Utah Health Insurance Rates for 2027: What Is Changing
Average individual-market change
6.7% to 7.4%
Status
Final rates
Small-group average change
10.4%
Insurers filing
6
2027 out-of-pocket max
$12,000 / $24,000
Utah has one of the smallest finalized 2027 increases on this list, about 7 percent in the individual market, with small-group plans up about 10 percent. Six insurers filed individual plans, several of them tied to Utah's large integrated health systems.
Utahns enroll through HealthCare.gov. Utah's Marketplace grew sharply while enhanced credits were available, and many families, who tend to be larger in Utah, still qualify for credits because the income line rises with household size. Along the Wasatch Front, the main decision is often which health system's network you want.
Utah's relatively small increase is good news for unsubsidized buyers, but early retirees along the Wasatch Front still face high full-price premiums in their sixties and should compare private plans as well.
Private health insurance in Utah
Most people I help in Utah end up on a private plan, not a Marketplace plan. Private, medically underwritten health insurance is priced on your age, zip code and health instead of your income, so a strong year never raises your premium and there is no tax credit to pay back in April.
Why people leave the Marketplace
- Premiums keep climbing. Utah Marketplace premiums are rising 6.7% to 7.4% on average for 2027.
- The subsidy cliff. Above 400 percent of the poverty level ($63,840 for one person, $132,000 for a family of four) you pay full price.
- Surprise tax bills. Underestimate your income and you repay the tax credit in April.
- Narrow networks. Many plans are local HMOs or EPOs that need referrals and cover little outside the area.
- High out-of-pocket costs. 2027 out-of-pocket maximums reach $12,000 per person and $24,000 per family.
- One window a year. Outside open enrollment you need a qualifying life event to enroll or switch.
What a private plan does differently
- Start any month. If approved, coverage can begin the first of next month, with no wait for open enrollment.
- Networks that travel. Many private plans use national PPO networks, which can give you in-network doctors outside Utah too. Networks vary by plan.
- Can cost less than full-price Marketplace plans for some healthy applicants above the subsidy line.
- Accident coverage the Marketplace does not offer. A private plan can be paired with accident coverage, a separate policy. What it includes varies by plan.
- Approval is based on health. You answer health questions, and acceptance is not guaranteed.
With a significant health condition, or income low enough for a large tax credit, a Marketplace plan can be the better fit, and I will tell you if it is. Either way you see both side by side.
Private plans are not ACA Marketplace plans. Benefits, exclusions and pre-existing condition rules differ by plan and by state, so review the plan details before you enroll.
Get a private plan quoteLearn more: coverage not based on income · how underwriting works · private vs Obamacare · PPO plans for individuals · switching from the Marketplace
Who feels the Utah increase
If your household gets a premium tax credit, your payment for the benchmark silver plan is capped as a share of income, so most of a rate increase is absorbed by a larger credit. If your household earns more than 400 percent of the poverty level for 2027, $63,840 for one person or $132,000 for a family of four, there is no credit and you pay the full 6.7% to 7.4% increase. The subsidy cliff guide explains the line. Healthy and above that line? Compare private health insurance in Utah, priced on age, ZIP and health instead of income, if approved.
Where and when to enroll in Utah
Utah residents enroll through HealthCare.gov. Open enrollment runs November 1, 2026 to January 15, 2027; choose by December 15 for coverage starting January 1. Private, medically underwritten plans are not tied to open enrollment and can start the first of any month if you are approved.
Utah 2027 rate questions
How much are Utah premiums going up in 2027?
About 7 percent on average for the individual market and about 10 percent for small-group plans, based on final rates.
How many insurers sell Utah Marketplace plans?
Six insurers filed individual-market plans for 2027.
Do larger Utah families still qualify for tax credits?
Often, because the 400 percent income line rises with household size. A family of six has a much higher line than a couple.
What is the 2027 out-of-pocket maximum for Utah Marketplace plans?
The federal limit for 2027 is $12,000 for one person and $24,000 for a family, up from $10,600 and $21,200 in 2026. It applies to every ACA-compliant plan in Utah, and individual plans can set a lower limit.
Sources: rate-filing trackers at healthinsurance.org (rechecked November 11, 2026) and ACASignups.net. Averages are across insurers; your own renewal depends on your plan, county and age. More on health insurance in Utah. Esta página en español.
Other states
Written by Frank Caballero, licensed health insurance agent, NPN 21032307. Last updated November 11, 2026.