Compare your Utah coverage options with a licensed advisor. Individual, family, self-employed, and small business plans, marketplace subsidies, and enrollment help, explained in plain language.
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Utah residents have several coverage paths, from marketplace plans and subsidies to private options and employer coverage. Whether you are self-employed, raising a family, or running a small business, clear guidance on how coverage works in Utah is the first step toward a plan that fits.
Utah uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers.
Utah has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost.
Open enrollment for Utah plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Jordon Murphy Health is a licensed advisory firm serving Utah residents. We help you compare options, understand costs, and enroll with confidence, at no cost to you.
Four milestones trace Utah's Medicaid expansion story from the 2018 ballot box to today's unresolved work-requirement fight. Each fact below was checked directly against its cited source; three needed a correction before publication.
Utah voters passed Proposition 3 on Nov. 6, 2018, approving full Medicaid expansion for adults earning up to 138% of the federal poverty level. The measure passed with 53.32% of the vote in the state's officially certified results, and it raised Utah's sales tax by 0.15 percentage points (from 4.70% to 4.85%) to fund the state's share of the cost.
Just three months after voters approved full expansion, Gov. Gary Herbert signed SB96 into law on Feb. 11, 2019, replacing the voter-approved plan with a capped "Bridge Plan" that covered adults only up to 100% of the federal poverty level — not 138% — at Utah's standard federal match rate rather than the enhanced ACA rate.
After CMS repeatedly declined to extend the enhanced 90% federal match rate to Utah's capped, partial-expansion plans, the state adopted full Medicaid expansion — coverage up to 138% of the federal poverty level — under a new federal waiver. Enrollment and coverage began Jan. 1, 2020, with the federal government covering 90% of the cost for the newly eligible population.
Utah applied to CMS for a Section 1115 waiver to add a Medicaid work requirement, but by January 2026 the state had indicated it would no longer move forward with that waiver — even though the application remains technically pending at CMS. That doesn't end the story: under the 2025 federal reconciliation law (the One Big Beautiful Bill Act), Utah and every other state must implement an 80-hour-per-month work requirement for the ACA expansion group by Jan. 1, 2027, regardless of what happens to the state's own waiver.
We serve Utah residents across Salt Lake City, West Valley City, Provo, Ogden, and St. George and statewide.
Personal coverage for Utah residents without an employer plan.
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Learn MoreFlexible coverage for Utah freelancers and contractors.
Learn MoreGroup health benefits for Utah teams of 2 to 50.
Learn MorePossibly, if you're covered through Utah's Medicaid expansion group. A 2025 federal law requires Utah and every other state to implement an 80-hour-per-month work or community engagement requirement for that population by January 1, 2027, separate from Utah's own stalled state waiver request. We track how Utah is implementing this rule and help you understand whether it affects your coverage and what to do next.
Utah uses the federal Health Insurance Marketplace at HealthCare.gov. Individual and family plans are compared and enrolled through the federal marketplace or directly with private carriers. We help you compare both marketplace and private options and choose the one that fits your doctors, prescriptions, and budget.
Many residents qualify for income-based premium tax credits that lower monthly costs. Utah has expanded Medicaid, so more lower-income residents may qualify for Medicaid coverage. If your income is above that threshold, income-based marketplace subsidies (premium tax credits) can lower your monthly cost. We check whether you qualify and help you set an accurate income estimate.
Open enrollment for Utah plans generally runs November 1 through January 15. Qualifying life events, like losing coverage, marriage, or a new baby, open a special 60-day window any time of year.
Yes. We work with Utah individuals, families, self-employed professionals, and small business owners across Salt Lake City, West Valley City, Provo, Ogden, and St. George and statewide, matching each situation to the right coverage.
Talk through your options with a licensed advisor who serves Utah. No cost, no pressure.