Medicaid in Utah
Utah expanded Medicaid effective January 2020. Voters passed Proposition 3 in November 2018 for full expansion to 138% FPL, but the state legislature modified the measure in 2019, initially implementing a partial expansion to 100% FPL. After federal CMS rejected the partial approach, Utah moved to full expansion at 138% FPL (about $22,025 for a single person for 2027 coverage). Roughly 90,000 Utahns have enrolled through expansion.
Before expansion, childless adults had no Medicaid option in Utah. Parents qualified at very low income thresholds. The expansion was particularly significant for adults in rural Utah, where employer- sponsored coverage is less common.
Utah's uninsured rate is approximately 7.9%, with about 260,000 residents lacking coverage. Despite expansion, Utah's uninsured rate remains above the national average, partly because the state has a large young adult population and a high share of self-employed and gig workers.
What plans cost in 2027
KFF puts Utah's average benchmark Silver premium for a 40-year-old at $716 a month for 2027, up from $640 in 2026 (about 12% higher). Rural counties tend to have fewer choices than the Wasatch Front.
Utah had roughly 230,000 marketplace enrollees in 2025. The enhanced subsidies expired after 2025 and were not extended, so for 2027 there is no premium tax credit above 400% FPL (about $86,560 for a household of two). Open Enrollment for 2027 coverage runs from November 1, 2026, through January 15, 2027, on HealthCare.gov. Enroll by December 15 for coverage that starts January 1. Utah's large families (the state has the highest average household size in the nation) mean that FPL thresholds scale up quickly, so many larger families will still qualify for substantial subsidies even under the standard rules.
Carriers in Utah (2027)
Five insurers offer individual marketplace plans in Utah for 2027. Molina and Ambetter are not on the 2027 list:
- SelectHealth is the dominant marketplace carrier, owned by Intermountain Health (formerly Intermountain Healthcare). SelectHealth offers plans statewide and has the broadest provider network in Utah, including all Intermountain hospitals and clinics. It has more 2027 marketplace plans than any other Utah insurer.
- University of Utah Health Plans offers marketplace plans along the Wasatch Front and in some rural counties, including Washington and Grand. Their network centers on the University of Utah Health system, including University Hospital and Huntsman Cancer Institute. A strong option if you use U of U providers.
- Regence BlueCross BlueShield of Utah and its sister company BridgeSpan Health (both part of Cambia) offer plans along the Wasatch Front, including Salt Lake, Utah, and Weber counties.
- Imperial Health Plan of the Southwest offers plans in Salt Lake and Utah counties.
Salt Lake County has all five insurers for 2027. Utah and Weber counties have four. Washington County (St. George) and Grand County (Moab) have two: SelectHealth and University of Utah Health Plans.
Key regions
Salt Lake City metro
Salt Lake County is the population center of Utah. Intermountain Medical Center, University of Utah Hospital, St. Mark's Hospital (HCA), and MountainStar Healthcare facilities are the major systems. This area has the most carrier competition and generally the lowest premiums in the state. Multiple carriers means more plan and network options.
Utah County (Provo-Orem)
Utah County is the second largest and one of the fastest growing in the state. Utah Valley Hospital (Intermountain) is the anchor facility. Multiple carriers serve this area. The young demographic (driven by Brigham Young University and family size) means a healthier-than-average risk pool.
Weber/Davis counties (Ogden area)
The northern Wasatch Front is served by McKay-Dee Hospital (Intermountain) and Ogden Regional Medical Center. Multiple carriers operate here, though with slightly fewer options than Salt Lake County.
Rural southern and eastern Utah
St. George (Washington County) is growing rapidly but still has fewer carrier options than the Wasatch Front. Dixie Regional Medical Center (Intermountain) is the major facility. Grand County (Moab), San Juan County, and other remote areas have very limited healthcare infrastructure. Marketplace choices are limited, and specialist care may require travel to Salt Lake City.
Estimate your subsidy
Subsidy Estimator
Enter your info below to get a rough estimate of your monthly premium tax credit for a 2027 marketplace plan.
Utah-specific things to know
Large families benefit from FPL scaling. Utah has the largest average household size in the nation. The federal poverty level thresholds increase with household size: 400% FPL for a family of six is about $177,440 for 2027 coverage. Larger families are more likely to qualify for meaningful subsidies even with the cliff back.
Intermountain Health dominates the provider landscape. Intermountain operates 24 hospitals and hundreds of clinics across Utah. Their insurance arm, SelectHealth, naturally includes all Intermountain providers. If you use Intermountain doctors and hospitals, SelectHealth is the most seamless option. Other carriers may include Intermountain facilities in their networks, but verify before enrolling.
Free enrollment assistance.Take Care Utah and community health centers across the state provide free enrollment help for marketplace and Medicaid applications. Utah's Eligibility and Enrollment system also allows online Medicaid applications directly through the state.
Resources
- HealthCare.gov for marketplace enrollment (Utah uses the federal marketplace)
- Utah Medicaid for Medicaid eligibility and enrollment
- Take Care Utah for free enrollment assistance and consumer resources