Before subsidies, the average benchmark silver plan for a 40-year-old in Utah costs $716 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Utah by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Utah
People in Utah buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Utah Medicaid covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in Utah come from 6 insurers: Regence BlueCross BlueShield of Utah, BridgeSpan, SelectHealth, University of Utah Health Plans, Imperial Health Plan and Molina Healthcare of Utah. Not every insurer sells in every county. Short-term health plans are sold in the state, though they are not ACA-compliant coverage.
Agent licensing in Utah
- The Utah Insurance Department licenses insurance producers and regulates insurers in the state. Consumers can file complaints with the department online. Source
- Utah's Insurance Department offers an online Licensee Search. Ask the agent for their name and license number, then search to confirm they are licensed for the product they are selling. Source
- Utah resident producers who sell health insurance hold the Accident & Health or Sickness line of authority, which requires passing a licensing exam. Source
Free enrollment help in Utah
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. CMS's current awardee list shows no active Navigator grantee for Utah, so local help comes from Certified Application Counselors and other assisters listed in the tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple Utah carriers in one call.
Call 866-645-8540Health insurance by city in Utah
- Alpine
- American Fork
- Bluffdale
- Bountiful
- Brigham City
- Cedar City
- Cedar Hills
- Centerville
- Clearfield
- Clinton
- Cottonwood Heights
- Draper
- Eagle Mountain
- Enoch
- Ephraim
- Farmington
- Farr West
- Fruit Heights
- Grantsville
- Harrisville
- Heber
- Herriman
- Highland
- Holladay
- Hooper
- Hurricane
- Hyrum
- Ivins
- Kaysville
- Kearns
- Layton
- Lehi
- Lindon
- Logan
- Magna
- Mapleton
- Midvale
- Midway
- Millcreek
- Moab
- Murray
- Nephi
- Nibley
- North Logan
- North Ogden
- North Salt Lake
- Ogden
- Orem
- Park City
- Payson
- Perry
- Plain City
- Pleasant Grove
- Pleasant View
- Price
- Providence
- Provo
- Richfield
- Riverdale
- Riverton
- Roosevelt
- Roy
- Salem
- Salt Lake City
- Sandy
- Santa Clara
- Santaquin
- Saratoga Springs
- Smithfield
- Snyderville
- South Jordan
- South Ogden
- South Salt Lake
- South Weber
- Spanish Fork
- Springville
- St. George
- Stansbury Park
- Summit Park
- Sunset
- Syracuse
- Taylorsville
- Tooele
- Tremonton
- Vernal
- Vineyard
- Washington
- Washington Terrace
- West Bountiful
- West Haven
- West Jordan
- West Point
- West Valley City
- White City
- Woods Cross