Utah Health Insurance: Key Facts
- Medicaid Status Expanded (Voter-Approved 2018, Full in 2020)
- Exchange Type Federal (Healthcare.gov)
- Open Enrollment November 1, 2024 - January 15, 2025
- Medicaid Income Limit 138% FPL (~$20,783/year single)
Utah offers comprehensive health coverage options through expanded Medicaid and the federal health insurance marketplace. Following a voter-approved ballot initiative in 2018, Utah joined the majority of states in expanding Medicaid, providing coverage to tens of thousands of previously uninsured Utahns.
Medicaid in Utah
Utah Medicaid provides essential health coverage to eligible low-income residents. The expansion has been particularly important for working Utahns who earn too much for traditional Medicaid but too little to afford marketplace coverage without assistance.
Who Qualifies for Utah Medicaid?
- Adults 19-64: Household income up to 138% of the Federal Poverty Level (approximately $20,783/year for an individual)
- Children: Up to 200% FPL through the CHIP program
- Pregnant Women: Up to 144% FPL
- Parents/Caretaker Relatives: Based on household income and family size
- Seniors and People with Disabilities: Various programs with different eligibility criteria
What Does Utah Medicaid Cover?
- Doctor and specialist visits
- Hospital services (inpatient and outpatient)
- Prescription drugs
- Mental health services
- Substance use disorder treatment
- Preventive care and wellness visits
- Lab tests and X-rays
- Dental services (limited for adults)
- Vision services (limited for adults)
- Transportation to medical appointments
Health Insurance Marketplace in Utah
Utah uses the federal marketplace at Healthcare.gov for individual and family health insurance enrollment. The marketplace offers plans from multiple insurers, and Utahns can apply for premium tax credits to reduce monthly costs.
How to Enroll in Utah Marketplace Coverage
- Visit Healthcare.gov and create an account
- Complete your application with income and household information
- Learn if you qualify for Medicaid, CHIP, or premium subsidies
- Browse and compare available health plans
- Select a plan and complete your enrollment
- Pay your first premium to begin coverage
Insurance Companies in Utah
Utah residents have access to plans from several insurers:
- SelectHealth
- Molina Healthcare
- University of Utah Health Plans
- Regence BlueCross BlueShield of Utah
Average Health Insurance Costs in Utah
Utah generally has moderate health insurance costs compared to other western states. The presence of SelectHealth, a regional insurer with deep Utah roots, helps keep prices competitive.
| Metal Tier | Average Monthly Premium | Typical Deductible |
|---|---|---|
| Bronze | $310 - $400 | $7,000 - $8,500 |
| Silver | $450 - $530 | $4,000 - $5,500 |
| Gold | $540 - $640 | $1,500 - $2,500 |
Important Enrollment Dates
- Open Enrollment: November 1, 2024 - January 15, 2025 (for 2025 coverage)
- December 15 Deadline: Enroll by this date for coverage starting January 1
- January 15 Deadline: Final deadline for coverage starting February 1
- Utah Medicaid: Apply year-round; no enrollment deadline
Frequently Asked Questions
Does Utah have Medicaid expansion?
Yes, Utah expanded Medicaid through a voter-approved ballot initiative (Proposition 3) in November 2018. After legislative modifications, full expansion took effect in 2020, covering adults with incomes up to 138% of the federal poverty level.
Where do Utah residents enroll in marketplace health insurance?
Utah uses the federal marketplace at Healthcare.gov for health insurance enrollment. Residents can compare plans from multiple insurers, apply for premium tax credits, and enroll in coverage through the federal platform.
When is Utah's health insurance open enrollment period?
Utah's Open Enrollment for 2025 coverage runs from November 1, 2024 through January 15, 2025 on Healthcare.gov. Utah Medicaid applications are accepted year-round with no enrollment deadline.
How much does health insurance cost in Utah?
The average monthly premium for a benchmark Silver plan in Utah is approximately $450-$530 before subsidies. Utah typically has moderate premiums, and most residents qualify for tax credits that significantly reduce monthly costs.
Need Help Finding Coverage in Utah?
Our licensed agents can help you navigate Healthcare.gov, check your Medicaid eligibility, and find the best plan for your needs and budget.
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