SelectHealth offers the most affordable health insurance in Utah, with an average monthly premium of $268. Availability may vary, so consider Molina, Aetna and University of Utah Health Plans for affordable options.
Most Affordable Health Insurance in Utah
Updated: June 10, 2025
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Key Takeaways
SelectHealth provides Utah's most affordable health insurance, saving policyholders an average of $464 per month compared to the state average.
SelectHealth offers top-rated full coverage Platinum plans, with affordable pricing starting at $839 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Utah
| SelectHealth | $268 | $464 |
| Molina | $326 | $407 |
| Aetna | $534 | $199 |
| University of Utah Health Plans | $547 | $186 |
*These plans reflect rates for 40-year-olds who aren't considered low-income.
Cheapest Utah Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Utah, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
- Cheapest for Young Adults: SelectHealth ($461 monthly)
- Cheapest for Seniors: SelectHealth ($1,015 monthly)
- Cheapest Expanded Bronze Plan: University of Utah Health Plans ($396 monthly)
- Cheapest Silver Plan: SelectHealth ($500 monthly)
- Cheapest Gold Plan: University of Utah Health Plans ($572 monthly)
- Cheapest Full Coverage (Platinum Plan): SelectHealth ($839 monthly)
While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. Below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.
Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
| SelectHealth | Signature Benchmark Silver 5900 Medical Deductible | $500 | $180 | $8,500 |
Cheapest Health Insurance Plans by County in Utah
SelectHealth is the cheapest provider overall and dominates in affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.
| Beaver | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Box Elder | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Cache | Molina | $544 | Silver 12 with First 4 Primary Care Visits Free |
| Carbon | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Daggett | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Davis | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Duchesne | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Emery | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Garfield | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Grand | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Iron | Molina | $544 | Silver 12 with First 4 Primary Care Visits Free |
| Juab | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Kane | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Millard | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Morgan | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Piute | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Rich | Molina | $544 | Silver 12 with First 4 Primary Care Visits Free |
| Salt Lake | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| San Juan | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Sanpete | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Sevier | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Summit | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Tooele | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Uintah | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Utah | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Wasatch | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Washington | Molina | $544 | Silver 12 with First 4 Primary Care Visits Free |
| Wayne | SelectHealth | $539 | Med Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
| Weber | SelectHealth | $459 | Signature Benchmark Silver 5900 Medical Deductible - no deductible for office visits |
How to Find the Cheapest Health Insurance in Utah
Follow these steps to find affordable health insurance in Utah:
- 1
Determine what coverage plan you need and can afford
Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.
- 2
Find out your subsidy eligibility
People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3
Consider federal programs if old enough
If you are eligible, explore Medicare Advantage plans and Medicare Supplement plans. These programs are often more affordable than traditional health insurance and offer more flexible coverage options.
- 4
Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5
Compare plans during Enrollment Periods
Open Enrollment runs from November 1 to January 15, with Special Enrollment available for life changes like job loss or childbirth. Evaluate plan types, customer ratings, costs and provider availability. A thorough comparison helps you choose the best health coverage for your circumstances.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.
Most Affordable Health Insurance in Utah: Bottom Line
Utah's most affordable health insurance companies are SelectHealth, Molina, Aetna and University of Utah Health Plans. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Utah Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Utah:
What is the cheapest health insurance in Utah?
In Utah, SelectHealth provides the most affordable Silver plan for 40-year-olds, starting at $268 per month. However, Aetna, Molina and University of Utah Health Plans could suit your needs based on your income and preferences.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Utah
MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Utah based on consumers aged 18, 26, 40, 50 and 60.
We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.