Benchmark $640/mo · ranked 13 of 21 · median wage $71,040
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The benchmark premium for a 40-year-old in Utah is $640 a month for 2026, ranking 13 of 21 states published here. BLS reports a median annual wage of $71,040 for Construction and Building Inspectors in Utah.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 15 of the 21 states reported and below it in the other 6, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Construction and Building Inspectors (SOC 47-4011) 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 home inspector. 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.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $71,990 | above |
| 2 | Virginia | $455 | $69,960 | above |
| 3 | Indiana | $474 | $63,750 | above |
| 4 | Nevada | $497 | $76,560 | above |
| 5 | Ohio | $513 | $70,890 | above |
| 6 | Michigan | $523 | $69,890 | above |
| 7 | Colorado | $557 | $78,940 | above |
| 8 | South Carolina | $564 | $60,050 | below |
| 9 | Oklahoma | $604 | $58,810 | below |
| 10 | Wisconsin | $611 | $70,700 | above |
| 11 | Georgia | $615 | $64,290 | above |
| 12 | North Carolina | $638 | $65,830 | above |
| 13 | Utah | $640 | $71,040 | above |
| 14 | Alabama | $645 | $61,500 | below |
| 15 | Illinois | $646 | $73,050 | above |
| 16 | South Dakota | $655 | $63,320 | above |
| 17 | Texas | $661 | $62,110 | below |
| 18 | Kansas | $670 | $61,850 | below |
| 19 | Florida | $683 | $65,340 | above |
| 20 | Nebraska | $710 | $70,730 | above |
| 21 | Arkansas | $774 | $52,970 | below |
This page compares states. For Utah specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Home Inspectors in all states · All trades · All occupations
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Utah has 6 carriers filing across 29 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a home inspector buying your own cover, who stays matters more than the headline rate.
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.
One thing 2027 will not fix: no PPO is sold anywhere in Utah. All 29 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as a home inspector crosses county lines, weigh that above the premium.
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:
Coverage for Home Inspectors is priced county by county across Utah. Enter your ZIP and I will show you what is on the table.