Utah Health Insurance Plans

2026 Subsidy-eligible and Off-Exchange plans

66 plans across the state

Obamacare (On-Exchange) plans

Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.

U Health Plus Bronze
by University of Utah Health Insurance Plans
Bronze HSA eligible EPO
Deductible · ind / family
$9,000 / $18,000
Out-of-pocket max · ind / family
$9,200 / $18,400
Bronze 8000
by Regence BlueCross BlueShield of Utah
Bronze HSA eligible EPO
Deductible · ind / family
$8,000 / $16,000
Out-of-pocket max · ind / family
$10,600 / $21,200
Bronze HSA 7000
by Regence BlueCross BlueShield of Utah
Bronze HSA eligible EPO
Deductible · ind / family
$7,000 / $14,000
Out-of-pocket max · ind / family
$8,300 / $16,600
U Health Plus Silver
by University of Utah Health Insurance Plans
Silver EPO
Deductible · ind / family
$4,500 / $9,000
Out-of-pocket max · ind / family
$7,000 / $14,000
Silver 6500
by Regence BlueCross BlueShield of Utah
Silver EPO
Deductible · ind / family
$6,500 / $13,000
Out-of-pocket max · ind / family
$9,500 / $19,000
Gold 2300
by Regence BlueCross BlueShield of Utah
Gold EPO
Deductible · ind / family
$2,300 / $4,600
Out-of-pocket max · ind / family
$10,150 / $20,300
U Health Plus Gold
by University of Utah Health Insurance Plans
Gold EPO
Deductible · ind / family
$1,500 / $3,000
Out-of-pocket max · ind / family
$7,000 / $14,000

Off-Exchange plans

Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.

Silver 5000
by Regence BlueCross BlueShield of Utah
Silver EPO
Deductible · ind / family
$5,000 / $10,000
Out-of-pocket max · ind / family
$10,600 / $21,200

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →