Ranked 11 of 15 states · median $805/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old esthetician 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 median Silver premium, Utah ranks 11 of 15 for this occupation.
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Occupational context: Chemical and fume exposure; repetitive hand and wrist strain.
None of that changes your price. ACA plans in Utah are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a esthetician 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 |
|---|---|---|---|---|
| Daggett | $798 | Select Health | $6,000 | 4 |
| Millard | $798 | Select Health | $6,000 | 2 |
| Iron | $885 | Select Health | $6,000 | 3 |
| Utah | $576 | Select Health | $5,900 | 5 |
| Carbon | $798 | Select Health | $6,000 | 4 |
| Kane | $798 | Select Health | $6,000 | 2 |
The spread across just these six is $309/month — $3,704 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 — network and cost | 2026 |
|---|---|
| Median Silver premium @40 | $805 |
| Cheapest Silver @40 | $559 — Select Health (Davis) |
| Most expensive Silver @40 | $1,125 |
| Carriers filing in the state | 6 — BridgeSpan Health, Imperial Health Plan of the Southwest, Molina Healthcare, Regence BlueCross BlueShield of Utah |
| Plan types available | EPO, HMO |
| Counties with only one carrier | 1 of 29 |
Utah has 6 carriers filing and 1 of 29 counties served by a single issuer. For a esthetician with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
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
Read the comparison as context, not as a shopping list. Your county of residence determines what you can buy, and for a esthetician that is fixed unless you relocate. Where it is actionable is a move already in progress — that is a qualifying life event, and you have 60 days on either side of it.
Self-employed Estheticians in Utah typically deduct: Room rental, products, devices, licensing. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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.
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 Estheticians in Utah and a blog covering deductibles, subsidies and special enrollment.