Health insurance brokers in Utah

• 1 in 8Utahns bought coverage through the marketplace in 2025, the 4th highest share of any state
• #1Utah's rank for the share of marketplace enrollees who are children, 27.9 percent
• $0what a Utah broker costs you, whether you are covering one person or a family of seven

More Utahns use the marketplace than Medicaid

A 2025 analysis by the Kem C. Gardner Policy Institute at the University of Utah found that 11.8 percent of Utahns were enrolled in the marketplace, the 4th highest share in the nation and higher than Utah's Medicaid enrollment rate of 9.7 percent. The reasons are local. Only about 40.8 percent of Utahns who work for small businesses are at an employer that offers health insurance, the 6th lowest rate in the country, and the Gardner Institute points to small business owners, their employees and self employed workers as core marketplace customers. For many Utah families, the marketplace is not a fallback. It is the plan.

The most kids of any marketplace in the country

Children under 18 make up 27.9 percent of Utah marketplace enrollees, the largest single age group and the highest share of any state. That changes how you should shop.

Family size also works in your favour on subsidies, because eligibility is measured against the poverty level for your household size. A larger household can qualify for help at an income that would get a single person nothing. And depending on income, some children qualify for CHIP or Medicaid while their parents are on a marketplace plan. I check that first, because sometimes the right answer for the kids is not a plan I sell.

2026 was a step down, not a collapse

387,336 Utahns enrolled for 2026, down from the record 443,829 for 2025 after the enhanced federal tax credits expired. Even so, it was still the second highest enrollment year Utah has had. Among those who enrolled through the marketplace for 2026, nearly 90 percent qualified for a premium tax credit, and about a quarter pay less than $10 a month.

Utah also expanded Medicaid in January 2020 to adults with household income up to 138 percent of the poverty level, and federal law now requires work requirements for that expansion group by January 2027. If your income is near that line, it is worth checking which side of it you are on before you buy anything.

What changes for 2027

No major carrier has announced it is leaving Utah for 2027. The shake up already happened: Aetna left the individual market nationwide at the end of 2025, and Molina cut back to just two southwest Utah counties for 2026. If either of those moves pushed you into a plan you picked in a hurry, this fall is a good time to look again.

Open enrollment dates for 2027 coverage in Utah

Utah does not run its own exchange. It uses the federal marketplace at HealthCare.gov, so Utah follows the federal calendar.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, and in a state with this many young families the most common one is a new baby or adoption, which opens a special enrollment period and can make coverage retroactive to the date of birth. Marriage, losing job based coverage, moving, or aging off a parent's plan at 26 also qualify, usually with a 60 day window.

Every 2027 change in Utah, carrier by carrier →

How to choose a health insurance broker in Utah

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Utah agents can be checked through the Utah Insurance Department licensee search, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Utah, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the plans you qualify for side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Utah

Statewide. Most of my work happens over the phone or a video call, so where you are in Utah changes nothing about the process.

• Salt Lake City
• West Valley City
• West Jordan
• Provo
• Orem
• St. George
• Sandy
• Ogden
• Lehi
• South Jordan
• Layton
• Herriman
• Logan
• Draper
• Murray
• Riverton
• Taylorsville
• Cedar City
• Spanish Fork
• Nephi

I am also licensed in 30 other states, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Utah

According to the U.S. Census Bureau, 8.3 percent of people in Utah had no health insurance in 2024, close to the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners and their employees, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Utah a large share of my work is family coverage, where getting the deductible and the network right matters more than shaving a few dollars off the premium.