For 40-year-olds in Utah, the best health insurance comes from BridgeSpan at $794 monthly. The Imperial Health Plan costs $684. That's over $1,300 in annual savings. Select Health charges $698 and connects you to more doctors statewide than competitors. And Molina limits your total yearly costs to $5,583 when hospital stays or surgeries arise.
Best Health Insurance in Utah (2026)
Updated: March 13, 2026
Advertising & Editorial Disclosure
Key Takeaways
BridgeSpan offers the best health insurance in Utah with low monthly premiums, reasonable deductibles and manageable out-of-pocket costs.
Imperial Health Plan has the cheapest monthly rates in Utah, but you'll pay higher deductibles and out-of-pocket costs.
Compare quotes from multiple insurers, check which doctors accept your plan and review what each policy covers before you enroll.
Best Health Insurance Companies in Utah
Overall Value | BridgeSpan | $794 | $5,657 | $3,100 | 4.6 | Bridgespan Standard Silver Plan |
Provider Networks | Select Health | $698 | $5,952 | $3,100 | 4.5 | Signature Benchmark Silver Standardized Plan |
Low MOOP | Molina Healthcare | $916 | $5,583 | $3,368 | 4.3 | Molina Silver Core |
Most Affordable | Imperial Health Plan Of The Southwest, Inc. | $684 | $5,764 | $3,818 | 4.2 | Imperial Standard Silver |
*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.
BridgeSpan
Best for Overall Value
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
5/5Deductible
4.4/5MOOP
Average Monthly Rate
$794Average MOOP
$5,657Average Deductible
$3,100
SelectHealth
Best for Provider Networks
MoneyGeek Rating
4.5/ 5
4.9/5Affordability
5/5Deductible
2.5/5MOOP
Average Monthly Rate
$698Average MOOP
$5,952Average Deductible
$3,100
Molina Healthcare
Best for Low MOOP
MoneyGeek Rating
4.3/ 5
4.2/5Affordability
3.8/5Deductible
5/5MOOP
Average Monthly Rate
$916Average MOOP
$5,583Average Deductible
$3,368
Imperial Health Plan
Best for Most Affordable
MoneyGeek Rating
4.2/ 5
5/5Affordability
2.5/5Deductible
3.5/5MOOP
Average Monthly Rate
$684Average MOOP
$5,764Average Deductible
$3,818
Best Health Insurance in Utah by Category
Health insurance premiums in Utah depend on your age and plan type. Older adults pay more than younger enrollees. Costs also vary if you have an HMO versus an EPO, which affects your deductibles and out-of-pocket costs. Silver-tier premiums range from $367 to $1,610 monthly across insurers.
Best by Age
BridgeSpan HMO plans rank first across all age groups with a 4.58 MoneyGeek score, though EPO alternatives cost less for some ages.
18-Year-Olds | BridgeSpan HMO ($426) | University of Utah Health Plans EPO ($413) | Select Health HMO ($374) |
26-Year-Olds | BridgeSpan HMO ($731) | University of Utah Health Plans EPO ($710) | Select Health HMO ($643) |
40-Year-Olds | BridgeSpan HMO ($794) | University of Utah Health Plans EPO ($770) | Select Health HMO ($698) |
60-Year-Olds | BridgeSpan HMO ($1,610) | University of Utah Health Plans EPO ($1,563) | Select Health HMO ($1,416) |
Best by Plan Type
University of Utah Health Plans' EPO coverage costs $24 less monthly than BridgeSpan's HMO plans for 40-year-olds but carries a $557 lower out-of-pocket maximum.
HMO | BridgeSpan | $794 | $5,657 | $3,100 |
EPO | University of Utah Health Plans | $770 | $5,100 | $3,100 |
How to Choose the Best Health Insurance in Utah
Choosing health insurance in Utah means weighing premiums against deductibles, network access and coverage limits.
- 1Assess your health care needs
Review your prescriptions, doctor visit frequency and any procedures you expect this year. Past medical bills can help estimate future costs and guide your deductible choice.
- 2Compare multiple insurer quotes
Gather quotes from at least three health insurance providers operating in Utah.
- 3Verify provider networks
Confirm that your doctors, specialists and hospitals participate in the plans you are considering.
- 4Review cost-sharing details
Deductibles, copays and coinsurance influence costs. Plans with higher deductibles usually come with lower monthly premiums, while lower deductibles increase monthly costs but reduce out-of-pocket spending.
- 5Evaluate plan types
HMOs, PPOs, EPOs and POS plans differ in how they balance cost and provider access. HMOs keep premiums lower but require referrals for specialist care. PPOs allow direct access to specialists without approval, though monthly costs run higher.
- 6Explore federal programs
Financial assistance and public programs can reduce health insurance costs. If you qualify, review Medicare Advantage or Medicare Supplement plans.
How Much Does Health Insurance Cost in Utah per Month?
Health insurance costs in Utah vary by plan type and metal tier. For Silver coverage, EPO plans are the most affordable at an average of $770 per month, while HMO Silver plans cost slightly more at $775. In the Gold tier, HMO plans offer lower average premiums at $832 compared to $853 for EPO plans. Platinum coverage is only available through HMO plans, with an average monthly cost of $1,186.
Expanded Bronze plans are available for both plan types, averaging $572 per month for EPO plans and $582 for HMO plans. Overall, EPO plans tend to provide greater provider flexibility, while HMO plans deliver cost advantages in higher coverage tiers, particularly Gold and Platinum.
| EPO | $572 | $770 | $853 | No Data |
| HMO | $582 | $775 | $832 | $1,186 |
*Rates are averages for 40-year-olds in Utah. Your rates will vary based on your age and location.
Compare Utah Health Insurance Providers
Health insurance costs and coverage details vary across Utah insurers. Use the table below to filter plans by age, metal tier, plan type and HSA eligibility. Compare premiums, deductibles and out-of-pocket limits to find coverage that fits your budget.
Data filtered by:
HMO
Silver
40
No
| BridgeSpan | $794 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Select Health | $698 | HMO | Silver | $5,952 | $3,100 | 40 | No |
| Molina Healthcare | $916 | HMO | Silver | $5,583 | $3,368 | 40 | No |
| Imperial Health Plan Of The Southwest, Inc. | $684 | HMO | Silver | $5,764 | $3,818 | 40 | No |
Health Insurance Resources in Utah
Finding affordable health coverage doesn't have to be overwhelming. Utah provides programs and agencies to help you compare plans, fix billing problems and access care.
- Got a denied claim or billing dispute? File a complaint with the Utah Department of Insurance at insurance.utah.gov or call 1-800-439-3805 to resolve issues with your insurer.
- Utah Medicaid and CHIP: Covers adults earning up to 138% of federal poverty level, children, pregnant women and people with disabilities. CHIP serves children up to age 19 whose families earn too much for Medicaid. Apply at medicaid.utah.gov or call 1-866-435-7414.
- Health Insurance Marketplace: Open Enrollment runs November 1 to January 15. Shop subsidized plans at HealthCare.gov, or small businesses can use Avenue H. Call 1-800-318-2596 for enrollment help.
- Local health departments and community resources: Find services at dhhs.utah.gov or call 1-801-538-6155.
Best Health Insurance in Utah: Bottom Line
BridgeSpan, Select Health and Molina rank as Utah's top health insurance companies for 2026. BridgeSpan offers the best balance of affordable premiums and comprehensive coverage, while Imperial Health Plan provides cheaper monthly rates but comes with higher deductibles.
Best Utah Health Insurance: FAQ
Utah residents frequently ask about enrollment windows, state coverage requirements and coordinating multiple health plans:
How do I get health insurance in Utah?
Utah residents can get health insurance through Utah's official health insurance marketplace, directly from insurance companies or with help from licensed brokers. Open enrollment runs from November 1 to January 15 each year. You qualify for special enrollment after life changes like marriage, job loss or moving. Many employers offer group health plans too.
Are you required to have health insurance in Utah?
Utah doesn't require health insurance, and you won't face penalties for being uninsured. But without coverage, you pay the full price for medical care. A simple emergency room visit can easily cost several thousand dollars out of pocket.
Can you have multiple health insurance plans in Utah?
Yes, you can have multiple health insurance plans in Utah. Through coordination of benefits, your primary plan pays first, while your secondary plan covers remaining eligible expenses. Common situations include spouses with separate employer plans or combining Medicare with supplemental insurance for broader coverage.
Is Blue Cross Blue Shield good in Utah?
Blue Cross Blue Shield operates in Utah but doesn't rank as your best option for 2026. BridgeSpan, SelectHealth, Molina and Imperial Health Plan lead the state. SelectHealth owns Utah's connection to Intermountain Healthcare, the state's largest hospital system.
Our Review Methodology
Our ranking of the best health insurance providers in Utah focuses heavily on monthly premiums because they create the biggest ongoing financial impact. We also factor in maximum out-of-pocket limits and deductibles, which affect your total yearly costs.
Our Scoring System
We weighted three cost factors:
- Monthly premium (60%): Lower average monthly costs earn higher scores since this payment repeats every month.
- Maximum out-of-pocket (20%): This caps your total yearly spending beyond premiums. Lower limits score better.
- Deductible (20%): This amount comes out of your pocket before coverage starts. Lower deductibles receive higher scores.
Sample Consumer Profile
We reviewed every 2026 plan available in Utah for people ages 18, 26, 40, 50 and 60. Pricing shows rates for 40-year-olds unless we note otherwise. We analyzed all metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.