Utah open enrollment 2027 Open enrollment · Utah

Utah Open Enrollment 2027 for Families

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For families buying their own coverage in Utah, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan for the household does not wait for the window either: if approved, it can start the first of any month.

What 2027 looks like for you

Utah's average 2027 rate change is 6.7% to 7.4% (finalized). The details are on the Utah 2027 premium increase page.

The 2027 subsidy line rises with household size: $109,280 for a household of three, $132,000 for four, and higher for larger families. Marketplace plans charge for at most three children under 21, so a bigger family's premium stops growing after the third child. Utah parents above the line pay full price at every metal level, which is when a side-by-side comparison matters most.

Utah this year

Utah families get one of the smallest finalized 2027 increases on my list, about 7 percent, and six insurers filed, several tied to the state's large integrated health systems. Along the Wasatch Front, from Ogden through Salt Lake City to Provo–Orem, the main decision is often which system's network your children will use; St. George and Logan have their own lineups. Because Utah families tend to be larger and the subsidy line rises with household size, many still qualify for help: the cutoff passes $132,000 for four and climbs further for five or six. Utahns enroll via HealthCare.gov by January 15.

One thing to do before you choose

If you have four or more kids, run the Marketplace numbers before assuming you earn too much, because the subsidy line climbs with every family member and no premium is charged for a fourth or later child under 21. Then confirm your pediatrician's health system is in the plan. Lehi and Salt Lake tech contractors between full-time roles should make sure coverage does not lapse between jobs.

Your checklist

Each family member's doctors and the children's hospital you use
The family deductible and out-of-pocket maximum
Household income against your household-size line
Planned 2027 care: a pregnancy, braces or surgery

Private plan or Marketplace?

Private plan

Whole household healthy, income above the line: each person is approved on their own health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care for a child or parent, or income under the line: HealthCare.gov accepts everyone, and the subsidy grows with household size.

Compare Utah plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Utah. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Utah?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

We have six kids in Utah. Do we pay Marketplace premiums for all of them?

No. Marketplace plans bill for at most three children under 21, so the other three would add nothing to the premium. Your larger household also raises the earnings line for subsidy help. Private plans price each family member separately, so compare both before renewing.

Can I get a private plan in Utah after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Utah

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. 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.