Utah Open Enrollment for 2027 Coverage
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
Open enrollment for 2027 coverage in Utah runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; plans picked December 16–January 15 start February 1. Private, medically underwritten plans don't use the window: if approved, they can start the first of any month.
Key dates for Utah
| What | HealthCare.gov |
|---|---|
| Open enrollment opens | November 1, 2026 |
| Open enrollment closes | January 15, 2027 |
| Deadline for a January 1, 2027 start | December 15, 2026 |
| Plans picked December 16 to January 15 | Start February 1, 2027 |
| Private plans | Any month, if approved |
Utah at a glance
- Where Utah buys Marketplace plans: HealthCare.gov, the federal Marketplace
- 2027 average rate change: 6.7% to 7.4% (finalized)
- Insurers filing individual plans: six
- Small-group average change: about 10.4%
- Largest metro areas: Salt Lake City, Provo–Orem, Ogden and St. George
- Medicaid expansion: Yes (a separate program, not tied to this window)
What changed for 2027
Utah's roughly 7 percent is finalized and among the smallest changes on my list; small-group plans rise about 10.4 percent. A small average helps unsubsidized buyers most, especially early retirees along the Wasatch Front. More detail is on the Utah 2027 premium increase page.
For Utah households buying 2027 coverage, the Marketplace premium tax credit stops at 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. The repayment caps were removed starting with tax year 2026, so any excess advance credit is repaid in full on Form 8962. General information, not tax advice — confirm with your CPA based on your specific entity structure.
Who this year's window matters for in Utah
Utah's finalized increase is one of the smallest on my list, about 7 percent, and six insurers filed, several tied to the state's large integrated health systems. Along the Wasatch Front the main decision is often which system's network you want. Larger Utah families should note that the subsidy line rises with household size.
Self-employed work that is common in Utah, and the people I most often help there: software and tech contractors in Lehi and Salt Lake, construction trades, real estate agents, direct-sales distributors, outdoor-industry and ski-town seasonal workers, and owner-operator truck drivers on I-15 and I-80.
Before you renew in Utah
Utah families with several children should compare how plans price kids: Marketplace plans charge for at most three children under 21, which can change the math for larger households. Lehi and Salt Lake tech contractors between full-time roles should make sure coverage does not lapse between jobs. Along the Wasatch Front, confirm the network includes your health system before you renew.
Should you renew, switch, or look at private?
Auto-renew risk
Do nothing and HealthCare.gov re-enrolls you at the new 2027 price, 6.7% to 7.4% higher on average in Utah.
Healthy, income above the line
Price a private plan in Utah too. If approved, it can start the first of any month, with no wait for Utah's window.
Health conditions or subsidy-eligible income
Use the Marketplace. HealthCare.gov plans can't decline you or charge more for your health.
Checklist before you pick a plan
- Your Utah renewal notice
- The new 2027 premium and deductible
- Doctors and prescriptions still in network, including any care in Salt Lake City or Provo–Orem
- Your 2027 income estimate
Missed it?
After Utah's window closes, a Marketplace plan needs a special enrollment event: losing other coverage, a move, marriage or a baby, generally within 60 days, through HealthCare.gov. Check with Can I enroll now? or the missed open enrollment guide.
Leaving a job in Utah? Utah's mini-COBRA law requires insured employer group plans to offer 12 months of continued coverage to people who are not eligible for federal COBRA, after at least three months on the plan, at no more than 102 percent of the group rate.
Short-term plans, if you only need a bridge: Utah's insurance rule allows short-term plans with an initial term under 12 months and up to 36 months in total, but the Utah Insurance Department told insurers in 2024 to follow the federal three-month initial and four-month total limits, which federal agencies are not currently prioritizing for enforcement. They are not Marketplace coverage.
In Utah, a private, medically underwritten plan needs no event. If approved, it starts the first of a month; approval is not guaranteed.
Compare Utah plans before you renew
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307) is a health insurance broker licensed in 31 states including Utah. Phone or video, English or Spanish, no fee. BBB Accredited (A) and rated 4.9 on Google from 78 reviews. He is independent, not HealthCare.gov or a government agency.
Utah open enrollment questions
When does open enrollment end in Utah for 2027?
January 15, 2027, on HealthCare.gov, the federal Marketplace. Pick a plan by December 15 for a January 1 start in Utah.
What happens if I miss the December 15 deadline in Utah?
You can still enroll through January 15, but a plan picked after December 15 starts February 1.
Can I get a private plan in Utah outside open enrollment?
Yes. In Utah you can apply in any month, and if approved, a private, medically underwritten plan starts the first of a month; the insurer can decline based on health.
Will I be auto-renewed in Utah?
Usually, at the 2027 price: 6.7% to 7.4% higher on average.
Is there a fee to use a broker in Utah?
No. Utah clients pay nothing; the insurance company pays the broker, and Marketplace premiums are the same with or without one.
Does the subsidy line go up for bigger Utah families?
Yes. For 2027 coverage it rises with household size: $63,840 for one, $86,560 for two, $109,280 for three and $132,000 for four, and higher for larger households.
More for Utah
Open enrollment in nearby states
Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. HealthCare.gov is the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Utah and 30 other states, NPN 21032307. Last updated November 3, 2026.