Paige Cerulli Last Updated On: October 16, 2023

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Find Affordable Health Insurance in Utah

Your health insurance plan plays a key role in helping you afford the healthcare you need, when you need it. Knowing that you have a health insurance policy that covers your needs can give you valuable peace of mind, but finding that program can get tricky, especially when you’re comparing details like plan types, deductibles, and premiums.

We’ve outlined some of the must-know information that will help you to find affordable health insurance in Utah. Here’s how to find the right plan and the best price.

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The Average Cost of Health Insurance in Utah

Several factors impact the average cost of health insurance in Texas. You’ll find that costs largely depend on the plan tier that you choose. Plans are available in Bronze, Silver, Gold, and Platinum tiers or levels. The Bronze tier plans have some of the most affordable premiums, but usually also have higher deductibles when you need care. Gold tier plans have more expensive premiums, but lower deductibles, so they’re often a good choice if you know you’re going to have significant healthcare needs.

 

Average Premium for Health Insurance in Utah

Most Affordable Bronze Plan

$289

Most Affordable Silver Plan

$438

Most Affordable Gold Plan

$486

 

When you shop for health insurance in Utah, you might be able to save money by choosing an employer-sponsored plan, if you qualify for one. The average cost of employer-sponsored health insurance in Utah is $1,479 per year.

Other factors will also impact your costs, like your age, health status, and the number of dependents you need to include on your plan. Costs can vary significantly based on these personal details, so getting a personalized health insurance quote will give you the most accurate idea of your potential costs. To get started, get a free health insurance quote from ConsumerCoverage today.

Types of Texas Health Insurance Plans

The type of health insurance plan that you choose will also affect your costs. We’ve highlighted some of the most common types of health insurance in Utah that you might see.

  • Health Maintenance Organization (HMO) plans only cover in-network healthcare, and they’ll require you to have a primary care physician. HMO premiums and deductibles tend to be more affordable than other types of plans.
  • Preferred Provider Organization (PPO) plans offer more flexibility than HMOs, covering out-of-network care and not requiring you to have a primary care physician. PPO premiums and deductibles are usually more expensive than those of an HMO plan.
  • Exclusive Provider Organization (EPO) plans only cover in-network care, but they don’t require you to have a primary care physician. EPO plans usually have more affordable premiums and deductibles.

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Cheap Health Insurance Plans in Utah

Utah offers several health insurance plans designed to help low-income individuals get coverage.

Utah Medicaid

Utah Medicaid offers coverage to individuals who meet specific income and demographic requirements. To qualify, applicants must be children, women with cervical or breast cancer, pregnant women, disabled, aged, or blind, or caregivers for children under age 19. Single individuals can make no more than $17,131 per year.

State of Utah CHIP

The Utah CHIP program helps to insure children and teens, including those who may not qualify for Medicaid. A household must meet the income limit of 200% of the Federal Poverty Limit to qualify, and may have to pay small monthly minimums.

Utah Medicare

Utah’s Medicare program is designed for older adults and people with disabilities. It’s available as Original Medicare and Medicare Advantage Plans, and coverage may include durable medical equipment, hospice, prescription costs, and more.

How to Get Health Insurance in Utah

By shopping around and comparing quotes, you can not only find the plan that offers the ideal coverage for your needs, but that’s also available at the best price. To get started, get a free, personalized quote from ConsumerCoverage to explore your plan options and their costs.

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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.

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