ACA plans available
49
Plan year 2026
2026 data Public-data reference. official source
Salt Lake, Utah Health Insurance
Open-data reference.
49 ACA plans from 5 issuers - Plan year 2026
Salt Lake, Utah offers 49 ACA marketplace plans from 5 issuers for plan year 2026. Silver plans start at $526/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$637
Avg Silver Premium/mo
$539
Benchmark Premium/mo
+28.6%
Year-over-Year Change
$5,000
Avg Deductible
What the Numbers Say About Salt Lake
Salt Lake, Utah has 49 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $637/mo for a 27-year-old non-tobacco user, with the lowest Silver at $526 and the highest at $757.
The benchmark (second-lowest Silver) premium is $539/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,000 and the average out-of-pocket maximum is $8,835 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Salt Lake shifted by +28.6%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Salt Lake, consumers have meaningful competition to pressure premiums lower. HMO is the most common network type in Salt Lake, with EPO rounding out the alternatives. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
16 plans$637/mo avg
$526 - $757
Gold
15 plans$718/mo avg
$607 - $843
Platinum
4 plans$1,017/mo avg
$864 - $1,182
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Salt Lake is $539/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
5
Competitive market
Benchmark Silver
$539 /mo
Sets your subsidy ceiling
Avg deductible
$5,000
Across all metal tiers
Salt Lake ACA plans by premium and deductible
Each marker is the Salt Lake average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Salt Lake, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Salt Lake
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Select Health | 21 | $697/mo |
| University of Utah Health Plans | 12 | $619/mo |
| Regence BlueCross BlueShield of Utah | 8 | $601/mo |
| Imperial Health Plan of the Southwest, Inc. | 5 | $632/mo |
| BridgeSpan Health Company | 3 | $651/mo |
All Plans in Salt Lake
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Value Expanded Bronze 6900 Medical Deductible Select Health | Expanded Bronze | HMO | $444.01 | $472.44 | $6,900 | $10,000 |
| U Health Plus Bronze University of Utah Health Plans | Expanded Bronze | EPO | $455.61 | $484.78 | $9,000 | $9,200 |
| Value Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $463.87 | $493.57 | $0 | $10,500 |
| U Health Plus Expanded Bronze Standard University of Utah Health Plans | Expanded Bronze | EPO | $471.80 | $502.01 | $7,500 | $10,000 |
| Imperial Standard Bronze Imperial Health Plan of the Southwest, Inc. | Expanded Bronze | HMO | $475.01 | $505.43 | $7,500 | $10,000 |
| Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $480.11 | $510.86 | $9,000 | $10,600 |
| Healthy Premier Bronze HSA University of Utah Health Plans | Expanded Bronze | EPO | $481.90 | $512.76 | $8,500 | $8,500 |
| Healthy Premier Expanded Bronze Standard University of Utah Health Plans | Expanded Bronze | EPO | $495.07 | $526.77 | $7,500 | $10,000 |
| Bronze 8000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $498.02 | $529.91 | $8,000 | $10,600 |
| Regence Standard Bronze 7500 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $517.06 | $550.16 | $7,500 | $10,000 |
| BridgeSpan Standard Bronze Plan BridgeSpan Health Company | Expanded Bronze | HMO | $523.56 | $557.08 | $7,500 | $10,000 |
| Med Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $525.35 | $558.99 | $0 | $10,500 |
| Bronze HSA 7000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $536.08 | $570.40 | $7,000 | $8,300 |
| Med Benchmark Expanded Bronze Standardized Plan Select Health | Expanded Bronze | HMO | $597.64 | $635.91 | $7,500 | $10,000 |
| Signature Benchmark Silver 5900 Medical Deductible Select Health | Silver | HMO | $525.65 | $559.31 | $5,900 | $9,500 |
| Value Benchmark Silver 5900 Medical Deductible Select Health | Silver | HMO | $539.05 | $573.56 | $5,900 | $9,500 |
| Value Silver 3000 Medical Deductible Select Health | Silver | HMO | $564.58 | $600.73 | $3,000 | $9,500 |
| U Health Plus Silver Standard University of Utah Health Plans | Silver | EPO | $571.32 | $607.91 | $6,000 | $8,900 |
| U Health Plus Silver University of Utah Health Plans | Silver | EPO | $586.80 | $624.38 | $4,500 | $7,000 |
| Med Benchmark Silver 6000 Medical Deductible w/Vision Select Health | Silver | HMO | $595.23 | $633.35 | $6,000 | $9,500 |
| Imperial Standard Silver Imperial Health Plan of the Southwest, Inc. | Silver | HMO | $626.92 | $667.06 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Health Plan of the Southwest, Inc. | Silver | HMO | $640.63 | $681.65 | $7,500 | $9,500 |
| Signature Benchmark Silver Standardized Plan Select Health | Silver | HMO | $651.53 | $693.25 | $6,000 | $8,900 |
| Silver 6500 Regence BlueCross BlueShield of Utah | Silver | EPO | $656.61 | $698.66 | $6,500 | $9,500 |
| Value Benchmark Silver Standardized Plan Select Health | Silver | HMO | $668.14 | $710.92 | $6,000 | $8,900 |
| Regence Standard Silver 6000 Regence BlueCross BlueShield of Utah | Silver | EPO | $679.22 | $722.71 | $6,000 | $8,900 |
| BridgeSpan Standard Silver Plan BridgeSpan Health Company | Silver | HMO | $688.16 | $732.21 | $6,000 | $8,900 |
| Healthy Premier Silver Standard University of Utah Health Plans | Silver | EPO | $715.42 | $761.23 | $6,000 | $8,900 |
| Healthy Premier Silver Copay Office Visits University of Utah Health Plans | Silver | EPO | $730.70 | $777.49 | $4,000 | $7,000 |
| Med Benchmark Silver Standardized Plan Select Health | Silver | HMO | $756.69 | $805.14 | $6,000 | $8,900 |
| Signature Benchmark Gold Select Health | Gold | HMO | $607.27 | $646.15 | $0 | $8,950 |
| Value Gold 1500 Medical Deductible Select Health | Gold | HMO | $621.33 | $661.11 | $1,500 | $8,000 |
| U Health Plus Gold Standard University of Utah Health Plans | Gold | EPO | $645.07 | $686.38 | $2,000 | $8,200 |
| U Health Plus Gold University of Utah Health Plans | Gold | EPO | $661.61 | $703.97 | $1,500 | $7,000 |
| Med Gold 1500 Medical Deductible Select Health | Gold | HMO | $703.68 | $748.73 | $1,500 | $8,000 |
| Imperial Standard Gold Imperial Health Plan of the Southwest, Inc. | Gold | HMO | $704.28 | $749.38 | $2,000 | $8,200 |
| Gold 2300 Regence BlueCross BlueShield of Utah | Gold | EPO | $708.42 | $753.78 | $2,300 | $10,150 |
| Imperial Preferred Gold Imperial Health Plan of the Southwest, Inc. | Gold | HMO | $713.68 | $759.37 | $1,000 | $8,000 |
| Signature Benchmark Gold Standardized Plan Select Health | Gold | HMO | $726.23 | $772.73 | $2,000 | $8,200 |
| Regence Standard Gold 2000 Regence BlueCross BlueShield of Utah | Gold | EPO | $733.04 | $779.98 | $2,000 | $8,200 |
| BridgeSpan Standard Gold Plan BridgeSpan Health Company | Gold | HMO | $742.56 | $790.10 | $2,000 | $8,200 |
| Value Benchmark Gold Standardized Plan Select Health | Gold | HMO | $744.74 | $792.42 | $2,000 | $8,200 |
| Healthy Premier Gold Standard University of Utah Health Plans | Gold | EPO | $807.56 | $859.27 | $2,000 | $8,200 |
| Healthy Premier Gold Copay Office Visits University of Utah Health Plans | Gold | EPO | $808.65 | $860.43 | $1,500 | $8,500 |
| Med Benchmark Gold Standardized Plan Select Health | Gold | HMO | $843.45 | $897.45 | $2,000 | $8,200 |
| Value Benchmark Platinum Select Health | Platinum | HMO | $863.90 | $919.21 | $0 | $8,950 |
| Med Benchmark Platinum Select Health | Platinum | HMO | $978.40 | $1,041.05 | $0 | $8,950 |
| Value Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,043.34 | $1,110.15 | $0 | $5,200 |
| Med Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,181.63 | $1,257.29 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $450/mo | $387 | $565 | 37 | 7 |
| 2023 | $482/mo | $403 | $570 | 34 | 6 |
| 2024 | $495/mo | $431 | $584 | 30 | 8 |
| 2025 | $548/mo | $461 | $651 | 25 | 7 |
| 2026 | $637/mo | $526 | $757 | 16 | 5 |
Frequently Asked Questions
How many ACA plans are available in Salt Lake, UT?
There are 49 ACA marketplace plans available in Salt Lake from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Salt Lake?
Silver plans in Salt Lake start at $526/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Salt Lake?
The benchmark (second-lowest Silver) premium in Salt Lake is $539/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Salt Lake?
Average premiums in Salt Lake changed by +28.6% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Salt Lake?
The average annual deductible across all plans in Salt Lake is $5,000, and the average out-of-pocket maximum is $8,835. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Salt Lake?
There are 5 insurance issuers offering ACA marketplace plans in Salt Lake, including Select Health, University of Utah Health Plans, Regence BlueCross BlueShield of Utah, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Salt Lake, UT's $539/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
