Utah residents have several competitive health insurance options on the ACA marketplace, with meaningful differences in pricing, deductibles and out-of-pocket limits. Based on our analysis, BridgeSpan is the best health insurance company in Utah, while Select Health, Molina and Imperial Health Plan also deliver strong plan offerings across the state. The table below compares average costs, coverage features and top-rated plans from each insurer to help you find the best fit.
Best Health Insurance in Utah (2026)
Updated: January 30, 2026
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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
| BridgeSpan | $794 | $5,657 | $3,100 | 4.6 | Bridgespan Standard Silver Plan |
| Select Health | $698 | $5,952 | $3,100 | 4.5 | Signature Benchmark Silver Standardized Plan |
| Molina Healthcare | $916 | $5,583 | $3,368 | 4.3 | Molina Silver Core |
| 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
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
5/5Deductible
4.4/5MOOP
Average Monthly Rate
$794Average MOOP
$5,657Average Deductible
$3,100
SelectHealth
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
MoneyGeek Rating
4.3/ 5
4.2/5Affordability
3.8/5Deductible
5/5MOOP
Average Monthly Rate
$916Average MOOP
$5,583Average Deductible
$3,368
Best Health Insurance in Utah by Category
Health insurance premiums in Utah depend heavily on your age and plan type. Older adults pay more than younger enrollees, and plan designs like HMO versus EPO affect your deductibles and out-of-pocket costs. Silver-tier premiums range from $367 to $1,610 monthly across insurers. The breakdown below shows the best health insurance options in Utah by age group and plan type.
By Age:
- Teens (18): University Of Utah Health Plans EPO costs $413 monthly, Blue Cross Blue Shield EPO costs $413, and Imperial Health Plan HMO costs $367.
- Young adults (26): University Of Utah Health Plans EPO costs $710 monthly, Blue Cross Blue Shield EPO costs $710, and Imperial Health Plan HMO costs $631.
- Adults (40): University Of Utah Health Plans EPO costs $770 monthly, Blue Cross Blue Shield EPO costs $770, and Imperial Health Plan HMO costs $684.
- Seniors (60): University Of Utah Health Plans EPO costs $1,563 monthly, Blue Cross Blue Shield EPO costs $1,562, and Imperial Health Plan HMO costs $1,388.
By Plan Type:
- HMO: BridgeSpan offers HMO coverage for 40-year-olds at $794 monthly with a $3,100 deductible and $5,657 MOOP.
- EPO: University Of Utah Health Plans charges 40-year-olds $770 monthly with a $3,100 deductible and $5,100 MOOP.
*All rates are averages based on Silver plans for the given category.
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 |
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
Look at how you actually use health care today. 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. If you manage chronic conditions or have planned surgeries, consider the type of care you will need within Utah’s health care system.
- 2Compare Multiple Insurer Quotes
Gather quotes from at least three health insurance providers operating in Utah. Prices and benefits vary across insurers serving Salt Lake City, Provo and nearby areas, even for similar plan types. Comparing options side by side makes it easier to spot differences in premiums, deductibles, and covered services without missing important details.
- 3Verify Provider Networks
Confirm that your doctors, specialists, and preferred hospitals participate in the plans you are considering. Care outside the network often leads to higher bills and may require paying costs upfront. Since provider agreements differ across Utah County, Weber County, and other regions, reviewing network details before enrolling can help you avoid surprise expenses.
- 4Review Cost-Sharing Details
Deductibles, copays and coinsurance shape what you pay when you use your coverage. Plans with higher deductibles usually come with lower monthly premiums, while lower deductibles increase monthly costs but reduce out-of-pocket spending during care. Your out-of-pocket maximum sets a yearly cap, which can be important if you expect frequent medical visits.
- 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. Choose based on how much flexibility you want when managing care.
- 6Explore Federal Programs
Financial assistance and public programs can reduce health insurance costs for eligible Utah residents. Income level, disability status, and age all affect what options are available. If you qualify, review Medicare Advantage or Medicare Supplement plans offered in your area to see whether they better match your needs and budget.
How Much Does Health Insurance Cost in Utah?
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.
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 may 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.
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.