Best Health Insurance in Utah (2026)

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.

When we analyzed every 2026 Silver-tier HMO plan in Utah, the first number that mattered wasn't the winner's premium. It was the spread. The cheapest Silver option costs $684 per month and the most expensive costs $916, a $232 monthly difference or nearly $2,800 annually. That gap is almost entirely explained by network breadth and out-of-pocket structure, not coverage quality.

Utah's exchange is an HMO-heavy market. Every carrier on this page offers HMO plans as their primary product, which means most require you to choose a primary care doctor and get referrals for specialists. The exception is University of Utah Health Plans, which offers EPO coverage, giving you direct specialist access without referrals at premiums $24 below BridgeSpan's Silver rate.

One structural factor shapes nearly every recommendation below: SelectHealth's connection to Intermountain Healthcare, Utah's largest hospital system. If your doctors are part of Intermountain, SelectHealth's network advantage is real. If they aren't, BridgeSpan's RealValue network and lower premiums make a stronger case.

Which Health Insurance Company Is Best in Utah?

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.


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.

The most telling number in that table isn't the premium, it's the MOOP gap. Molina's $5,583 out-of-pocket cap is $74 below BridgeSpan's $5,657, but Molina's monthly premium runs $122 more. A member who hits the out-of-pocket maximum pays $1,464 more in annual premiums with Molina to save $74 on cost exposure. BridgeSpan wins that comparison by $1,390 for members who max out their coverage.

Your priority determines which carrier to read first. If the lowest monthly bill is your main concern, go to Imperial Health Plan. If you expect surgery, hospitalization or ongoing treatment this year, Molina's out-of-pocket cap is the number that matters most. If your doctors are part of Intermountain Healthcare, SelectHealth is your starting point. For everyone else, BridgeSpan's balance of premium, deductible and out-of-pocket costs leads the state.

BridgeSpan

Best for Overall Value

MoneyGeek Rating

4.6/ 5

4.5/5Affordability

5/5Deductible

4.4/5MOOP

Average Monthly Rate
$794
Average MOOP
$5,657
Average Deductible
$3,100

pros
- Silver plans rank first overall
- Doctor On Demand provides 24/7 virtual care
- Advantages program discounts LASIK and eyeglasses
- Expanded Bronze costs $604 with HSA eligibility
cons
- Available in just 17 of Utah's 29 countiesa
BridgeSpan Silver coverage costs $794 monthly for 40-year-olds with $3,100 deductibles and $5,657 out-of-pocket caps.

The RealValue network lets you see specialists without referrals across thousands of Utah doctors. Doctor On Demand connects you to physicians 24/7 at no cost for flu, infections or minor injuries.

Expanded Bronze at $604 qualifies for HSA tax benefits and lower monthly payments, while Gold tier plans cost $856 with $1,500 deductibles and are ideal for frequent medical visits.

In our review, BridgeSpan was the only carrier to rank first on both premium affordability and deductible across Silver-tier HMO plans; no other Utah carrier matched it on both measures at once.
BridgeSpan's coverage gap is geographic. The plan writes policies in 17 of Utah's 29 counties, which leaves rural residents outside the Wasatch Front without access to this carrier entirely. If you live in a rural county and your nearest hospital isn't in BridgeSpan's service area, SelectHealth's Intermountain network at $698 per month or Molina's broader footprint at $916 serve you better.
BridgeSpan health insurance plans in Utah:
Data filtered by:
Metal Level
Expanded Bronze
Bridgespan Standard Bronze Plan $604 HMO Expanded Bronze $7,500 $5,625 Yes


Bridgespan Standard Bronze Plan	$604	HMO	Expanded Bronze	$7,500	$5,625	Yes

SelectHealth

Best for Provider Networks

MoneyGeek Rating

4.5/ 5

4.9/5Affordability

5/5Deductible

2.5/5MOOP

Average Monthly Rate
$698
Average MOOP
$5,952
Average Deductible
$3,100

pros
- Intermountain Healthcare network largest in Utah
- Silver premiums $77 below state average
- Connect Care provides 24/7 virtual visits
- Platinum offers $0 deductibles
cons
- Network size affects premium costs
Select Health owns Utah's connection to Intermountain Healthcare, giving members direct access to the state's largest hospital system and thousands of doctors statewide.

Forty-year-olds pay $698 monthly for Silver HMO, with $3,100 deductibles and $5,952 out-of-pocket caps. Virtual visits through Intermountain Connect Care cost nothing.

Three network tiers let you match coverage breadth to your budget: Med spans the full Intermountain system and Value covers mid-range facilities. Signature focuses on high-performing Wasatch Front locations. Utah's only Platinum option costs $1,186 and eliminates deductibles entirely.

SelectHealth's value case strengthens for members already using Intermountain providers: at $698 per month, it costs $96 less than BridgeSpan for the same $3,100 deductible, with no effective network trade-off for patients inside the Intermountain system.
The Intermountain network is Select Health's core selling point and its main limitation. Members who rely on non-Intermountain providers pay more in out-of-network costs or need to switch doctors. Select Health's $5,952 out-of-pocket maximum is the highest among our top four picks, $369 above Molina's $5,583 cap. Skip Select Health if your current doctors aren't in the Intermountain system and out-of-pocket protection matters more than network breadth. Molina costs $218 more per month but saves up to $369 at the out-of-pocket ceiling.

Select Health health insurance plans for 2026 in Utah:

Data filtered by:


Value Expanded Bronze 6900 Medical Deductible	$485	HMO	Expanded Bronze	$7,500	No Data	Yes
Med Benchmark Expanded Bronze Standardized Plan	$737	HMO	Expanded Bronze	$7,500	$5,625	Yes
Value Benchmark Expanded Bronze Select Copay Plan	$507	HMO	Expanded Bronze	$7,875	No Data	Yes
Med Benchmark Expanded Bronze Select Copay Plan	$647	HMO	Expanded Bronze	$7,875	No Data	Yes

Molina Healthcare

Best for Low MOOP

MoneyGeek Rating

4.3/ 5

4.2/5Affordability

3.8/5Deductible

5/5MOOP

Average Monthly Rate
$916
Average MOOP
$5,583
Average Deductible
$3,368

pros
- Silver out-of-pocket maximum lowest in Utah
- Teladoc provides 24/7 virtual visits at $0
- Insulin capped at $10 per 30-day supply
- My Molina app offers digital ID cards
cons
- HMO-only plans
- Monthly premiums are above state average
Molina Healthcare's Silver plans have $5,583 out-of-pocket maximums, the state's lowest cap. Forty-year-olds pay $916 monthly with $3,368 deductibles for Silver HMO coverage

Board-certified Teladoc doctors diagnose flu, infections and minor health concerns through phone or video at no cost. Gold coverage costs $912 monthly with $1,320 deductibles.

The My Molina app stores your digital ID card, provider directory and claims history for quick access during appointments. Members pay just $10 per 30-day insulin supply.

Across the five Molina Silver plans in our review, out-of-pocket maximums ranged from $5,479 to $5,821: a $342 spread within a single carrier that gives members meaningful control over their annual cost ceiling depending on which plan they select.
Molina's $916 monthly premium is the highest among our four picks, $232 above Imperial and $122 above BridgeSpan. In our analysis, that premium gap rarely pays off for a 40-year-old who uses insurance mainly for annual checkups and occasional urgent care. Molina's low out-of-pocket maximum earns its value for members who expect hospitalizations or major procedures. Routine health needs are better served by BridgeSpan at $794 or SelectHealth at $698, both with the same $3,100 deductible.

Molina health insurance plans in Utah:

Data filtered by:


Molina Silver Core	$909	HMO	Silver	$5,479	$3,193	No
Molina Silver Core Plus With Adult Vision	$914	HMO	Silver	$5,479	$3,193	No
Molina Silver Core Plus With Adult Dental And Vision	$938	HMO	Silver	$5,479	$3,193	No
Molina Silver Standard	$915	HMO	Silver	$5,657	$3,100	No
Molina Silver Saver With Four Free Pcp Visits	$905	HMO	Silver	$5,821	$4,159	No

Imperial Health Plan

Best for Most Affordable

MoneyGeek Rating

4.2/ 5

5/5Affordability

2.5/5Deductible

3.5/5MOOP

Average Monthly Rate
$684
Average MOOP
$5,764
Average Deductible
$3,818

pros
- Silver premiums $91 below Utah average
- Gold saves $66 monthly vs competitors
- Expanded Bronze includes HSA tax benefits
- Behavioral health accessible without referrals
cons
- Limited geographic coverage within Utah
Forty-year-olds looking for Utah's cheapest Silver coverage pay $684 monthly with Imperial Health, $91 below the state average. Deductibles start at $3,818 with out-of-pocket maximums capping at $5,764 for people prioritizing predictable annual costs. For those needing frequent medical care, Gold HMO costs $766 with $1,125 deductibles. Expanded Bronze costs $513 with HSA eligibility, $69 less than competitors for tax-advantaged healthcare savings.

Telehealth services connect you to health care providers through phone or video when urgent situations arise outside office hours. Behavioral health support requires no primary care referrals and eliminates barriers to mental health treatment. Imperial operates in Arizona, Nevada, Texas and Utah through physician-founded care emphasizing wellness and prevention.

Imperial is the only carrier in our review where the standard Silver plan ($677) and preferred Silver plan ($692) differ by just $15 per month, a narrow gap that gives cost-sensitive members access to a broader network for minimal additional cost.
Imperial's low premium comes with the highest deductible among our top picks at $3,818, $718 more than BridgeSpan and Select Health's $3,100 before coverage starts paying. For anyone managing a chronic condition, taking regular prescriptions or expecting elective procedures, that deductible gap erodes the monthly savings quickly. A member who hits Imperial's deductible in the first half of the year will spend more before a single claim is covered than a BridgeSpan member paying the same costs.
Explore Imperial Health Insurance for 2026:
Data filtered by:
Metal Level
Silver
Imperial Standard Silver $677 HMO Silver $5,657 $3,100 No
Imperial Preferred Silver $692 HMO Silver $5,871 $4,536 No


Imperial Standard Silver	$677	HMO	Silver	$5,657	$3,100	No
Imperial Preferred Silver	$692	HMO	Silver	$5,871	$4,536	No

Which Utah Health Insurance Plan Is Best for Your Age and Plan Type?

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 ranks first at every age in our analysis, not because it's cheapest, but because its combination of deductible, out-of-pocket cap and premium holds up across profiles in a way no other carrier matches. SelectHealth costs less at every age and still finishes second. The gap between them narrows slightly at 60, where the $194 monthly difference becomes a more meaningful annual decision.


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)

The age pattern that caught our attention: BridgeSpan's monthly rate climbs from $426 at age 18 to $1,610 at age 60, a 278% increase across the age range. Select Health's rate grows from $374 to $1,416 over the same span. For 60-year-olds, that $194 monthly gap between BridgeSpan and Select Health adds up to $2,328 per year. At that age, the network trade-off is worth running against the premium difference before you choose.

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

The plan type comparison that surprised us most: Gold-tier HMO plans average $832 per month, $21 less than Gold EPO at $853, reversing the Silver-tier pattern where EPO is cheaper. That flip matters for members considering an upgrade from Silver. An HMO Gold plan costs $57 more per month than HMO Silver but cuts the average deductible from $3,100 to well below that threshold. For members who expect to use their coverage regularly, the Gold tier math is worth running against your expected annual spending.

How to Choose the Right Health Insurance Plan in Utah

Choosing health insurance in Utah means weighing premiums against deductibles, network access and coverage limits.

1
Assess your health care needs
Estimate your total annual health spending, not just your monthly premium. In our analysis of Utah's Silver-tier market, deductibles ranged from $3,100 to $3,818 across our top picks. A member who expects one hospitalization or surgical procedure will likely hit that deductible, meaning the plan's monthly rate matters less than how quickly coverage takes effect. Review last year's medical bills and prescription costs before comparing quotes.
2
Compare multiple insurer quotes
Gather quotes from at least three health insurance providers operating in Utah.
3
Verify provider networks
Confirm that your doctors, specialists and hospitals participate in the plans you are considering.
4
Review cost-sharing details
Cost-sharing varies more than the premium line suggests. In our review of Utah's top Silver-tier HMO plans, out-of-pocket maximums ranged from $5,583 (Molina) to $5,952 (Select Health), a $369 spread that matters most during a high-cost medical year. A plan with a $232 monthly premium difference but a $369 lower out-of-pocket maximum may cost more overall if you stay healthy. Run both scenarios before you choose.
5
Evaluate 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.
6
Check 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:


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. In our analysis of every Silver-tier HMO plan in the state, BridgeSpan's combination of a $794 monthly premium, $3,100 deductible and $5,657 out-of-pocket cap produced the strongest overall value score. No other carrier matched that balance across all three cost factors at once.

My recommendation for most Utah residents who don't have strong ties to the Intermountain Healthcare system: start with BridgeSpan. If your doctors are part of Intermountain, Select Health's network advantage justifies its $698 monthly rate. And if you expect a high-cost medical year surgery, ongoing treatment or hospitalization, Molina's $5,583 out-of-pocket cap offers the strongest financial floor in the state.

Compare quotes from all four carriers using the tool below to see how your age adjusts these figures.

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. If cost is the barrier, check whether you qualify for Medicaid or marketplace subsidies at HealthCare.gov before going uninsured.

Can you have multiple health insurance plans in Utah?

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.

What's the difference between an HMO and EPO plan in Utah?

HMO plans require you to choose a primary care doctor and get referrals before seeing a specialist. EPO plans skip the referral requirement, giving you direct specialist access, but still limit you to an in-network provider list. In Utah's 2026 exchange, every carrier in our top four offers HMO plans. University of Utah Health Plans is the only carrier offering EPO coverage. EPO plans average $770 per month at the Silver tier versus $775 for HMO Silver, a $5 monthly difference that's unlikely to drive your decision. The referral requirement is.

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.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has analyzed the insurance market for almost a decade, first with LendingTree and now with MoneyGeek, conducting original research on hundreds of insurance companies and millions of insurance rates for insurance shoppers.

He writes about economics and insurance on MoneyGeek, breaking down complex topics so people can have confidence in their purchase. Like all MoneyGeek analysts, Mark collects and analyzes independent cost and consumer experience data on insurance companies to provide objective recommendations in our content that are independent of any of MoneyGeek's insurance company partnerships.

His insights on products ranging from car, home and renters insurance to health and life insurance have been featured in The Washington Post, The New York Times and NPR, among others.

Mark holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He started his career working in financial risk management at State Street before transitioning to the analysis of the personal insurance market. He's also a five-time Jeopardy champion!

Read Full Bio »

Best Health Insurance in Utah (2026)

Which Health Insurance Company Is Best in Utah?

BridgeSpan

SelectHealth

Molina Healthcare

Imperial Health Plan

Which Utah Health Insurance Plan Is Best for Your Age and Plan Type?

Best by Age

Best by Plan Type

How to Choose the Right Health Insurance Plan in Utah

How Much Does Health Insurance Cost in Utah per Month?

Compare Utah Health Insurance Providers

Health Insurance Resources in Utah

Best Health Insurance in Utah: Bottom Line

Best Utah Health Insurance: FAQ

How do I get health insurance in Utah?

Are you required to have health insurance in Utah?

Can you have multiple health insurance plans in Utah?

Is Blue Cross Blue Shield good in Utah?

What's the difference between an HMO and EPO plan in Utah?

Our Review Methodology

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