Updated: September 5, 2024
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Best Health InsuranceUtahBest Health Insurance in Utah
Why Trust MoneyGeek? We downloaded plan data for Utah directly from the Centers for Medicare & Medicaid Services (CMS). MoneyGeek’s scoring methodology balances costs, claims approval and plan types to find the best providers in the state.
Plan data was updated with the CMS exchange data released in October 2023 for the 2024 enrollment period.
Imperial Health Plan of the Southwest got a MoneyGeek score of 72 out of 100 for health insurance in Utah.
The provider has strong plan options, low out-of-pocket costs and a record of fewer claim denials compared to other providers.
In our study, we looked at 12 Silver EPO and 18 Silver HMO plans in Utah.
Offers affordable premium rates
Very few claims denied
Limited plan options available
Higher out-of-pocket costs
MoneyGeek's top pick for the best health insurance in Utah is Imperial Health Plan of the Southwest. It offers two Silver HMO plans at an average plan rate of $526 per month. The average MOOP cost for these plans is $8,975.
The best provider offers Silver HMO plans. HMO plans are known for having a network of doctors that members must use to get coverage.
The average plan rate for its offered HMO plans is $526, and the average maximum out-of-pocket cost is $8,975.
Imperial Health Plan of the Southwest has a denial rate of 0%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following Silver plans:
Imperial Health Plan of the Southwest offers the best health insurance in Utah for low out-of-pocket costs with a MoneyGeek score of 66 out of 100.
The company offers plans with competitive rates and has a better than average rate of not denying claims.
For this analysis, a total of eight Gold EPO plans and 21 Gold and Platinum HMO plans were evaluated in Utah.
Affordable premium rates
Very few claims denied
Relatively high maximum out-of-pocket costs
Fewer types of plans offered
MoneyGeek's top pick for the best health insurance in Utah for low out-of-pocket costs is a company that offers two Gold plans. These plans are known for their lower maximum out-of-pocket costs, which can help save money. The company provides HMO plans, which means you might need to see your primary doctor before going to a specialist.
Imperial Health Plan of the Southwest offers an average plan rate of $614, and the average maximum out-of-pocket cost for these plans is $8,350.
The provider has a denial rate of 0%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following Gold and Platinum plans:
Imperial Health Plan of the Southwest offers the best cheap health insurance in Utah with a MoneyGeek score of 82 out of 100. The provider has rates lower than average for plans, has fewer claims denied compared to other providers and offers a variety of plan options.
For this category, we evaluated 30 Silver plans in Utah, which included 12 Silver EPO plans and 18 Silver HMO plans. Plans with lower monthly premiums were weighted more heavily in determining the best cheap health insurance provider, and generally, lower premiums may come with higher out-of-pocket costs.
Few claims denied
Affordable premium rates
Limited plan options available
Higher maximum out-of-pocket costs
MoneyGeek's top pick for the best cheap health insurance in Utah is the company offering two Silver plans. This gives people in Utah good choices for health care that don't cost too much.
The best provider has Silver HMO plans. HMO plans usually mean you pick a primary doctor and get care within a certain network.
Imperial Health Plan of the Southwest offers an average plan rate of $523, and the average maximum out-of-pocket cost for these plans is $8,975.
The company has a denial rate of 0%, which is lower than most of the competition.
Plan Recommendations
MoneyGeek recommends the following cheap Silver plans:
Imperial Health Plan of the Southwest offers the best health insurance in Utah for those with low income, scoring 76 out of 100.
It has rates lower than average, experiences fewer claim denials compared to other providers, but has higher out-of-pocket costs.
In Utah, we evaluated 12 Silver EPO plans and 18 Silver HMO plans.
MoneyGeek placed more importance on plans with low monthly premiums and included only those with cost-sharing reductions. CSRs reduce your out-of-pocket costs and deductible if you earn less money, so you don't have to choose between lower monthly costs and paying more when you see a doctor. Usually, a Silver plan pays for 70% of health costs, but with CSRs it can pay:
These income levels change if your family is bigger.
Low premium rates
Very few claims denied
Limited plan options with an average provider type score of 2.0.
MoneyGeek's top pick for the best health insurance in Utah for those with low income is Imperial Health Plan of the Southwest. This provider offers cost-effective plans for people earning less than 250% of the FPL. The company provides two Silver CSR plans at an average cost of $523 per month and an average MOOP of $7,375.
Imperial Health Plan of the Southwest does not offer any PPO or POS plans, but its EPO plans usually have lower monthly premiums. The company's denial rate is 0%, which means the company approves claims more frequently than competitors.
Plan Recommendations
Imperial Health Plan of the Southwest's top-rated plan offers lower out-of-pocket expenses for the same premium for people in different income brackets. Here are some of the lower overall out-of-pocket costs based on income levels:
Imperial Health Plan of the Southwest offers the best health insurance in Utah for young adults with a MoneyGeek score of 60 out of 100.
The provider offers the cheapest plan options and is better than most at not denying claims.
We evaluated 18 Expanded Bronze EPO plans and 10 Expanded Bronze HMO plans for this category. Only individuals under the age of 30 can get Catastrophic coverage.
Affordable premium rates
Very few claims denied
Variety of plan types offered
MoneyGeek's top pick for the best health insurance in Utah for young adults is Imperial Health Plan of the Southwest. This provider offers one Expanded Bronze plan for those considering a level of coverage that's often chosen by young people because it matches their reduced need for medical services.
This provider does not offer PPO or POS plans, which often include more choices for out-of-network care. However, EPO plans, a common option it provides, allow for lower costs when you choose providers within its network.
The company offers an average plan rate of $285, and the average maximum out-of-pocket cost for these plans is $9,400. Imperial Health Plan has a lower denial rate than most of the competition, meaning your insurance claim is more likely to be accepted.
Plan Recommendations
MoneyGeek recommends the following plans for young adults:
Health insurance companies have lots of different plans. The best providers for all plan categories in Utah are:
Only Silver plans were looked at for these suggestions. These plans are pretty neat because they help balance what you pay each month with what you might pay when you go to the doctor or get medicine. That makes Silver plans a smart choice for people who might need to see the doctor more than once in a while, but still want to keep costs in check.
There are 12 Silver EPO plans and 18 Silver HMO plans you can pick from in Utah.
MoneyGeek's top pick for the best health insurance in Utah for Silver EPO plans is Blue Cross Blue Shield, which provides five different plans. It offers an average plan rate of $553, and the average maximum out-of-pocket cost for these plans is $9,321. Blue Cross Blue Shield has a denial rate of 17.38%, which is just below the halfway point of rates MoneyGeek sees, so the company denies fewer claims than average.
Silver EPO plans have pros and cons. One benefit is you may not need a referral to see a specialist. Also, they're popular, being the third most common plan type. A drawback is you must stay within your plan's network unless there's an emergency, which can limit your choices.
Plan Recommendations
We suggest the following Silver EPO plans from Blue Cross Blue Shield:
In Utah, MoneyGeek's top pick for the best health insurance for Silver HMO plans is Imperial Health Plan of the Southwest. It offers two plans. The company offers an average plan rate of $523, and the average maximum out-of-pocket cost for these plans is $8,975. The provider has a 0% denial rate, which means it approves all eligible claims.
Silver HMO plans are often less expensive than other types of health insurance. One downside is that you need to stay within the provider network to have services covered, unless it's an emergency. Also, if you want to see a specialist, you need a referral from your primary doctor. But, they can be a good choice if you want lower monthly payments, and the in-network doctors are okay for you.
Plan Recommendations
We suggest the following Silver HMO plans from Imperial Health Plan of the Southwest:
National General Accident & Health has a rating of 95 out of 100 from MoneyGeek, making it the leading provider of short-term health insurance in Utah. Short-term health insurance is perfect for filling coverage gaps temporarily since it doesn't provide all the essential health benefits that are offered with Affordable Care Act (ACA) compliant policies.
Our top choice among Utah's insurance providers for short-term health insurance is National General Accident & Health because of its comprehensive coverage limits, adjustable term lengths and reasonable out-of-pocket maximums. It also offers a range of deductibles, copays and co-insurance, making it convenient for you to choose a plan that best suits you.
Your medical needs and financial requirements should be considered while looking for the best health insurance in Utah. You may consider paying higher monthly premiums in exchange for lower out-of-pocket costs for medical care or vice versa.
If you're shopping for medical insurance, you may find the following advice helpful.
Health insurance plans have networks of doctors and hospitals. In-network means the doctors and hospitals have a deal with the insurance plan to charge less. Out-of-network means there is no deal, so it costs more. Some plans in Utah let you use doctors out of the network but charge you more, while other plans won't pay for those doctors at all.
There are 12 EPO plans and 18 HMO plans in Utah.
When choosing health insurance, it's important to look for the right balance. You have to consider how much you pay each month and the most you'd pay for medical services in a year.
Some people might choose to pay a higher monthly cost. This can mean they pay less when they need a doctor or hospital.
The Silver health plan called Imperial Preferred Silver has a lower MOOP of $8,850, compared to another plan. The monthly cost for this plan is $526.
This cost is more than the average cost of Silver plans from the same company. But if you need to see the doctor a lot, it could be a good choice.
People over the age of 65, as well as those with qualifying disabilities or illnesses, are eligible for Medicare, a federal health care program. The monthly payments of these plans depend on the plan type and policyholder's income, and they consist of three components:
Utah also offers Medicaid, a free federal program. Expanded Medicaid is available in Utah, making it possible for people to qualify for Medicaid programs solely based on their income. Your income must be less than 138% of the federal poverty level in order to qualify.
When shopping for health insurance policies, availability and cost might be major considerations. MoneyGeek addresses some questions about health insurance in Utah.
The best health insurance in Utah for 2024 is provided by Imperial Health Plan of the Southwest. However, the best choice for you will depend on your unique circumstances and needs.
Choose a plan that provides the necessary benefits and adequate coverage for a reasonable monthly payment. Only a percentage of your medical needs may be covered by cheaper insurance plans. You should be aware of the elements that matter most in order to define "sufficient."
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
