Ranked 11 of 15 states · median $805/mo · CMS PY2026
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A 40-year-old attorney in Utah pays a median $805/month for a Silver plan before subsidies — 11th of 15 on cost. The cheapest plan in the state is $559 from Select Health in Davis. On cheapest Silver at age 27, Utah ranks 14 of 15 for this occupation.
Desk-based work usually means low claim volume and a younger buyer, which makes a high-deductible plan paired with an HSA the mathematically better bet in most years. These pages rank states by what a healthy buyer actually pays at ages 27 and 40.
Occupational context: High stress load; sedentary cardiovascular risk.
This is background for choosing a plan, not for pricing one. Since 2014 every Utah exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a attorney or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a attorney in one Utah county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| San Juan | $798 | Select Health | $6,000 | 2 |
| Davis | $559 | Select Health | $5,900 | 4 |
| Box Elder | $602 | Select Health | $5,900 | 4 |
| Duchesne | $798 | Select Health | $6,000 | 4 |
| Piute | $798 | Select Health | $6,000 | 2 |
| Washington | $885 | Select Health | $6,000 | 3 |
The spread across just these six is $325/month — $3,906 a year for the same metal tier. Statewide the range runs $559 to $1,125. Coverage by County publishes all 29 Utah counties individually.
| Utah — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $526 |
| Cheapest Silver @40 | $559 |
| Cheapest Silver @60 | $1,134 |
| Lowest deductible in state | $1,000 |
A 27-year-old attorney in Utah starts at $526; the same plan class at 60 starts at $1,134 — roughly 2.2× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 699 plan records across 29 Utah counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: Oklahoma ($731), Kansas ($765), Florida ($789). More expensive: Texas ($807), North Carolina ($828), Arkansas ($828).
Side-by-side: Utah vs Kansas · Utah vs Florida · Utah vs Texas · Utah vs North Carolina
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a attorney who moved this year, that move is a qualifying life event and opens a special enrollment period.
If you file a Schedule C as a attorney, the categories that usually show up are: Bar dues, malpractice insurance, research databases, CLE. The health premium itself is normally an above-the-line deduction under IRC §162(l), which reduces AGI rather than requiring you to itemize. Your CPA should confirm it against your actual situation.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Utah is $559 per month from Select Health, with a state median of $805. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
It cannot happen on an exchange plan. Rating in Utah uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
No. Only EPO and HMO plans were filed for 2026.
Utah ranks 11 of 15 states covered here, at a median $805 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 20 states reported.
What this figure is. It is the median annual wage BLS reports for Lawyers (SOC 23-1011) in Utah. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed attorney. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
This page compares states. For Utah specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Attorneys in Utah and a blog covering deductibles, subsidies and special enrollment.
Right now 6 carriers file plans across the 29 counties of Utah. Participation is reset annually, which is why Attorneys should check the roster in November rather than assume this year’s options carry over.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Utah has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Utah included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
There is still no PPO on the Utah marketplace — not in any of its 29 counties. Every plan is an HMO, EPO or POS, which for an attorney working across a wide area is the binding constraint, not price.
Because Utah sells no PPO in any of its 29 counties, the thing that will decide your 2027 experience is which network your providers sit in — and that is far easier to check now than during the rush.
Give me a ZIP and I will tell you three things:
The sticker price is rarely what Attorneys in Utah end up paying. Start with a ZIP and I will work out your actual number.