How much does health insurance cost in Utah in 2026?
Real prices from the official 2026 HealthCare.gov plan file for all 29 counties in Utah, plus tax-credit examples and private plan ranges.
Monthly premiums by tier and age
| Tier | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| Bronze | $434–$542 | $603–$753 | $642–$801 | $923–$1,152 | $1,302–$1,625 |
| Silver | $540–$686 | $750–$953 | $798–$1,014 | $1,148–$1,459 | $1,619–$2,058 |
| Gold | $638–$765 | $887–$1,063 | $943–$1,131 | $1,357–$1,626 | $1,914–$2,294 |
| Platinum | $887–$1,071 | $1,233–$1,489 | $1,312–$1,584 | $1,886–$2,278 | $2,661–$3,213 |
Typical county range (median of county lows to median of county highs), full price, from the CMS 2026 plan file. The cheapest county goes as low as $472 for a 40-year-old on Bronze; the most expensive county reaches $1,756 on Platinum.
Ranges at a glance (age 40)
What a tax credit does (in Salt Lake County, the state's most populous county)
| Household | % of poverty level | Estimated tax credit | Cheapest Bronze, full → after credit |
|---|---|---|---|
| A single 40-year-old earning $40,000 | 255% | $287/mo | $472 → $186 |
| A family of four (parents 40 and 38, two kids) earning $85,000 | 264% | $1,126/mo | $1,445 → $319 |
2025 federal poverty guidelines apply to 2026 coverage; the enhanced credits of 2021–2025 expired, so the 400% cutoff is back (for one person that is $62,600 a year, for four $128,600). The Marketplace sets the final credit.
See your own numbers for Utah
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Private plans in Utah
| Age | Man, monthly range | Woman, monthly range |
|---|---|---|
| 30 | $50–$323 | $94–$386 |
| 40 | $92–$424 | $114–$457 |
| 50 | $194–$469 | $174–$452 |
| 60 | $322–$632 | $257–$562 |
A family of four (parents 40 and 38 with two children) is typically quoted $416 to $878 a month in Utah. Private plans are not ACA plans: no tax credit, health questions on the application, and pre-existing conditions can raise the price or be excluded. Deductibles are usually lower than the cheapest Marketplace tiers and you can enroll any month of the year.
Utah counties
| County | Plans | Insurers | Cheapest Bronze, 40 | Silver benchmark, 40 |
|---|---|---|---|---|
| Salt Lake County | 49 | 5 | $472 | $574 |
| Utah County | 43 | 5 | $474 | $591 |
| Davis County | 44 | 4 | $472 | $574 |
| Weber County | 38 | 4 | $496 | $602 |
| Washington County | 22 | 3 | $706 | $905 |
| Cache County | 19 | 3 | $638 | $872 |
| Tooele County | 34 | 4 | $472 | $601 |
| Iron County | 22 | 3 | $706 | $905 |
| Box Elder County | 34 | 4 | $496 | $631 |
| Summit County | 34 | 4 | $472 | $601 |
| Uintah County | 25 | 4 | $642 | $878 |
| Wasatch County | 23 | 2 | $472 | $601 |
| Sanpete County | 8 | 1 | $704 | $1,014 |
| Sevier County | 14 | 2 | $648 | $962 |
| Duchesne County | 25 | 4 | $642 | $878 |
| Carbon County | 25 | 4 | $642 | $878 |
| San Juan County | 14 | 2 | $648 | $962 |
| Millard County | 14 | 2 | $648 | $962 |
| Juab County | 25 | 4 | $642 | $878 |
| Morgan County | 34 | 4 | $496 | $631 |
| Emery County | 25 | 4 | $642 | $878 |
| Grand County | 14 | 2 | $648 | $962 |
| Kane County | 14 | 2 | $648 | $962 |
| Beaver County | 14 | 2 | $648 | $962 |
| Garfield County | 14 | 2 | $648 | $962 |
| Rich County | 19 | 3 | $638 | $872 |
| Wayne County | 14 | 2 | $648 | $962 |
| Piute County | 14 | 2 | $648 | $962 |
| Daggett County | 25 | 4 | $642 | $878 |
Questions people ask
How much is health insurance in Utah per month?
For a 40-year-old paying full price in 2026, Marketplace Bronze plans typically run $642 to $801 a month across Utah counties, Silver $798 to $1,014, and the silver benchmark that tax credits are based on is about $878. Most people who qualify for a credit pay far less; see the examples above.
Does Utah have Medicaid expansion?
Yes. Households under 138% of the federal poverty level are generally covered by Medicaid rather than a Marketplace credit.
Where do Utah residents enroll in a Marketplace plan?
Utah uses HealthCare.gov. Open Enrollment for 2027 runs November 1 to mid-January; outside that window you need a qualifying life event.
Are private health plans cheaper than the Marketplace in Utah?
Often, for healthy households that do not qualify for a tax credit. A healthy 40-year-old man is typically quoted $92 to $424 a month on private plans in Utah, versus $642 to $801 for Marketplace Bronze at full price. Private plans are medically underwritten and are not ACA plans, so anyone with a tax credit or ongoing conditions usually does better on the Marketplace.
Sources: CMS QHP Landscape PY2026 Individual Medical (data.healthcare.gov, snapshot August 4, 2026); HHS 2025 poverty guidelines; IRS Rev. Proc. 2025-25; private ranges from the carrier rate tables our advisors quote from. Page generated 2026-09-29.