Individual & Family Health Insurance
Health Insurance in Utah for Individuals and Families
No coverage through work? Compare the ways to get covered in Utah, from Marketplace plans with tax credits to short-term coverage, with a licensed local agent who tells you which one actually fits.
Prefer to talk it through? Call 801-449-0889
Open Enrollment for 2027 coverage: November 1 – January 15
Enroll by December 15 for coverage that starts January 1.
Start with the plan type, then the plan
Most people shopping for health insurance on their own compare plans before they compare plan types, and that is how they end up overpaying. In Utah there are four main ways to get covered without an employer plan, and they are not interchangeable: they differ in what they cover, whether you can be turned down, and whether a tax credit can lower the price.
For most households under 65, an ACA Marketplace plan is the place to start, because it is the only option where a tax credit can bring the premium down. We check that first. If you don't qualify for a credit, or you need coverage outside Open Enrollment, we compare the alternatives with you.
- Best fit for most
- Marketplace plans with a tax credit
- Need coverage now?
- A life event can open enrollment
- 65 or older
- Medicare, not Marketplace
- Cost of our help
- Free. Carriers pay agents
Four ways to get covered in Utah
Where each one fits, in a sentence or two.
Marketplace (ACA) plans
Comprehensive coverage that can't turn you down, and the only kind a premium tax credit can pay for. The right first stop for most households.
See Marketplace plans→Off-exchange ACA plans
The same ACA protections bought directly from a carrier. No tax credit, so they mainly suit people whose income is too high to qualify.
Learn about off-exchange→Short-term medical
Temporary coverage between other plans. Lower premiums, but it can exclude pre-existing conditions and is not ACA coverage.
Learn about short-term→Medicaid and CHIP
Utah's free or low-cost coverage for lower-income adults, children, and pregnant women. Our quote page flags it when your income may qualify.
Visit Utah Medicaid→How It Works
Enter your ZIP and household
Ages, household size, and an income estimate. It takes about a minute, and plans start showing as you type.
Compare real plans side by side
Premiums with your estimated tax credit already taken off, plus deductibles and out-of-pocket maximums for the plans in your county.
Apply online or with a local agent
Apply on your own through a secure, certified enrollment platform, or have a licensed Utah agent enroll you. The price is the same either way.
Compare Marketplace plans from Utah's carriers
Find out what you qualify for
Enter your household on our quote page to see Marketplace plans with your tax credit applied. If another option fits better, a local agent will tell you.
Looking for something more specific?
What will health insurance cost me?
The income ranges that decide your tax credit, and the costs that aren't the monthly bill.
See the cost breakdown→I'm self-employed
Estimating a variable income for a tax credit, and the premium deduction employees don't get.
See self-employed options→Turning 65?
Medicare replaces individual coverage at 65. Compare Medicare Advantage, Supplement, and drug plans.
See Medicare options→What Our Clients Say
Frequently Asked Questions
What's the cheapest health insurance in Utah?+
It depends on your income. If you qualify for a premium tax credit, a Marketplace plan is usually the lowest real cost, and a subsidized Silver plan can beat an unsubsidized Bronze plan on both price and coverage. Short-term plans have low premiums but leave out a lot. Check your tax credit before comparing anything else.
Can I buy health insurance any time of year?+
ACA plans, on or off the Marketplace, are sold during Open Enrollment or within a Special Enrollment Period after a life event such as losing coverage, moving, marriage, or a new baby. Short-term medical can usually be bought any time, with the trade-offs that come with it.
Should I get an individual plan or a family plan?+
On the Marketplace, everyone in your tax household who needs coverage is usually on one application, and the tax credit is figured for the household together. Members can sometimes be split across different plans when that saves money, which is worth checking with an agent.
Is short-term health insurance real insurance?+
It is insurance, but it is not ACA coverage. Short-term plans can ask health questions, exclude pre-existing conditions, and leave out benefits like maternity or mental health care. They work as a bridge, not as a replacement for a comprehensive plan.
Do I have to have health insurance in Utah?+
No. There is no federal penalty for going without coverage since 2019, and Utah has no state penalty. The reason to have it is the bill if something happens.
Not sure which kind of plan you need?
A licensed Utah agent can sort it out with you in about 10 minutes, at no cost.