Licensed in Utah
Health insurance and Medicare in Utah
Health Insurance Solutions is an independent agency licensed in Utah. Our agents compare ACA marketplace, Medicare and other health plans for people in Utah at no cost to you. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.
Facts reviewed
Utah at a glance for 2027
- Marketplace
- HealthCare.govFederal marketplace
- Open enrollment for 2027
- November 1, 2026 to January 15, 2027
- For coverage on January 1
- Pick a plan by December 15, 2026
- Medicaid
- Expanded in 2020Utah Medicaid
- Medicare plan changes
- October 15 to December 7, 2026
- Medicare counseling
- Utah SHIPFree and unbiased
What changes in Utah for 2027?
Smaller marketplace savings
The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.
Medicaid work requirements
Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger.
Medicare plan changes
Medicare's annual enrollment period runs October 15 to December 7, 2026. If you have a Medicare Advantage plan, you can switch again from January 1 to March 31, 2027.
How much help can I get with health insurance in Utah for 2027?
Enter your household size and expected income to see your estimated 2027 premium and whether Utah Medicaid may apply.
You expect to pay about $289 a month
That is 8.68% of your income for the benchmark silver plan, at 251% of the poverty level. Add the benchmark plan price above to see your tax credit.
Poverty level used: $15,960 for 1 person (2026 guidelines).
Email me this result
Keep a copy for later. Free, and no phone number needed.
This is an estimate, not a quote. Open the full calculator.
How do I get health insurance in Utah?
Mark your dates
Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov.
Check Medicaid and savings
Adults earning up to 138% of the federal poverty level can get Utah Medicaid. Above that, HealthCare.gov shows the savings you qualify for when you apply.
Compare plans with a licensed agent
A Health Insurance Solutions agent licensed in Utah compares the plans available in your ZIP code, explains the tradeoffs and helps you enroll. Our help costs you nothing.
Enroll before the deadline
Pick a plan by December 15, 2026 for coverage that starts January 1, 2027. After open enrollment ends, you usually need a qualifying life event, like losing other coverage or moving, to enroll.
Talk to an agent licensed in Utah
We compare plans, explain the tradeoffs and help you enroll. It costs you nothing.
Get helpWhat should people with Medicare in Utah know?
Medicare dates are the same in every state. Each state sets its own Medigap rules, so that is where Utah differs.
How Medicare coverage works- Annual enrollment period
- October 15 to December 7, 2026. Join, switch or drop a Medicare Advantage or Part D plan for 2027.
- Medicare Advantage open enrollment
- January 1 to March 31, 2027. If you have a Medicare Advantage plan, you can switch to another one or return to Original Medicare.
- Medigap if you are under 65
- No state requirement, so options for people under 65 are limited to insurers that choose to offer them.
- Switching Medigap plans
- A 2025 Utah law gives a yearly 60-day window to switch to a plan with equal or fewer benefits from your current insurer, without health questions.
- Free, unbiased counseling
- Utah SHIP. Find a local counselor at shiphelp.org.
We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.
Plans we help with in Utah
Local guides for Utah cities
Find insurers and hospitals in Utah
Browse state-specific insurer and hospital listings, see the sources, and learn what to confirm before you choose a plan.
Explore Utah insurers and hospitalsUtah health insurance questions
When is open enrollment for 2027 health insurance in Utah?
Open enrollment for 2027 coverage in Utah runs from November 1, 2026 to January 15, 2027 on HealthCare.gov. Pick a plan by December 15, 2026 for coverage that starts January 1, 2027.
Can I get health insurance in Utah after open enrollment ends?
Yes, if you have a qualifying life event. Losing other coverage, moving, getting married or having a baby usually opens a 60-day special enrollment period on HealthCare.gov. Medicaid and CHIP accept applications all year.
Can I still get help paying for a marketplace plan in Utah in 2027?
Yes, if your household income is between 100% and 400% of the federal poverty level. The extra savings that started in 2021 ended after 2025. For 2027, people who qualify pay between 2.15% and 10.22% of household income for the benchmark silver plan, and households above 400% of the federal poverty level get no premium tax credit.
Has Utah expanded Medicaid?
Yes. Utah expanded Medicaid in 2020, so adults ages 19 to 64 with income up to 138% of the federal poverty level can qualify for Utah Medicaid.
Do Medicaid work requirements apply in Utah?
Yes. Federal law requires states that expanded Medicaid to start work requirements by January 1, 2027. Most expansion adults ages 19 to 64 must show 80 hours a month of work, school, job training or volunteering unless they qualify for an exemption, such as being pregnant, having a disability or being the parent of a child 13 or younger.
Can I switch Medigap plans in Utah without health questions?
Yes, in some cases. A 2025 Utah law gives a yearly 60-day window to switch to a plan with equal or fewer benefits from your current insurer, without health questions.
Where can I get free Medicare counseling in Utah?
In Utah, free and unbiased Medicare counseling comes from the State Health Insurance Assistance Program, called Utah SHIP. You can find a local counselor at shiphelp.org.
Is Health Insurance Solutions licensed in Utah?
Yes. Health Insurance Solutions is an independent insurance agency licensed in Utah and 21 other states. Our agents compare plans from multiple insurers and help you enroll, at no cost to you.
Sources
Facts reviewed
Rules change. Confirm dates and eligibility with your marketplace, your state Medicaid agency or Medicare before you enroll.
- Utah Medicaid, Utah's Medicaid program(opens in a new tab)
- HealthCare.gov: Dates and deadlines for 2027 coverage(opens in a new tab)
- Healthinsurance.org: Open enrollment dates by state for 2027 coverage(opens in a new tab)
- IRS Revenue Procedure 2026-26 (2027 premium tax credit percentages)(opens in a new tab)
- NAIC: State Medigap rules, birthday rule and under-65 coverage (May 2026)(opens in a new tab)
- Medicare.gov: Joining a plan and enrollment periods(opens in a new tab)
- SHIP national locator for free Medicare counseling(opens in a new tab)
Other states we serve
- Alaska
- Arizona
- Florida
- Georgia
- Idaho
- Indiana
- Iowa
- Kansas
- Louisiana
- Michigan
- Minnesota
- Missouri
- Montana
- Nebraska
- Nevada
- North Carolina
- Ohio
- Oklahoma
- South Carolina
- Tennessee
- Texas