Skip to main content
Well Covered
Solutions
Menu
Well Covered
Solutions
Shop plans

Licensed in Utah

Utah health insurance for 2027

Open enrollment for 2027 coverage in Utah runs November 1, 2026 to January 15, 2027, on HealthCare.gov. Enroll by December 15 and your plan starts January 1. Enroll from December 16 to January 15 and it starts February 1, 2027.

Send a messageCompare plans online

Reviewed by Ollie Gougaud, licensed insurance broker, on October 15, 2026

On this page

Utah's 2027 enrollment dates

Utah uses HealthCare.gov, so it follows the federal marketplace's calendar.

After January 15

Enrolling later takes a qualifying life event, such as losing job-based coverage, moving, marriage or a birth.

If you already have a plan

Your 2027 premium and network can change even if you keep the same plan. Check both during open enrollment instead of letting the plan renew unseen.

What's changing in Utah for 2027

Six insurers sell individual plans in Utah for 2027, and one of them sells only off the exchange. For 2026, 387,336 Utahns picked a marketplace plan, down 8.2% from 2025.

Rates up 3.89% to 15.75%

The Utah Insurance Department accepted 2027 rate increases from 3.89% to 15.75%, depending on the insurer, before any tax credit.

One insurer moves off the exchange

One of Utah's insurers sells only off-exchange plans for 2027, and those come with no premium tax credit. If your plan has left HealthCare.gov, choose one that's still there to keep your credit.

Utah Medicaid changes in 2027

CMS approved Utah's full Medicaid expansion in December 2019. On January 1, 2027, adults in the Adult Expansion and Targeted Adult Medicaid programs get new rules.

Community engagement

Members 19 to 64 need 80 hours a month of work, job training, half-time school or volunteering, or $580 a month in earnings, unless they're exempt.

Renewals every six months

Most of these members renew every 6 months instead of every year.

Utah's trigger law

If the federal share of expansion costs falls below 90%, Utah's expansion ends the day after the next general legislative session adjourns.

For Utah employers

In Utah, a business that sets a monthly allowance through an ICHRA (CMS's new name for it is a CHOICE arrangement) lets each employee buy the individual plan that suits them, tax-free.

Read about ICHRA for small businesses

Our license in Utah

Anyone who sells insurance or advises on it in Utah needs a license there. You can check ours before you talk to us.

License number

Ollie Gougaud holds Utah license 1070908. Check it with the Utah Insurance Department licensee search (opens in a new tab).

If you have a problem

The Utah Insurance Department (opens in a new tab) takes complaints about any insurance company or agent licensed in Utah, including us.

Questions from Utahns

When does open enrollment end in Utah?

January 15, 2027. Plans chosen between December 16 and January 15 start February 1, 2027.

What's the last day to enroll in Utah for coverage starting January 1, 2027?

December 15, 2026, on HealthCare.gov.

Does a plan bought off the exchange in Utah come with a tax credit?

No. The premium tax credit only comes with a plan bought through HealthCare.gov, and one Utah insurer sells only off the exchange for 2027.

Sources

The dates, prices, insurers and rules on this page come from the sources below, each checked on the date shown. Open enrollment dates can still change while a court case about the rule that would have shortened them is on appeal; if they do, we'll update this page. Summaries of laws and rules here are not legal or tax advice.

Talk to a licensed broker

Send a message and we'll get back to you, usually within one business day.

Phone: (702) 213-7375Email: info@wellcoveredsolutions.com

Send a message