Health Insurance in Utah

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 $20,780 for a single person in 2026). 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 2026

Utah marketplace premiums are moderate, benefiting from the state's younger-than-average population and competitive provider market. A benchmark Silver plan for a 40-year-old ranges from about $400 to $550 per month before subsidies in the Wasatch Front area, with rural counties running higher.

Utah had roughly 230,000 marketplace enrollees in 2025. With enhanced subsidies expiring after 2025, the subsidy cliff returns at 400% FPL (about $62,160 for a family of two). 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 (2026)

Multiple insurers offer individual marketplace plans in Utah for 2026:

• 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. For many Utah counties, SelectHealth is the primary or only option.
• University of Utah Health Plans offers marketplace plans in the Wasatch Front area. 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.
• Molina Healthcare offers plans in select Utah counties, primarily along the Wasatch Front. Molina focuses on affordable plans with lower premiums, though networks tend to be narrower.
• Ambetter from Healthy U (a Centene subsidiary) offers plans in select counties. Ambetter typically offers competitive pricing with a managed-care approach and narrower networks.

The Salt Lake City to Provo corridor has the best carrier competition, with three or four options in most counties. Rural counties in southern and eastern Utah may have only SelectHealth.

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. SelectHealth is often the only marketplace option, and specialist care may require travel to Salt Lake City.

Estimate your subsidy

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 $130,600. Larger families are more likely to qualify for meaningful subsidies even with the cliff back in 2026.

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