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Utah · 2026 plan year

Bronze health insurance plans in Utah (2026)

There are 14 Bronze plans on the Utah Marketplace from 5 insurers, and they are not interchangeable — premiums run from $319 to $430 a month for the same metal tier. Here is what separates them.

14
Bronze plans
5
Insurers
28
Counties covered
$319
Cheapest premium
$7,500
Median deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Every Utah Bronze plan is HSA-eligible.

All 14 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, a median of $7,500 in this tier.

Utah Bronze premiums rank 8th cheapest of 35.

Averaged across all 14 plans, Bronze coverage in Utah costs $349 a month before subsidies — 8th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Cost

What a Bronze plan costs in Utah in 2026

Across all 14 Bronze plans in Utah, monthly premiums run from $319 to $430, averaging $349. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Utah enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Utah

Bronze deductibles in Utah run from $7,000 to $9,000, with a median of $7,500 across the 10 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $7,750 because the spread is not symmetric. The other 4 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Utah

Individual out-of-pocket maximums on Utah Bronze plans run from $8,300 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

Lowest premiums

The cheapest Bronze plans in Utah

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Value Expanded Bronze 6900 Medical DeductibleSelect Health$319$6,900 medical + $1,500 Rx (separate)$10,000
Bronze Essential 9000 Deductible With 4 Copay No Deductible Office VisitsRegence BlueCross BlueShield of Utah$321$9,000$10,600
U Health Plus BronzeUniversity of Utah Health Plans$328$9,000 medical + $4,500 Rx (separate)$9,200
Bronze 8000Regence BlueCross BlueShield of Utah$333$8,000$10,600
Value Benchmark Expanded Bronze Select Copay PlanSelect Health$334$0 medical + $4,000 Rx (separate)$10,500

Showing 5 of 14. See all Utah Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier averageDeductible range
Regence BlueCross BlueShield of Utah4$321$339$7,000–$9,000
Select Health4$319$365$7,500
University of Utah Health Plans4$328$343$7,500–$8,500
BridgeSpan Health Company1$350$350$7,500
Imperial Health Plan of the Southwest, Inc.1$342$342$7,500
Other tiers in Utah

How Bronze compares to the rest

Bronze
Avg $349 · from $319
14 plans · you are here
Silver
Avg $492 · from $378
21 plans
Gold
Avg $527 · from $437
18 plans

All UtahMarketplace plans →

Nearby on price

States with similar Bronze premiums

Indiana
Avg $343
24 Bronze plans
Hawaii
Avg $366
4 Bronze plans
Ohio
Avg $367
65 Bronze plans
Common questions

Utah Bronze plans, answered

What are the copays on Utah Bronze plans?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. What the tier does bound is the rest of the cost-sharing: across the 14 Bronze plans in Utah, out-of-pocket maximums run $8,300 to $10,600, and deductibles on the 10 plans with one combined deductible run $7,000 to $9,000. The other 4 set a separate deductible for prescription drugs and are not included in the deductible figures. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Utah?
Any Utah Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on Utah Bronze plans?
Bronze deductibles in Utah run from $7,000 to $9,000 across the 10 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 4 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $8,300 to $10,600. The spread inside a single tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Utah county?
Bronze plans are sold in 28 Utah counties, from 5 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Marketplace plan in Utah?
Utah uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Utah start at $319 a month before any subsidy.

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