Utah · 2026 plan year
Gold health insurance plans in Utah
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.
18
Gold plans
6
Insurers
28
Counties covered
$437
Cheapest premium
$1,699
Average 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.
Utah Gold premiums rank 9th cheapest of 30.
Averaged across all 18 plans, Gold coverage in Utah costs $527 a month before subsidies — 9th lowest of the 30 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.
Lowest premiums
The cheapest Gold plans in Utah
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Signature Benchmark GoldSelect Health | $437 | $0 | $8,950 |
| Value Gold 1500 Medical DeductibleSelect Health | $447 | $1,500 | $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 | $7,000 |
Showing 5 of 18. See all Utah Gold plans →
Who sells here
Gold plans by insurer
| Insurer | Gold plans | Cheapest | Tier average |
|---|---|---|---|
| Select Health | 6 | $437 | $509 |
| University of Utah Health Plans | 4 | $464 | $526 |
| Molina Healthcare | 3 | $601 | $617 |
| Imperial Health Plan of the Southwest, Inc. | 2 | $507 | $510 |
| Regence BlueCross BlueShield of Utah | 2 | $473 | $481 |
| BridgeSpan Health Company | 1 | $496 | $496 |
Other tiers in Utah
How Gold compares to the rest
Nearby on price
States with similar Gold premiums
Common questions
Utah Gold plans, answered
What are the copays on a Utah Gold plan?
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. Across the 18 Gold plans in Utah, deductibles average $1,699 and the out-of-pocket maximum averages $8,256. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Utah?
Any Utah Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,699 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Utah Gold plan?
The average across all 18 Gold plans in Utah is $1,699, with an average out-of-pocket maximum of $8,256. The range within the 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 Gold plans available in my Utah county?
Gold plans are sold in 28 Utah counties, from 6 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 Utah Marketplace plan?
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 Gold premiums in Utah start at $437 a month before any subsidy.
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