in Utah through HealthCare.gov. Not every insurer covers every county, so the choice at your ZIP code may be smaller:
- BridgeSpan Health
- Imperial Health Plan of the Southwest
- Molina Healthcare
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
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. The Inflation Reduction Act enhancement that extended credits above that threshold expired on 31 December 2025, so the limit applies again for 2026.
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.