Health Insurance Cost in Utah (2026)
Data: CMS/KFF 2026 rate filings · IRS Rev. Proc. 2025-25 · Last reviewed July 2026
#21 of 51 Utah's average benchmark premium is $640/month for a single 40-year-old in 2026 — 2% above the national average of $625. That's the full sticker price; what you actually pay depends on your subsidy, and the subsidy rules changed sharply this year.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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What you'd actually pay in Utah at different incomes
Estimated 2026 numbers for a single 40-year-old, using Utah's average benchmark premium and this year's official contribution percentages:
| Income level | Annual income | Your max contribution | Est. subsidy | Est. benchmark cost to you |
|---|---|---|---|---|
| 150% FPL | $23,475 | $82/mo | $558/mo | $82/mo |
| 200% FPL | $31,300 | $172/mo | $468/mo | $172/mo |
| 250% FPL | $39,125 | $275/mo | $365/mo | $275/mo |
| 300% FPL | $46,950 | $390/mo | $250/mo | $390/mo |
| 399% FPL | $62,444 | $518/mo | $122/mo | $518/mo |
| Over 400% FPL | $62,600+ | No cap | $0 | $640/mo (full price) |
Bronze plans usually cost less than the benchmark silver plan shown (your subsidy still applies). Under 250% FPL, pick silver to get cost-sharing reductions. Run your exact numbers in the 2026 subsidy calculator.
The 400% cliff in Utah
In Utah the cliff bites hard. A single 40-year-old earning $62,500 (just under 400% of FPL) pays at most 9.96% of income — about $519/month — and gets an estimated $121/month subsidy. Earn $62,700 instead, and the subsidy drops to $0: roughly $1,455/year lost over a ~$200 raise. If you're near the line, pre-tax 401(k), traditional IRA, or HSA contributions can pull your MAGI back under it — see our cliff guide.
Medicaid & low-income options
Utah has expanded Medicaid: adults with income up to 138% of FPL ($21,597 for a single person) generally qualify for free or low-cost coverage instead of a marketplace plan.
Where to enroll
Utah uses the federal marketplace, HealthCare.gov. Open enrollment for 2027 coverage: November 1, 2026 – January 15, 2027 (some state marketplaces extend later). Missed it? See your options after open enrollment.
Need cheaper dental & vision coverage?
Standalone dental insurance and discount plans often cost $10–$40/month — far less than adding dental to a health plan.
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Frequently asked questions
How much is health insurance in Utah in 2026?
The average benchmark (second-lowest-cost silver) plan for a 40-year-old in Utah costs about $640/month before subsidies in 2026 — 2% above the national average of $625. Your actual price depends on age, county, and plan choice; subsidies can cut it dramatically if your income is between 100% and 400% of the federal poverty level.
What income qualifies for a subsidy in Utah in 2026?
For 2026, premium tax credits are available between 100% and 400% of the federal poverty level: $15,650–$62,600 for a single person and $32,150–$128,600 for a family of four. Above 400% there is no subsidy — the enhanced credits that removed this cliff expired at the end of 2025.
Where do I enroll in coverage in Utah?
Utah uses the federal marketplace, HealthCare.gov. Open enrollment for 2027 plans runs November 1, 2026 – January 15, 2027 in most states; outside that window you need a qualifying life event.
Compare with similar states
North Carolina ($638) · Alabama ($645) · Illinois ($646) · Louisiana ($646) · all states