Best Health Insurance in Utah (2026)

BridgeSpan has the best health insurance in Utah for 2026, with a strong balance of competitive premiums, deductibles and out-of-pocket costs. Its plans average $794 per month, with a $3,100 deductible and $5,657 out-of-pocket maximum.

SelectHealth is a good alternative for people whose doctors are in its network. It averages $698 per month and matches BridgeSpan's $3,100 deductible. Imperial has the lowest average premium at $684, but its $3,818 deductible is the highest among our top picks.

Molina has the lowest out-of-pocket maximum at $5,583 but averages $916 per month and is available only in Iron and Washington counties. Compare each insurer's costs, network and availability before enrolling.

* Rates shown are statewide averages for 40-year-olds with Silverr HMO plans.

Health insurance premiums in Utah average $572 to $1,186 per month, depending on plan type and metal tier. EPO plans have lower average premiums for Expanded Bronze and Silver coverage, while HMOs cost less at the Gold tier. Platinum coverage is available only as an HMO, averaging $1,186 per month. In general, higher metal tiers have higher premiums but cover a greater share of health care costs.

* Rates are statewide averages for 40-year-olds in Utah. Your rates will vary based on your age and location. “N/A” indicates that the plan type is not available at the given metal tier in the state.

Silver deductibles across BridgeSpan, SelectHealth, Molina and Imperial range from $3,100 to $3,818. That $718 spread determines your total cost only if you expect to reach the deductible this year. Routine-care users rarely feel that difference in practice.

Utah Silver HMO premiums for 40-year-olds span $232 a month in our analysis. ACA rules allow carriers to charge adults age 64 up to three times what they charge 21-year-olds. Use the age filter to see how that scaling affects your profile.

Medicare is federal health coverage available to adults age 65 and older and to people living with certain qualifying medical conditions. These ACA marketplace plans aren't Medicare. If you or someone in your household is approaching 65 or already eligible, Medicare is a separate enrollment process with different plan types and different open enrollment windows.

Two types of Medicare plans are most relevant for Utah residents:

•  Medicare Advantage plans, replace original Medicare and often include prescription drug, dental and vision coverage through private insurers.
• Medicare Supplement plans, also called Medigap, add coverage for costs original Medicare doesn't cover, such as copays and deductibles, and are bought alongside original Medicare.

Utah provides programs and agencies to help you compare plans, fix billing problems and access care.   

• Denied claim or billing dispute: The Utah Department of Insurance handles complaints at insurance.utah.gov. You can also reach them by phone at 1-800-439-3805.
• Utah Medicaid and CHIP: Medicaid covers adults earning up to 138% of the federal poverty level, along with children, pregnant women and people with disabilities. CHIP extends that coverage to children up to age 19 in families whose income is too high for Medicaid. Apply at medicaid.utah.gov or call 1-866-435-7414.
• Health Insurance Marketplace: Open enrollment is November 1 through January 15. Subsidized plans and enrollment help are available at HealthCare.gov or by calling 1-800-318-2596. Small businesses can use Avenue H.
• Local health departments and community resources: Visit dhhs.utah.gov or call 1-801-538-6155.
• Off-marketplace plans: If your household income is above the subsidy threshold, plans sold directly from carriers outside HealthCare.gov are worth comparing. These plans don't qualify for premium tax credits or cost-sharing reductions. A licensed broker can compare both options before open enrollment closes.

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 scored Utah health insurance providers on three cost factors:

• Monthly premium (60%): Plans with the lowest average monthly cost score highest. The premium repeats every month, so it carries the heaviest weight.
• Maximum out-of-pocket (20%): The MOOP caps total annual spending beyond premiums. Lower limits score better.
• Deductible (20%): The deductible is what you pay before coverage begins. Lower deductibles score better.

Sample profile: We reviewed every 2026 plan available in Utah for ages 18, 26, 40, 50 and 60. Rates shown are for 40-year-olds unless noted. All metal tiers were analyzed: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.