Utah open enrollment 2027 Open enrollment · Utah

Utah Open Enrollment 2027 for Individuals

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

Short answer

For individuals and couples 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 works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

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.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Utah this year

Utah has 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, the main decision is often which system's network you want, and most competitors to the deepest network are HMOs. Utahns can buy through HealthCare.gov or directly from an insurer, but subsidies are available only through HealthCare.gov. For a single tech contractor in Lehi earning above $63,840, a small average increase is good news, though full-price premiums still climb with age.

One thing to do before you choose

Silicon Slopes contractors between full-time roles should make sure coverage does not lapse between jobs. If you are leaving a small employer, Utah's mini-COBRA law gives 12 months on the group plan at no more than 102 percent of the group rate, so put that cost next to a HealthCare.gov plan before choosing. Pick by December 15 if you want the plan to begin January 1.

Your checklist

Each plan's network type in your Utah ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

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.

Can I buy a Utah plan directly from an insurer instead of through HealthCare.gov?

Yes, Utah residents can buy individual coverage either way, but subsidies are available only through HealthCare.gov. If your income is near $63,840, the single-person cutoff, applying through HealthCare.gov keeps that help on the table. Well above it, you pay full price on either route, so compare the plans themselves.

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.