State guides answer the three intake questions brokers get before income: which exchange platform, whether Medicaid expansion changes the subsidy cliff, and which carriers filed in the state for 2026.
At a glance
- Utah uses HealthCare.gov (FFM) for individual market enrollment.
- Medicaid expansion status: expanded.
- CMS lists 128 issuers on file for 2026.
- Sample rating area: Salt Lake City (84101).
Marketplace snapshot
Figures below come from CMS Marketplace filings for plan year 2026. The sample ZIP is 84101 in Salt Lake City. Use coverage preview for another rating area, then quote the household when you need APTC and CSR math.
| Field | UT · 2026 |
|---|---|
| Exchange platform | HealthCare.gov (FFM) |
| Medicaid expansion | Expanded |
| Plans in Salt Lake City (84101) | Not returned yet |
| Premium range (before APTC) | Not returned yet |
| Issuers on file | 128 |
Exchange platform
Utah runs on HealthCare.gov (FFM). Confirm SEP and OEP deadlines on the state site when the household is not on the federal HealthCare.gov window.
Medicaid expansion
This state expanded Medicaid under the ACA. Households near 138% FPL may land in Medicaid instead of Marketplace APTC.
Open enrollment
Federal Marketplace OEP runs November 1 through January 15 for plan year 2026. Coverage effective dates follow Healthcare.gov rules for enrollments completed by December 15 and January 15.
Carriers in this state
Issuer rows come from CMS filings. Browse all carriers in UT.
Issuer 43129
American Medical Security Life Ins Co
1 state
Issuer 74451
Golden Rule Insurance Company
1 state
Issuer 78492
Prudential Insurance Company of America
1 state
Issuer 34847
PacifiCare Life and Health Insurance Co
1 state
Issuer 38927
Aetna CVS Health
1 state
Issuer 77299
Trustmark Life Insurance Company
1 state
Quote on QuoteTurbo with live APTC and CSR for the same household.