Updated: December 22, 2025
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The most affordable health insurance options in Utah come from Imperial Health Plan of the Southwest, Inc. at $705 monthly, followed by Blue Cross Blue Shield at $785 and University of Utah Health Plans at $787.
Imperial Health Plan of the Southwest, Inc. offers affordable coverage for teens, children, adults, seniors and young adults, plus leads HMO plans, while other insurers may offer better rates for PPO or EPO coverage.
Utah residents can save $115 monthly with Imperial Health Plan of the Southwest, Inc., which offers the cheapest health insurance at $705 per month compared to the state average.
Blue Cross Blue Shield ranks second at $785 monthly, followed by University of Utah Health Plans at $787. However, expect higher deductibles and out-of-pocket costs with Imperial Health Plan's lower premiums.
| Imperial Health Plan Of The Southwest, Inc. | $705 | $115 | $8,460 | $1,380 |
| Blue Cross Blue Shield | $785 | $35 | $9,420 | $420 |
| University Of Utah Health Plans | $787 | $33 | $9,444 | $396 |
| BridgeSpan | $809 | $11 | $9,708 | $132 |
| Select Health | $885 | $65 | $10,620 | $780 |
| Molina Healthcare | $984 | $164 | $11,808 | $1,968 |
*Average monthly costs represent the mean of all plan rates for each provider, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Average Monthly Rate
Average MOOP
Average Deductible
When searching for the best health insurance provider, personal rates depend on age, selected plan type and chosen metal tier. Consider how monthly premiums balance against deductibles and out-of-pocket limits.
Imperial Health Plan of the Southwest, Inc. provides the most affordable rates across most demographics in Utah. This comes with higher deductibles and maximum out-of-pocket costs.
| Children | Imperial Health Plan Of The Southwest, Inc. | $367 | $4,404 | $5,764 | $3,818 |
| Teens | Imperial Health Plan Of The Southwest, Inc. | $367 | $4,404 | $5,764 | $3,818 |
| Young Adults | Imperial Health Plan Of The Southwest, Inc. | $631 | $7,569 | $5,764 | $3,818 |
| Adults | Imperial Health Plan Of The Southwest, Inc. | $684 | $8,214 | $5,764 | $3,818 |
| HMO | Imperial Health Plan Of The Southwest, Inc. | $684 | $8,214 | $5,764 | $3,818 |
| EPO | Blue Cross Blue Shield | $770 | $9,243 | $5,782 | $3,418 |
| Seniors | Imperial Health Plan Of The Southwest, Inc. | $1,388 | $16,660 | $5,764 | $3,818 |
* These are average rates for all plan types and metal levels, with teens at 18 years old, young adults at 26 years old, adults at 40 years old and seniors at 60 years old. For plan type costs, we used average rates for 40-year-olds.
For 40-year-olds in Utah, Imperial Health Plan Of The Southwest, Inc. dominates the most affordable options across multiple metal tiers.
Expanded Bronze coverage starts at $513 per month, Silver plans cost $684 per month, and Gold coverage runs $766 per month with a $1,125 deductible. Platinum-tier plans are available in the state. Catastrophic and Bronze options are not currently offered through this provider.
| Expanded Bronze | Imperial Health Plan Of The Southwest, Inc. | $513 | $6,156 | $7,500 | $5,625 |
| Silver | Imperial Health Plan Of The Southwest, Inc. | $684 | $8,214 | $5,764 | $3,818 |
| Gold | Imperial Health Plan Of The Southwest, Inc. | $766 | $9,188 | $6,075 | $1,125 |
| Platinum | Select Health | $1,186 | $14,237 | $5,306 | $0 |
Our comprehensive Utah data allows you to narrow choices by your specific situation and budget.
We've collected statewide data for Utah to help you filter options based on your unique situation and budget.
| Select Health | Signature Benchmark Silver 5900 Medical Deductible | $574 | HMO | Silver | $6,207 | No Data | 40 | No |
| Select Health | Value Benchmark Silver 5900 Medical Deductible | $589 | HMO | Silver | $6,207 | No Data | 40 | No |
| Select Health | Value Silver 3000 Medical Deductible | $617 | HMO | Silver | $6,071 | No Data | 40 | No |
| Imperial Health Plan Of The Southwest, Inc. | Imperial Standard Silver | $677 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Imperial Health Plan Of The Southwest, Inc. | Imperial Preferred Silver | $692 | HMO | Silver | $5,871 | $4,536 | 40 | No |
| Select Health | Signature Benchmark Silver Standardized Plan | $712 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Select Health | Value Benchmark Silver Standardized Plan | $730 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Select Health | Med Benchmark Silver 6000 Medical Deductible W/Vision | $734 | HMO | Silver | $6,207 | No Data | 40 | No |
| BridgeSpan | Bridgespan Standard Silver Plan | $794 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Molina Healthcare | Molina Silver Saver With Four Free Pcp Visits | $905 | HMO | Silver | $5,821 | $4,159 | 40 | No |
The following tips will help you find affordable coverage.
Don't automatically pick the lowest-cost Bronze plan. Silver and Gold tiers often deliver better value when you factor in deductibles and copays. If you need regular doctor visits or prescriptions, paying slightly more monthly can save hundreds when you actually use your coverage.
Calculate last year's medical expenses to guide your choice. If you spent $400 on three doctor visits and lab work, a high-deductible plan with a $7,000 deductible could save you $120 monthly versus a Gold plan.
HMO plans deliver premium savings compared to PPO coverage in Utah. You'll need to choose doctors within the network and get referrals for specialists, but the monthly savings make this worthwhile for many families.
Premium tax credits through the Health Insurance Marketplace reduce monthly costs based on household income. Families earning up to $100,000 annually may qualify for assistance, so check your eligibility before buying any plan.
Open enrollment gives you access to all available plans at standard rates. Missing this window forces you to wait until next year unless you experience a qualified life event like marriage, job loss or having a baby.
Verify your preferred doctors and hospitals accept the plans you're considering. Network restrictions vary between insurers in Utah. Call your doctor's office directly to confirm they participate in the specific plan, not just the insurance company.
For Utah residents, Imperial Health Plan of the Southwest, Inc. provides the most affordable rates across multiple coverage levels. Both Blue Cross Blue Shield and University of Utah Health Plans also have competitive pricing options.
Find answers to the most common health insurance questions for Utah residents:
During open enrollment, compare plans across multiple metal tiers from companies such as Imperial Health Plan of the Southwest, Inc., Blue Cross Blue Shield, and University of Utah Health Plans.
Check if you qualify for premium tax credits through the Health Insurance Marketplace. Consider HMO plans for lower rates and balance monthly premiums against deductibles.
Utah health insurance costs an average of $834 per month or $10,012 annually across all plan types and metal levels. Monthly premiums span from $259 to $2,954 varying by age, chosen coverage tier and plan type.
Utah does not require residents to have health insurance. Going without coverage means missing out on federal premium tax credits and cost-sharing reductions, plus having potential medical expenses.
To determine Utah's most affordable health insurance options, we gathered plan information from the federal health insurance marketplace for consumers aged 18 to 60, specifically examining costs for 18, 26, 40, 50 and 60-year-olds. We identified the cheapest overall options by comparing monthly premium costs for 40-year-olds, as this age group is most common demographically and provides clear comparison.
Age-specific rankings reflect their respective premium costs. Keep in mind that lower premiums often come with higher deductibles and out-of-pocket maximums, which could increase your costs when receiving medical care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like 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.
