Gold health insurance plans in Utah (2026)
There are 18 Gold plans on the Utah Marketplace from 6 insurers, and they are not interchangeable — premiums run from $437 to $628 a month for the same metal tier. Here is what separates them.
Utah Gold premiums rank 11th cheapest of 35.
Averaged across all 18 plans, Gold coverage in Utah costs $527 a month before subsidies — 11th 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.
What a Gold plan costs in Utah in 2026
Across all 18 Gold plans in Utah, monthly premiums run from $437 to $628, averaging $527. 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.
Gold plan deductibles in Utah
Gold deductibles in Utah run from $1,000 to $2,300, with a median of $2,000 across the 13 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 $1,891 because the spread is not symmetric. The other 5 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.
Gold out-of-pocket maximums in Utah
Individual out-of-pocket maximums on Utah Gold plans run from $7,000 to $10,150, with a median of $8,200. 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.
The cheapest Gold plans in Utah
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Signature Benchmark GoldSelect Health | $437 | $0 medical + $250 Rx (separate) | $8,950 |
| Value Gold 1500 Medical DeductibleSelect Health | $447 | $1,500 medical + $250 Rx (separate) | $8,000 |
| U Health Plus Gold StandardUniversity of Utah Health Plans | $464 | $2,000 | $8,200 |
| Gold 2300Regence BlueCross BlueShield of Utah | $473 | $2,300 | $10,150 |
| U Health Plus GoldUniversity of Utah Health Plans | $476 | $1,500 medical + $500 Rx (separate) | $7,000 |
Showing 5 of 18. See all Utah Gold plans →
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Select Health | 6 | $437 | $509 | $2,000 |
| University of Utah Health Plans | 4 | $464 | $526 | $2,000 |
| Molina Healthcare | 3 | $601 | $617 | $1,640–$2,000 |
| Imperial Health Plan of the Southwest, Inc. | 2 | $507 | $510 | $1,000–$2,000 |
| Regence BlueCross BlueShield of Utah | 2 | $473 | $481 | $2,000–$2,300 |
| BridgeSpan Health Company | 1 | $496 | $496 | $2,000 |
How Gold compares to the rest
States with similar Gold premiums
Utah Gold plans, answered
What are the copays on Utah Gold plans?
Who is eligible for a Gold plan in Utah?
What is the deductible on Utah Gold plans?
Are Gold plans available in my Utah county?
When can I enroll in a Marketplace plan in Utah?
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