Cheapest Health Insurance in Utah (2024 Plans)

The metal tier of your health insurance plan is one of the major determinants of your rates. In Utah, Blue Cross Blue Shield offers the most affordable Expanded Bronze plan, and University of Utah Health Plans leads with the least expensive Gold. Meanwhile, SelectHealth provides the cheapest Silver and Platinum plans.

If you're looking to balance monthly premiums with quality claims and coverage, MoneyGeek analyzed the best health insurance in Utah.

The most affordable option in the Silver tier in Utah is the Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth, priced at $471 monthly. As Silver plans are the most common choice, this plan offers a balance between monthly premiums and out-of-pocket costs. Those prioritizing lower monthly costs may prefer Bronze plans, which have higher out-of-pocket expenses.

Health insurance costs are contingent on the metal tier, with each level representing a different balance between monthly premiums and out-of-pocket payments such as deductibles and copays.

Here are the most affordable health insurance plans in Utah from each metal tier:

• Expanded Bronze: SaveWell Bronze 8500 Deductible (Blue Cross Blue Shield) – $361 per month
• Silver: Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits (SelectHealth) – $471 per month
• Gold: U Health Plus Gold Standard (University of Utah Health Plans) – $535 per month
• Platinum: Signature Benchmark Platinum (SelectHealth) – $710 per month

For those under 30 or with a qualifying medical exemption, a Catastrophic plan might also be an option, providing the lowest premiums with higher out-of-pocket costs for health care services.

To learn more about finding cheap health insurance, start your search by comparing plans and rates to fit your needs.

Utah's most affordable Silver-tier health plan is the Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits plan offered by SelectHealth, with an average monthly cost of $471.

The three most affordable Silver plans in Utah are:

• Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth ($471 per month)
• Value Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth ($483 per month)
• SaveWell Standard Silver 5900 Deductible from Blue Cross Blue Shield ($500 per month)

Silver plans are well-suited for customers anticipating medical care and prefer a balance between monthly premiums and out-of-pocket costs. With cost-sharing reductions (CSRs), those who qualify based on income can benefit from reduced copayments, coinsurance and deductibles. Silver plans are particularly beneficial for lower-income families or individuals requiring frequent medical attention.

The U Health Plus Gold Standard plan from University of Utah Health Plans represents the top value in Utah's Gold tier for health insurance, with a monthly cost of $535.

The three most affordable Gold-tier health care plans in Utah are:

• U Health Plus Gold Standard from University of Utah Health Plans ($535 per month)
• U Health Plus Gold from University of Utah Health Plans ($548 per month)
• Gold 3: Aetna network of doctors & hospitals + $0 MinuteClinic + $0 CVS Health Virtual Care 24/7 from Aetna ($557 per month)

Gold plans are particularly suitable for customers who expect to need medical care fairly often. With such a plan, a higher monthly premium is normalized by a lower cost when you need medical services. Therefore, they are ideal for individuals who prioritize lower out-of-pocket expenses throughout the year.

The SaveWell Bronze 8500 Deductible plan from Blue Cross Blue Shield emerges as the most cost-effective choice in the Expanded Bronze tier for residents of Utah, with an average monthly premium of $361. Below are the three most affordable Expanded Bronze plans available:

• SaveWell Bronze 8500 Deductible from Blue Cross Blue Shield ($361 per month)
• U Health Plus Bronze from University of Utah Health Plans ($370 per month)
• Bronze 2 HSA: Aetna network of doctors & hospitals + MinuteClinic + Virtual Care 24/7 from Aetna ($371 per month)

Expanded Bronze plans are suitable for individuals who want lower monthly premiums and can handle potentially higher out-of-pocket costs for medical services. They are ideal for those who are relatively healthy and do not expect to need frequent health care services. Moreover, these plans can be a good option for consumers looking for a balance between monthly costs and out-of-pocket expenses.

Signature Benchmark Platinum from SelectHealth is the most affordable plan in the Platinum tier available to Utah residents at a monthly cost of $710.

The three most affordable Platinum health plans in Utah are:

• Signature Benchmark Platinum from SelectHealth ($710 per month)
• Value Benchmark Platinum from SelectHealth ($729 per month)
• Signature Benchmark Platinum Standardized Plan from SelectHealth ($772 per month)

Platinum plans serve customers who anticipate needing frequent medical care and wish to minimize their out-of-pocket expenses for health care services. They offer the highest monthly premiums, but in return, these plans cover the greatest percentage of medical costs. Customers who prefer predictability in health care spending and are willing to pay higher monthly premiums for lower costs when receiving medical care may find Platinum plans the best option.

Individuals in Utah who earn 250% below the Federal Poverty Level are eligible for cost-sharing reductions on Silver plans, which lowers their deductibles and out-of-pocket costs.

The most affordable Silver plan for individuals with an annual income between $14,580 and $21,870 is the Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth, with a Maximum Out-of-Pocket (MOOP) of $3,000 and a monthly cost of $471.

The two cheapest plans' maximum out-of-pocket costs are:

• Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth (Monthly Cost: $471, Maximum Out-of-Pocket: $3,000)
• Value Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth (Monthly Cost: $483, Maximum Out-of-Pocket: $3,000)

CSRs in Utah are available only through the purchase of Silver plans, and the income figures stated are for single individuals; household size can affect these numbers.

In Utah, a Health Maintenance Organization (HMO) plan is the most popular choice for health care coverage. Utah's most affordable HMO plan is the Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth at $471 monthly.

HMO: Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth ($471 per month)
EPO: SaveWell Standard Silver 5900 Deductible from Blue Cross Blue Shield ($500 per month)

Apart from the favored HMO plans that offer a balance of cost and network freedom, Utah residents can also choose EPO (Exclusive Provider Organization) plans. You can explore the cheapest available rates by plan type in the table below.

Health insurance rates and availability of certain plans can vary by county. Comparing the most affordable plans in the largest and smallest counties in Utah by population shows this variation:

• Salt Lake: Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth ($459 per month)
• Daggett: Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits from SelectHealth ($634 per month)

The following table displays all available plans in each county in Utah.

Age affects health insurance rates in Utah. An 18-year-old pays $318 monthly for a Silver plan, while a 60-year-old spends $1,203. That's a $885 difference. These costs rise with age due to increased expected health care needs.

Metal tiers indicate both coverage levels and costs. A 40-year-old with a Bronze plan in Utah pays an average of $469 monthly, while the same person with a Gold plan pays $642. Gold plans cost $173 more, offering more extensive coverage and lower out-of-pocket expenses.

MoneyGeek broke down all the health insurance options in Utah. We explain private insurance in the marketplace, including the differences between Bronze, Silver, Gold and Platinum plans. We also cover Medicaid and Medicare options. Our goal is to help you understand your choices so you can pick the best health care for you.

The open enrollment period in Utah typically aligns with the federal Health Insurance Marketplace schedule, running from November 1 through December 15 each year. During this time, residents can shop for private health insurance coverage on the marketplace, comparing different plans and selecting the one that best suits their needs. If you miss this enrollment deadline, you may have to wait until the next open enrollment period to get coverage unless you qualify for a Special Enrollment Period (SEP) due to certain life events such as marriage, divorce, the birth of a child or losing other coverage.

Medicaid is a joint federal and state program designed to provide health care coverage to individuals and families with low income. In Utah, Medicaid eligibility is determined based on income, family size and other factors. The program primarily serves children, pregnant women, elderly adults and people with disabilities. Income limits vary by group — for example, pregnant women can qualify with an income up to 198% of the Federal Poverty Level (FPL). By offering essential health care services at reduced or no cost, Medicaid aims to improve access to quality health care for vulnerable populations.

Medicare is a federal health care program primarily for individuals aged 65 and older, though it also covers certain younger people with disabilities and those with End-Stage Renal Disease or ALS. In Utah, eligibility is consistent with federal guidelines. Medicare has several parts: Part A covers hospital insurance, including inpatient care and hospice. Part B provides medical insurance for outpatient services, medical supplies and preventive care. Part C, known as Medicare Advantage, is an alternative private companies offer that includes Parts A and B and often additional benefits like dental and vision. Part D covers prescription drugs.

MoneyGeek found the best Medicare Advantage Plans in Utah and the best Medicare Supplement plans in Utah.

You may have questions about cost and availability when looking for health insurance. MoneyGeek responded to frequently asked questions about cheap private health insurance in Utah to help you learn more.