ACA plans available
43
Plan year 2026
2026 data Public-data reference. official source
Utah, Utah Health Insurance
Open-data reference.
43 ACA plans from 5 issuers - Plan year 2026
Utah, Utah offers 43 ACA marketplace plans from 5 issuers for plan year 2026. Silver plans start at $541/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$676
Avg Silver Premium/mo
$555
Benchmark Premium/mo
+30.6%
Year-over-Year Change
$4,986
Avg Deductible
What the Numbers Say About Utah
Utah, Utah has 43 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $676/mo for a 27-year-old non-tobacco user, with the lowest Silver at $541 and the highest at $933.
The benchmark (second-lowest Silver) premium is $555/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 $4,986 and the average out-of-pocket maximum is $8,898 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Utah shifted by +30.6%, 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 Utah, consumers have meaningful competition to pressure premiums lower. HMO is the most common network type in Utah, 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
14 plans$676/mo avg
$541 - $933
Gold
13 plans$764/mo avg
$625 - $1,033
Platinum
4 plans$1,047/mo avg
$890 - $1,217
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Utah is $555/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
$555 /mo
Sets your subsidy ceiling
Avg deductible
$4,986
Across all metal tiers
Utah ACA plans by premium and deductible
Each marker is the Utah 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 Utah, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Utah
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Select Health | 21 | $718/mo |
| Regence BlueCross BlueShield of Utah | 8 | $558/mo |
| University of Utah Health Plans | 6 | $860/mo |
| Imperial Health Plan of the Southwest, Inc. | 5 | $651/mo |
| BridgeSpan Health Company | 3 | $605/mo |
All Plans in Utah
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $445.68 | $474.22 | $9,000 | $10,600 |
| Value Expanded Bronze 6900 Medical Deductible Select Health | Expanded Bronze | HMO | $457.33 | $486.61 | $6,900 | $10,000 |
| Bronze 8000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $462.30 | $491.90 | $8,000 | $10,600 |
| Value Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $477.78 | $508.37 | $0 | $10,500 |
| Regence Standard Bronze 7500 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $479.97 | $510.70 | $7,500 | $10,000 |
| BridgeSpan Standard Bronze Plan BridgeSpan Health Company | Expanded Bronze | HMO | $486.01 | $517.13 | $7,500 | $10,000 |
| Imperial Standard Bronze Imperial Health Plan of the Southwest, Inc. | Expanded Bronze | HMO | $489.26 | $520.59 | $7,500 | $10,000 |
| Bronze HSA 7000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $497.63 | $529.49 | $7,000 | $8,300 |
| Med Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $541.11 | $575.76 | $0 | $10,500 |
| Healthy Premier Bronze HSA University of Utah Health Plans | Expanded Bronze | EPO | $615.49 | $654.90 | $8,500 | $8,500 |
| Med Benchmark Expanded Bronze Standardized Plan Select Health | Expanded Bronze | HMO | $615.57 | $654.99 | $7,500 | $10,000 |
| Healthy Premier Expanded Bronze Standard University of Utah Health Plans | Expanded Bronze | EPO | $632.30 | $672.79 | $7,500 | $10,000 |
| Signature Benchmark Silver 5900 Medical Deductible Select Health | Silver | HMO | $541.42 | $576.09 | $5,900 | $9,500 |
| Value Benchmark Silver 5900 Medical Deductible Select Health | Silver | HMO | $555.22 | $590.77 | $5,900 | $9,500 |
| Value Silver 3000 Medical Deductible Select Health | Silver | HMO | $581.52 | $618.76 | $3,000 | $9,500 |
| Silver 6500 Regence BlueCross BlueShield of Utah | Silver | EPO | $609.52 | $648.55 | $6,500 | $9,500 |
| Med Benchmark Silver 6000 Medical Deductible w/Vision Select Health | Silver | HMO | $613.09 | $652.35 | $6,000 | $9,500 |
| Regence Standard Silver 6000 Regence BlueCross BlueShield of Utah | Silver | EPO | $630.50 | $670.87 | $6,000 | $8,900 |
| BridgeSpan Standard Silver Plan BridgeSpan Health Company | Silver | HMO | $638.80 | $679.70 | $6,000 | $8,900 |
| Imperial Standard Silver Imperial Health Plan of the Southwest, Inc. | Silver | HMO | $645.72 | $687.07 | $6,000 | $8,900 |
| Imperial Preferred Silver Imperial Health Plan of the Southwest, Inc. | Silver | HMO | $659.85 | $702.10 | $7,500 | $9,500 |
| Signature Benchmark Silver Standardized Plan Select Health | Silver | HMO | $671.08 | $714.05 | $6,000 | $8,900 |
| Value Benchmark Silver Standardized Plan Select Health | Silver | HMO | $688.18 | $732.25 | $6,000 | $8,900 |
| Med Benchmark Silver Standardized Plan Select Health | Silver | HMO | $779.40 | $829.30 | $6,000 | $8,900 |
| Healthy Premier Silver Standard University of Utah Health Plans | Silver | EPO | $913.75 | $972.25 | $6,000 | $8,900 |
| Healthy Premier Silver Copay Office Visits University of Utah Health Plans | Silver | EPO | $933.26 | $993.01 | $4,000 | $7,000 |
| Signature Benchmark Gold Select Health | Gold | HMO | $625.49 | $665.54 | $0 | $8,950 |
| Value Gold 1500 Medical Deductible Select Health | Gold | HMO | $639.97 | $680.94 | $1,500 | $8,000 |
| Gold 2300 Regence BlueCross BlueShield of Utah | Gold | EPO | $657.61 | $699.72 | $2,300 | $10,150 |
| Regence Standard Gold 2000 Regence BlueCross BlueShield of Utah | Gold | EPO | $680.47 | $724.04 | $2,000 | $8,200 |
| BridgeSpan Standard Gold Plan BridgeSpan Health Company | Gold | HMO | $689.30 | $733.43 | $2,000 | $8,200 |
| Med Gold 1500 Medical Deductible Select Health | Gold | HMO | $724.79 | $771.20 | $1,500 | $8,000 |
| Imperial Standard Gold Imperial Health Plan of the Southwest, Inc. | Gold | HMO | $725.41 | $771.86 | $2,000 | $8,200 |
| Imperial Preferred Gold Imperial Health Plan of the Southwest, Inc. | Gold | HMO | $735.09 | $782.15 | $1,000 | $8,000 |
| Signature Benchmark Gold Standardized Plan Select Health | Gold | HMO | $748.02 | $795.91 | $2,000 | $8,200 |
| Value Benchmark Gold Standardized Plan Select Health | Gold | HMO | $767.08 | $816.20 | $2,000 | $8,200 |
| Med Benchmark Gold Standardized Plan Select Health | Gold | HMO | $868.75 | $924.38 | $2,000 | $8,200 |
| Healthy Premier Gold Standard University of Utah Health Plans | Gold | EPO | $1,031.43 | $1,097.47 | $2,000 | $8,200 |
| Healthy Premier Gold Copay Office Visits University of Utah Health Plans | Gold | EPO | $1,032.82 | $1,098.95 | $1,500 | $8,500 |
| Value Benchmark Platinum Select Health | Platinum | HMO | $889.81 | $946.79 | $0 | $8,950 |
| Med Benchmark Platinum Select Health | Platinum | HMO | $1,007.75 | $1,072.28 | $0 | $8,950 |
| Value Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,074.65 | $1,143.45 | $0 | $5,200 |
| Med Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,217.08 | $1,295.01 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $456/mo | $378 | $580 | 37 | 7 |
| 2023 | $495/mo | $416 | $695 | 32 | 6 |
| 2024 | $512/mo | $444 | $746 | 25 | 7 |
| 2025 | $566/mo | $475 | $799 | 23 | 7 |
| 2026 | $676/mo | $541 | $933 | 14 | 5 |
Frequently Asked Questions
How many ACA plans are available in Utah, UT?
There are 43 ACA marketplace plans available in Utah from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Utah?
Silver plans in Utah start at $541/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Utah?
The benchmark (second-lowest Silver) premium in Utah is $555/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 Utah?
Average premiums in Utah changed by +30.6% 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 Utah?
The average annual deductible across all plans in Utah is $4,986, and the average out-of-pocket maximum is $8,898. 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 Utah?
There are 5 insurance issuers offering ACA marketplace plans in Utah, including Select Health, Regence BlueCross BlueShield of Utah, University of Utah Health Plans, 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 Utah, UT's $555/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
