How Much Does Health Insurance Cost in Utah in 2027? About $716 a Month Before Subsidies
Open enrollment is on, and the first number most Utahns run into is a monthly premium. The benchmark Silver plan, the yardstick for health insurance cost in Utah, averages $716 a month for a 40-year-old in 2027, up $76 from $640 in 2026, according to KFF's analysis of marketplace data.
That's the sticker price, and plenty of people don't pay it. A single 40-year-old earning $40,000 pays about $289 a month for that same plan after the premium tax credit. A single 40-year-old earning $63,841 pays all $716. The gap between those two outcomes is the part of this story that rarely makes the headline.
Below, you'll find 2027 monthly prices by plan tier, how far the benchmark has climbed since 2023, and worked examples of what Utahns at different incomes actually pay. Every figure has a named source, and the examples show their math so you can check them. Deadlines and carrier rate filings live in our 2027 open enrollment breakdown. This post is about the dollars.
How Much Does Health Insurance Cost per Month in Utah in 2027?
Before subsidies, the lowest-cost Bronze plan in Utah averages $536 a month in 2027, the lowest-cost Silver averages $661, and the lowest-cost Gold averages $749, all for a 40-year-old, according to KFF. Those are statewide averages weighted by where people enroll, so your county will move the number.
- Lowest-cost Bronze: $536 a month (up $26 from $510 in 2026)
- Lowest-cost Silver: $661 a month (up $47 from $614)
- Benchmark Silver, the second-lowest-cost Silver plan: $716 a month (up $76 from $640)
- Lowest-cost Gold: $749 a month (up $48 from $701)
The benchmark deserves a closer look because your subsidy is built on it. The premium tax credit is calculated from the second-lowest-cost Silver plan in your area, no matter which plan you actually buy.
Here's the other thing: the tiers differ in how much of your care the plan pays on average. Bronze plans pay about 60%, Silver about 70% and Gold about 80%, according to HealthInsurance.org. The lowest-cost Gold plan sits only $88 a month above the lowest-cost Silver. Whether ten more points of coverage is worth $1,056 a year depends on how much care you expect to use. Keep in mind that "lowest-cost" means the cheapest option in each tier, and it may come with a different network than the one your doctor accepts.
How Much Has Utah Health Insurance Gone Up Since 2023?
The benchmark Silver premium in Utah has climbed from $471 a month in 2023 to $716 in 2027, an increase of $245 a month, or 52%, based on KFF's yearly marketplace data. The biggest single-year jump was 2026, at $93 a month, or about 17%.
- 2023: $471 a month
- 2024: $507 a month
- 2025: $547 a month
- 2026: $640 a month
- 2027: $716 a month
That's $2,940 more per year in sticker price than in 2023. The enhanced federal subsidies that held many households' costs down through 2025 expired at the end of that year, and Congress didn't extend them, according to HealthInsurance.org. Enrollment slipped too: 387,336 Utahns signed up for 2026 Marketplace coverage, down from the record set in 2025, based on CMS data reported by HealthInsurance.org.
What Will You Actually Pay After the Premium Tax Credit?
Your premium tax credit equals the benchmark premium minus a set share of your household income, and for 2027 that share runs from 2.15% to 10.22%, according to IRS Rev. Proc. 2026-26. You qualify when household income falls between 100% and 400% of the federal poverty level. For 2027 coverage, 400% works out to $63,840 for one adult and $132,000 for a family of four, using HHS's 2026 poverty guidelines of $15,960 for one person and $33,000 for four. People who are eligible for Medicaid generally can't get Marketplace subsidies, so check medicaid.utah.gov first if your income is low.
Here's the math for a single 40-year-old, using the $716 statewide average benchmark. We slid each percentage along the IRS table's income bands to get a straight-line estimate. Your county, age and plan choice will change the result, so treat these as a map, not a quote.
- $30,000 income (about 188% of poverty level): you're expected to pay about 6.18% of income, or roughly $155 a month. The credit covers about $561.
- $40,000 income (about 251%): 8.68% of income, or roughly $289 a month. The credit covers about $427.
- $63,840 income (exactly 400%): 10.22% of income, or roughly $544 a month. The credit covers about $172.
- $63,841 income: above 400%, so there's no credit and you pay the full $716.
Compare the last two households. One extra dollar of income, $63,841 instead of $63,840, takes a single adult from about $544 a month to $716, a jump of about $172 a month, or $2,068 a year. That subsidy cliff is back after the enhanced subsidies expired, according to HealthInsurance.org. If your income lands near the line, the number you report when you apply matters. The figure that counts is modified adjusted gross income, which some deductions lower, so ask your tax professional before you enroll.
Here's something people miss: you can apply the credit to any metal tier, not just Silver. The $40,000 household's $427 credit against the average lowest-cost Bronze plan at $536 leaves about $109 a month.
Why Won't My Quote Match the $716 Figure?
Your quote will differ from $716 mostly because of age, county and the plan you pick. Federal rules let insurers charge a 64-year-old up to three times what a 21-year-old pays for the same plan, and KFF's figures are for a 40-year-old.
County matters too. Utah has five Marketplace insurers for 2027: BridgeSpan, Regence BlueCross BlueShield of Utah, SelectHealth, University of Utah Health Plans and Imperial Health Plan of the Southwest, according to HealthInsurance.org. Coverage areas vary, so Utahns in different counties can see different carrier lineups. Molina is leaving the Marketplace and will sell only outside the exchange, where subsidies don't apply. Whether you're shopping from Ogden, Farr West or Heber City, the only number that counts is the one tied to your ZIP code and birthdate.
Is the Monthly Premium the Whole Cost of Health Insurance?
No. The most you can owe in a year for in-network essential health benefits is capped at $12,000 for one person and $24,000 for a family in 2027, according to CMS, up from $10,600 and $21,200 in 2026. Premiums don't count toward that cap, and neither do services your plan doesn't cover.
That cap is the ceiling, not the typical bill. What you pay on the way there depends on your deductible, copays and coinsurance, which is where the tiers earn their price differences.
The Bronze-versus-Silver choice is the one worth running numbers on. The average lowest-cost Bronze plan costs $180 a month less than the benchmark Silver, or $2,160 a year, but it pays about 60% of costs on average instead of about 70%. If your household income is at or below 250% of the poverty level, Silver also comes with cost-sharing reductions that lower your deductible and copays, and Bronze doesn't. That line is $39,900 for a single adult and $82,500 for a family of four on the 2026 guidelines.
Frequently Asked Questions
How much does health insurance cost per month in Utah in 2027?
The average benchmark Silver plan costs $716 a month for a 40-year-old before subsidies, and the lowest-cost Bronze plan averages $536, according to KFF. After the premium tax credit, a single adult earning $40,000 would pay about $289 a month for the benchmark plan.
Is health insurance more expensive in Utah in 2027 than in 2026?
Yes. The average benchmark Silver premium rose $76 a month, from $640 to $716, an increase of about 11.9%, according to KFF. The lowest-cost Bronze plan rose $26 a month and the lowest-cost Gold plan rose $48.
What income is too high to get a health insurance subsidy in Utah in 2027?
Household income above 400% of the federal poverty level disqualifies you from the premium tax credit. That's $63,840 for one person and $132,000 for a family of four, based on HHS's 2026 poverty guidelines.
What is the maximum out-of-pocket cost for health insurance in 2027?
The 2027 out-of-pocket maximum for in-network essential health benefits is $12,000 for an individual and $24,000 for a family, according to CMS. Premiums don't count toward it.
Does it cost extra to buy Utah health insurance through an agent?
No. Carriers pay the agent's commission, so premiums are the same whether you buy direct, through HealthCare.gov or through a licensed agent. Here's the difference between a broker and an agent if you're deciding who to call.
The Bottom Line
Utah's benchmark health insurance cost is $716 a month in 2027, but the number that counts is your own, and income, age and county decide it. A single adult at $40,000 pays about $289 on that plan, while one dollar over the $63,840 line means paying the full $716. You have until Dec. 15 to enroll for coverage that starts Jan. 1, and open enrollment closes Jan. 15 for coverage that starts Feb. 1, according to HealthCare.gov. If you're turning 65, Medicare plays by different rules, and we break those down in our Medicare Part B cost guide.
As an independent agency, we put the Utah carriers side by side and run the subsidy math against your actual income, at no extra cost to you. A licensed Utah health insurance agent can pull your exact 2027 numbers in one conversation.
Ready to see your real 2027 number? Call The Insurance Center at (801) 622-2626 or request a free health insurance quote. You can also stop by our Farr West or Heber Valley office.
Premium and subsidy figures are statewide averages and examples for a single 40-year-old, not quotes. Your actual cost depends on age, county, income and the plan you choose. Ask a licensed agent for your exact numbers.
About the Author: Jett Iverson is the Director of Marketing at The Insurance Center, an independent insurance agency serving Northern Utah since 1995. He works alongside licensed agents to help Utah families and businesses understand their coverage options and make confident insurance decisions.
Sources
- KFF, Average Monthly Marketplace Premiums by Metal Tier (updated Nov. 6, 2026)
- HealthInsurance.org, Utah Health Insurance Marketplace Guide (carriers, enrollment, subsidy status)
- IRS Rev. Proc. 2026-26, 2027 premium tax credit applicable percentage table
- HHS ASPE, 2026 Poverty Guidelines
- CMS, 2027 Maximum Annual Limitation on Cost Sharing guidance (Jan. 29, 2026)
- HealthCare.gov, Health Insurance Marketplace open enrollment dates
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