Utah open enrollment 2027 Open enrollment · Utah

Utah Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and 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 is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Utah is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Utah this year

Utah's 2027 increases are relatively mild, a final 6.7% to 7.4% on average, with six insurers selling. Utah also has the largest average household size in the country, so the family premium is the figure that counts. A family of four crosses the subsidy line at $132,000, and larger families have a higher line, yet plenty of Silicon Slopes households in Lehi and Provo clear it anyway. Software contractors, successful direct-sales distributors, construction business owners along the Wasatch Front and St. George real estate brokers fit this group. Utahns enroll on HealthCare.gov: by December 15 for January 1, with the window closing January 15, 2027.

One thing to do before you choose

For a large family, look at the numbers person by person. A full-price Marketplace plan for six or seven people adds up fast, even with a small rate change. A private plan prices each family member on age, ZIP code and health, and approval depends on everyone's health answers, so one person's history can change the result. Ask me to quote the whole family, and if needed, a split where some members go private and others stay on the Marketplace.

Your checklist

How far above the line your 2027 household income will land
The full-price Utah premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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 earn about $140,000 in Lehi and have five kids. Are we over the line?

Possibly not. The 2027 line rises with household size: $132,000 is the figure for four people, and a household of seven has a noticeably higher one. Let me check your exact size against the 2027 numbers before we assume you're full price. If you're under, Marketplace help applies. If you're over, we compare full-price and private plans.

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.