Utah open enrollment 2027 Open enrollment · Utah

Utah Open Enrollment 2027 for Self-Employed

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

Short answer

For self-employed people and 1099 contractors 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 does not wait for the window: if approved, it can start the first of any month, which suits income that never arrives on a schedule.

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 subsidy line for 2027 sits at 400% of the federal poverty level: $63,840 for one person and $86,560 for two. For self-employed people the income that counts is net business income after expenses, plus any other household income, and a strong fourth quarter can carry you over the line. Starting with tax year 2026 there is no cap on repaying excess advance credit, so estimate carefully. General information, not tax advice — confirm with your CPA based on your specific entity structure.

Utah this year

Utah posted one of the smallest finalized 2027 increases on my list, about 7 percent, with six insurers filing, several tied to large integrated health systems. Along the Wasatch Front, the real decision is often which system's network you want. Utahns use HealthCare.gov, where enrolling by December 15 secures coverage from January 1 and January 15, 2027, is the last chance. Utah families tend to be larger, and because the subsidy line rises with household size, many still qualify for help. Lehi software contractors, direct-sales distributors, ski-town workers and St. George real estate agents should check where they land.

Work I see most often among Utah's self-employed buyers: 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.

One thing to do before you choose

Run your numbers with your full household size. A Utah family of four keeps Marketplace help up to $132,000 of household income for 2027, so self-employed Lehi and Provo households should check where they land before assuming full price. If you earn above that or are single and healthy, also look at a medically underwritten private policy; approval depends on health screening, it is outside the Marketplace, and benefit details vary. Then decide which health system you want to belong to.

Your checklist

Your Utah renewal notice and its 2027 price
A net income estimate with a cushion
Doctors and prescriptions in each network
A private quote if you are healthy and near the line

Private plan or Marketplace?

Private plan

Healthy and above the line: priced on age, ZIP code and health, not income. 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 may make it the better value.

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.

I'm a direct-sales distributor in Utah County with big commission swings. Does a 7 percent increase mean I can just renew?

Not necessarily. Your own premium change depends on your plan, age and county, and your subsidy depends on 2027 household income. If commissions push you over that income ceiling, the full premium is yours, so check both the renewal and a private option before December 15.

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.