Utah
Cheapest ACA plans in Utah for 2026
Cheapest Bronze plan in Utah, before subsidies: Select Health Value Expanded Bronze 6900 Medical Deductible in Davis County at $472/month for a 40-year-old non-tobacco user; Select Health Value Expanded Bronze 6900 Medical Deductible in Davis County at $1,452/month for a family of four (two 40-year-olds and two kids under 14). Utah uses Healthcare.gov, expanded Medicaid to 138% FPL in January 2020 after a multi-year arc starting with voter-approved Proposition 3 in 2018, and relies on federal APTC with no state premium wraparound.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old non-tobacco user, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans statewide |
|---|---|---|
| Expanded Bronze | $472 | 258 |
| Bronze | $592 | 23 |
| Silver | $683 | 270 |
| Gold | $789 | 257 |
| Platinum | $1,123 | 76 |
The actual cheapest plan in major counties
Same data the search returns: carrier, plan name, monthly premium, individual deductible, individual MOOP. Computed for a single 40-year-old non-tobacco user, before any subsidy. Catastrophic plans excluded because adults 30+ typically need a hardship-exemption certificate to enroll.
Salt Lake County
$472/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Utah County
$474/moRegence BlueCross BlueShield of Utah · Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
Davis County
$472/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Weber County
$496/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Washington County
$706/moUniversity of Utah Health Plans · Healthy Premier Bronze HSA
Cache County
$638/moRegence BlueCross BlueShield of Utah · Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
The actual cheapest plan for a family of four
Two 40-year-old adults and two kids in the 0-14 age band, before any subsidy. Carrier, plan name, premium, deductible, and MOOP exactly as the search would return them.
Salt Lake County
$1,452/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Utah County
$1,457/moRegence BlueCross BlueShield of Utah · Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
Davis County
$1,452/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Weber County
$1,524/moSelect Health · Value Expanded Bronze 6900 Medical Deductible
Washington County
$2,169/moUniversity of Utah Health Plans · Healthy Premier Bronze HSA
Cache County
$1,959/moRegence BlueCross BlueShield of Utah · Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
Subsidies: federal APTC only (no state premium subsidy)
Utah does not fund a supplemental state premium subsidy or §1332 reinsurance waiver. Marketplace help is federal only:
- Federal Advance Premium Tax Credit (APTC). Households 100-400% FPL on the PY2026 standard ACA contribution curve. The ARPA / IRA enhanced subsidies expired 2025-12-31 and are not in effect for 2026, so the hard 400% FPL cliff is back.
- Federal cost-sharing reductions (CSRs). Households 100-250% FPL enrolled in a Silver plan receive reduced deductibles, copays, and out-of-pocket maximums automatically.
Utah expanded Medicaid to 138% FPL effective January 1, 2020, ending a multi-year arc: voters approved Proposition 3 in November 2018 directing full expansion; the Utah legislature then passed SB 96 scaling back to a partial expansion at 100% FPL; CMS denied the partial-expansion waiver over several rounds; Utah ultimately implemented full ACA expansion on January 1, 2020. Adults 19-64 up to 138% FPL now qualify, so there is no coverage gap in Utah.
Catastrophic plans in Utah follow federal rules
Utah follows the federal ACA default: Catastrophic plans are available to enrollees under age 30, or at any age with a hardship / affordability exemption. The PY2026 federal auto-expansion applies: adults 30+ automatically qualify when the lowest-cost Bronze plan exceeds the affordability threshold. APTC does not apply to Catastrophic plans.
Tobacco surcharges follow the federal 1.5x default in Utah
Utah applies the federal ACA default (45 CFR 147.102): carriers may charge tobacco users up to 50% more than non-users (a 1.5-to-1 rate ratio). The Utah Insurance Department reviews rate filings under Utah Code Title 31A. No Utah-specific cap below the federal 1.5x ceiling has been identified. Federal APTC does not offset the tobacco portion of the premium.
Carriers selling 2026 plans in Utah
8 carriers, 1,059 plans across 29 counties. 884 sold on Healthcare.gov, 175 off-exchange-only direct from carriers. SelectHealth (an Intermountain Health affiliate) dominates the Utah individual market, particularly along the Wasatch Front (Salt Lake, Utah, Davis, Weber counties). Molina, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans compete in select counties.
| Carrier | Plans (on + off exchange) |
|---|---|
| SelectHealth | 434 |
| University of Utah Health Plans | 246 |
| Regence BlueCross BlueShield | 234 |
| BridgeSpan Health Company | 81 |
| Imperial Health Plan | 30 |
| Molina | 16 |
| Select Health | 9 |
| Regence BlueCross BlueShield of Utah | 9 |
Enrollment
Open Enrollment for 2026 coverage runs November 1, 2025 through January 15, 2026. Enroll by December 15 for a January 1 effective date; December 16 through January 15 takes effect February 1. Special Enrollment is available year-round for qualifying life events.
Direct enrollment: healthcare.gov.
Frequently asked questions
What is the cheapest ACA plan in Utah for 2026?
The cheapest Bronze-tier plan a 40-year-old non-tobacco user can enroll in without paperwork is Select Health Value Expanded Bronze 6900 Medical Deductible in Davis County at $472 per month before subsidies. Data refreshed 2026-04-19T08:08:55.462Z.
Does Utah use Healthcare.gov?
Yes. Utah participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Utah does not operate a state-based exchange.
Has Utah expanded Medicaid?
Yes, effective January 1, 2020. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Utah.
What was the Proposition 3 arc?
Utah voters approved Proposition 3 in November 2018 directing full ACA Medicaid expansion to 138% FPL. The Utah legislature then passed SB 96 scaling back to partial expansion at 100% FPL and seeking federal approval for per-capita caps. CMS denied the partial-expansion waiver over several rounds. Utah ultimately implemented full expansion to 138% FPL on January 1, 2020.
Which carriers offer Utah plans on Healthcare.gov?
SelectHealth (an Intermountain Health affiliate) dominates the Utah individual market, particularly along the Wasatch Front. Molina, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans compete in select counties.
Does Utah have a state premium subsidy on top of federal APTC?
No. Utah does not fund a state premium assistance program or §1332 reinsurance waiver. The only financial help for Marketplace enrollees is federal APTC and CSRs, and the ARPA/IRA enhanced credits expired at the end of 2025.
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Utah Insurance Department for rate review, carrier filings, and consumer guidance.
- Utah Medicaid — Department of Health and Human Services for Medicaid expansion eligibility and enrollment.
- Utah Proposition 3 (2018 Ballot) for the voter-approved full Medicaid expansion and subsequent implementation arc.
- KFF — Utah State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
- CMS QHP Landscape Individual Medical 2026 for plan availability, premiums, and metal tiers.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.