Utah Individual & Family Health Insurance

We help Utah individuals and families buy their own health, dental, and vision coverage by comparing the insurers writing in the state's individual market with you, so the plan you end up with is chosen on networks and deductibles rather than on whichever premium sorted to the top of the screen.

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Buying Your Own Health Plan in Utah, With a Person on Your Side

  • Most owners who call us have already decided they are too small. Utah's definition of a small employer is wider than almost anyone expects, and the rules that follow from it are set in state law rather than negotiated group by group.

    Utah counts a small employer as a business that employed at least one but not more than 50 eligible employees on business days during the preceding calendar year.
  • Small-group coverage is guaranteed issue, so a carrier must accept a qualifying small employer that applies, and no employee is declined or surcharged for health history.
  • Carriers have to apply participation and minimum employer contribution requirements uniformly to small employers with the same number of eligible employees, and cannot raise either one on a group after it has been accepted for coverage.
  • An employer with fewer than 25 full-time-equivalent employees may qualify for the small business health care tax credit, worth up to 50% of premiums paid, or up to 35% for a tax-exempt employer.


Those four facts settle most of the question before a single plan is priced. If the head count or the participation math does not work this year, we walk you and your staff through Utah individual and family health insurance instead, so nobody is left without a path.

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When Can You Enroll in a Utah Health Plan?

Utah does not run its own exchange. Individuals and families here enroll through HealthCare.gov, and we work that process alongside you as your agent. Three dates run the year:

  • November 1, 2026: open enrollment opens for 2027 coverage.
  • December 15, 2026: the last day to choose a plan if you want it in force on January 1.
  • January 15, 2027: open enrollment closes.

The middle date is the one people miss. Enrolling on January 10 still counts, but it leaves a stretch of the new year uncovered. The Utah Insurance Department publishes the same calendar, and we would rather hear from you at (801) 477-5214 in October than in the last week of the window.

Six Utah Insurers, Compared Side by Side

Six insurers write individual-market plans in Utah for 2026 and all six have filed to continue: SelectHealth, Regence BlueCross BlueShield of Utah, University of Utah Health Plans, Molina Healthcare of Utah, BridgeSpan, and Imperial Health Plan of the Southwest. Sorting them by premium takes a minute. Sorting them by what a year of care would actually cost your household takes a conversation, and this is what we look at in it:


  • Which doctors, clinics, and hospitals sit in each network, checked against the providers your family already sees.
  • The deductible and the out-of-pocket maximum, and what the plan pays before you reach either one.
  • Prescription coverage, including where your regular medications land on each plan's drug list.
  • The metal tier that matches how much care your household genuinely uses, rather than the tier that looks cheapest in November.
  • Whether a premium tax credit applies, and what each plan costs once it does.


Some people who reach this page turn out to be the one deciding coverage for a small team. If that is you, the same review works at company scale, and we can price covering your employees through a small-business group health plan alongside your own.

How Much Is Health Insurance a Month in Utah?

Affordable health insurance in Utah almost always means the plan with the lowest total cost across the year, which is rarely the plan with the lowest premium in November. We do not post an average, because an average is nobody's actual premium. Here is what sets your number:


  • Your age, and the age of everyone else on the plan.
  • Tobacco use.
  • How many people are being covered.
  • The county you live in, since Utah's rating areas price differently from each other.
  • The metal tier you pick, which sets the trade between the monthly premium and the deductible.
  • Whether you qualify for a premium tax credit, which turns on household income and household size.


That last one moves the number more than the rest of the list combined. The price on the screen before a credit is frequently nothing like the price after it, so we work out what you qualify for first, then quote.

What Happens If You Miss Open Enrollment?

Outside the open enrollment window, buying a marketplace plan takes a qualifying life event. One of these opens a special enrollment period, counted from the date of the event rather than from a date on the calendar:

  • Losing job-based coverage, whether the job ended or the hours dropped.
  • Marriage or divorce.
  • The birth or adoption of a child.
  • A move that changes which plans are available to you.

The clock is short and it starts the day the thing happens, not the day you get around to it. If your situation changed in March, call us in March. One conversation tells you whether that window is open and what the options are if it is not.

Dental and Vision for the Rest of the Household

Adult dental and vision coverage is usually its own policy rather than something folded into a medical plan, which catches people out in February when the first cleaning of the year is not covered. We quote all three together so the household budget gets built once. On the dental and vision side we look at:


  • Routine exams, cleanings, and the x-rays that come with them.
  • Major work such as crowns, root canals, and extractions, and any waiting period before the plan pays.
  • Orthodontia, and whether it is covered for children, adults, or neither.
  • Eye exams, and the allowance the plan puts toward frames, lenses, or contacts.


Utah households run larger than households anywhere else in the country, so dental is rarely a one-person line item and it is worth pricing on purpose.

Short-Term Plans Cost Less. They Are Also Not Marketplace Plans.

Short-term health plans are sold in Utah and the premium is lower. That lower premium is buying something different, and anyone considering one deserves the whole picture first:


  • A short-term plan can decline an application or exclude treatment for a condition you already have.
  • It is not required to cover maternity care, which in the state with the largest average household size in the country is the line that matters most to a young family.
  • It does not qualify for a premium tax credit, so the price you see is the price you pay.
  • It is built to bridge a defined gap, not to carry a household through a full plan year.


There are real situations where one is the right call, such as a two-month wait before a new employer's coverage starts. We will tell you plainly which situation you are in.

The Bills a Health Plan Was Never Built to Pay

A health plan pays the medical bills. It does nothing about the paycheck that stops while you are the one in the hospital bed, and for most households that missing income is the larger number. That is what disability coverage that replaces income while you cannot work is for, and it belongs in this conversation rather than one three years from now.


The other gap sits further out. Health plans and Medicare are not built to pay for extended custodial care, at home or in a facility. Families planning for aging parents, or for themselves, should see what long-term care coverage handles that a health plan does not before the need is immediate.

Why Utah Households Bring Their Health Coverage to Us

  • Independent since 2002, when Glenn R. Smith founded the agency in American Fork and moved it off a single company's shelf, so your household gets compared across the insurers writing in Utah instead of one of them.
  • Licensed in insurance since 1995, long enough to have watched this state's individual market change shape several times.
  • We walk through the options before anything is quoted, and we work to bring the premium down without quietly taking coverage out to get there.
  • BBB accredited with an A+ rating.
  • More than 400 Utah families and businesses, with health, group benefits, home, and auto handled by one independent agency.
  • Licensed statewide and set up to work remotely, so a review, a quote, and an enrollment all happen by phone, email, and text wherever in Utah you live.
  • The same person answers the phone next January.


We are not a call center and we do not staff a phone at two in the morning. That is the same reason you get someone who remembers your family's plan year after year

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What Our Clients Across Utah Say

Brittany F.

Jaima E.

Melanee L.

Helen B.

Kristen B.

Douglas M.

Ashlee F.

Tanya T.

Doug W.

Erin L.

Alexander G.

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Elizabeth T.

Rebekah K.

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Let's Read Your Home Policy Together

Send us the declarations page, or just the renewal notice that showed up in the mail, and we will go through the dwelling limit, the deductible, and the exclusions with you before anyone talks about price. Wherever in Utah the house sits, if a better fit for it sits with another of our carriers, you will see both side by side. Call us at (801) 477-5214 or start with the form.

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Questions Utah Households Ask Before They Enroll

  • Can I buy private health insurance at any time?

    Not at any time. A marketplace plan can be bought during open enrollment, November 1 through January 15 for the following year's coverage, or during a special enrollment period opened by a qualifying life event such as losing job-based coverage, marriage, a birth, or a move. Short-term plans are available outside those windows, but they are a different product with different limits.

  • How do I get health insurance if I am self-employed in Utah?

    Self-employed Utah residents buy through the same individual market as anyone else without job-based coverage, enrolling through HealthCare.gov during open enrollment or after a qualifying life event. Premium tax credits are based on household income and household size rather than on whether you have an employer, so many self-employed households qualify. Working with an agent costs nothing extra, because we are paid by the insurer we place the coverage with.

  • Do I qualify for a subsidy on the Utah health insurance marketplace?

    Eligibility for a premium tax credit turns on household income and the number of people in your household, and the band is wider than most people assume. The only way to know is to run your actual figures, which takes a few minutes on the phone. We check that before looking at plans, because the answer changes which plans are worth comparing.

  • Does short term health insurance cover pre-existing conditions?

    Generally no. Short-term plans are permitted to review your medical history, decline an application, or exclude treatment tied to a condition you already have. They also are not required to cover maternity care and do not qualify for a premium tax credit.

Get Your Plan Sorted Before the Window Closes

Whether you are covering one person or a household of seven, the individual market rewards starting early and leaving time to compare. Call (801) 477-5214 or send us a note, and we will look at what your family uses, what you qualify for, and what each plan would cost you across the year. Health coverage is one line in a larger picture, and we handle the rest of the personal coverage a Utah household carries without handing you off to anyone else.

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