Quick answer
In 2026, the benchmark silver plan for a 40-year-old in Utah averaged $640 a month before subsidies, close to the U.S. average of $625. Utah uses its own age curve, so premiums rise faster through your 20s than in most states and stop rising at age 60. About 91% of Utah enrollees got a premium tax credit, and the average enrollee paid $120 a month after it. Approved 2027 increases average about 7%, one of the smaller increases in the country.
Key takeaways
- Utah’s 2026 benchmark premium for a 40-year-old was about $640 a month before subsidies.
- Utah’s own age curve puts a 60-year-old and a 64-year-old at the same price, about $1,298 a month for the benchmark plan in 2026.
- Utahns made 387,336 plan selections for 2026, down 8% from the record set in 2025, and people who got a subsidy paid $68 a month on average.
- Final 2027 rate increases average 6.7% to 7.4%, depending on the calculation, and all six insurers are returning.
- Utah expanded Medicaid to 138% of the poverty level, and most expansion adults will need to meet work requirements starting January 1, 2027.
On this page
What a Utah Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $433 |
| 30 | $601 |
| 40 | $640 |
| 50 | $920 |
| 60 | $1,298 |
| 64 | $1,298 |
| Child under 21 | $343 |
Utah is one of a handful of states that set their own age curve instead of using the federal one. Compared with a 40-year-old, a 21-year-old in Utah pays a smaller share than in most states, and a 30-year-old pays almost as much. At the older end, Utah’s curve reaches its highest rate at 60 and stays there, so a 64-year-old pays about $1,298 a month for the benchmark plan instead of the roughly $1,500 the federal curve would suggest. Two 40-year-old parents with two children would pay about $1,966 a month before any tax credit.
What you’d pay after a tax credit
The premium tax credit caps your cost for the benchmark plan at a percentage of household income if you earn between 100% and 400% of the federal poverty level. A single 40-year-old in Utah earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a credit of about $353 covering the rest. For 2027, that person’s share would be about $289 a month. Over 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), there’s no credit.
Utah enrollees get a lot of help. About 91% received a tax credit or cost-sharing help in 2026, and a quarter of all enrollees paid less than $10 a month. The plans Utahns picked averaged $571 a month before subsidies, and people who got a credit received $499 a month on average.
Costs beyond the premium
Your plan’s deductible, copays and coinsurance add to what you spend when you get care. Those costs stop at the out-of-pocket maximum, which is $10,600 for one person in 2026 and $12,000 in 2027. Cost-sharing reductions on silver plans lower them if your income is under 250% of the poverty level.
Utah Marketplace facts
- Marketplace: HealthCare.gov, the federal exchange.
- Enrollment: 387,336 plan selections for 2026, down from a record 421,890 in 2025.
- Insurers: Six insurers sold 2026 plans, and all six are returning for 2027: SelectHealth, University of Utah Health Plans, Regence BlueCross BlueShield of Utah, BridgeSpan, Imperial Health Plan of the Southwest and Molina. SelectHealth is by far the largest, with about 293,000 enrollees in its rate filing. Aetna left Utah’s Marketplace at the end of 2025.
- 2027 prices: Final. ACA Signups reports an average increase of 7.4%, and healthinsurance.org lists 6.7%. By insurer, healthinsurance.org’s figures range from 3.9% (Regence) and 6% (SelectHealth) to 15.4% (University of Utah Health Plans) and 15.8% (Imperial). See premium increases by state for other states.
- State help: Utah doesn’t have a state premium subsidy, a reinsurance program or an individual mandate, so the federal tax credit is the main help.
- Medicaid: Utah expanded Medicaid after voters approved Proposition 3 in 2018, and full expansion took effect in January 2020. It covers adults up to 138% of the poverty level, and children qualify for Medicaid or CHIP up to 205%. Starting January 1, 2027, most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering, or earn at least $580 a month, unless they’re exempt. Utah also has a law that would end its expansion if federal funding drops below 90%. See Medicaid work requirements.
When to enroll
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Choose a plan by December 15 if you want it to start January 1. Since most Utahns are with SelectHealth, it’s worth comparing its 2027 price against the other five insurers before you renew; see how to lower your Marketplace premium.
Other options in Utah
- Coverage through your job or a spouse’s job, usually the least expensive route when it’s offered.
- Medicaid for adults up to 138% of the poverty level, and Medicaid or CHIP for children; see health insurance for children.
- Medicare at 65.
Health insurance costs in nearby states: Idaho, Nevada, Arizona, Colorado and Wyoming. You can also compare health insurance costs in every state.
See 2027 plans and prices in your Utah county: compare quotes by ZIP code.
Frequently asked questions
How much is health insurance in Utah per month?
Before subsidies, the 2026 benchmark silver plan averaged $640 a month for a 40-year-old. After tax credits, the average Utah enrollee paid $120 a month, and people who got a subsidy paid $68.
Why does a 64-year-old in Utah pay the same as a 60-year-old?
Utah sets its own age curve. Relative to a 21-year-old, it charges more than the federal curve for people in their 30s, 40s and 50s, but its rates stop rising at 60, so everyone from 60 to 64 pays the same price for a given plan.
How much are Utah premiums going up in 2027?
About 7% on average, and the rates are final. ACA Signups puts the average at 7.4% and healthinsurance.org at 6.7%, with individual insurers ranging from 3.9% to 15.8%.
Does Utah Medicaid have work requirements?
Yes, starting January 1, 2027. Most expansion adults ages 19 to 64 will need 80 hours a month of work, school, training or volunteering, or earnings of at least $580 a month, unless they’re exempt.
Sources
This article is general information, not insurance or tax advice. Premiums depend on your county, age, income and plan, and the age estimates above use Utah’s own age curve. Last reviewed September 2026.