Utah health insurance plans
How individual and family health coverage works in Utah, in plain language.
ACA Open Enrollment opens November 1st
Take a look at Utah plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.
Where Utah residents shop
Utah residents who buy their own coverage shop on HealthCare.gov (federal Marketplace) at www.healthcare.gov/utah/. That is also where income-based help with monthly premiums (premium tax credits) is applied. Enrollment follows the federal HealthCare.gov calendar.
Because Utah's SHIP counselors are staffed through both the Insurance Department and the Division of Aging and Adult Services, coverage reaches every county rather than sitting in one centralized call center -- a structure that carries over into in-person help at local senior centers.
Enrolling
Open enrollment dates are set by the marketplace and can change from year to year, so confirm this year’s window on the marketplace site before you plan around it. Outside open enrollment you generally need a qualifying life event, such as losing other coverage, moving, or a change in household size.
What affects the plans you see
- Where you live. Plans and premiums are set by area within Utah, so your county matters. Find your county.
- Income and household size. These determine help with premiums and whether you may qualify for Medicaid instead.
- Plan level. Metal levels (Bronze, Silver, Gold, Platinum) trade a lower monthly premium against higher costs when you use care.
File a new Medicaid application or update an existing one at medicaid.utah.gov, the Utah Department of Health and Human Services' enrollment site.
Utah plan shoppers and anyone checking subsidy eligibility use HealthCare.gov directly -- there's no Utah-run alternative marketplace.
Utah's SHIP counselors (1-800-541-7735) answer Medicare questions at no charge as a joint program between the Utah Insurance Department and the Division of Aging and Adult Services, apart from what Utah Medical Insurance offers by phone.
Questions
Where do I shop for ACA health plans in Utah?
Utah residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/utah/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Utah?
Medicaid in Utah is run through Utah Department of Health and Human Services (DHHS) (https://medicaid.utah.gov). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Utah?
Utah Insurance Department (https://insurance.utah.gov) regulates insurance companies and agents in Utah. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Utah?
Yes. Utah Senior Health Insurance Program (SHIP) (1-800-541-7735) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Utah Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Questions about Utah health plans? Call 855-367-1095
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.