Two health insurers, Select Health and University of Utah Health Plans, will sell plans in all 29 Utah counties. Most Utahns will have a choice of up to 28 plans, including many health savings account-qualified (HSA) plans. Molina Healthcare and Humana have ceased offering coverage in the state.
Premium subsidies are intact and a Utah family of four earning between $24,600 and $98,400 qualifies for premium subsidies. Cost-sharing reductions (CSRs) — which reduce deductibles and co-pays for 109,000 Utahns — are also intact because Utah’s Insurance Department and Utah insurers anticipated the Trump administration would cut them and planned accordingly.
For Utahns who earn too much to receive premium subsidies (above $98,400 for a family of four), off-marketplace silver plans are $100 to $150 cheaper per month than their on-marketplace equivalents. Bronze plus plans linked to HSAs are also cheaper options due to their pre-tax savings.
Utahns can access information on enrollment and find agents and brokers in the area by logging onto healthcare.gov or takecareutah.org.