Ranked 11 of 15 states · median $805/mo · CMS PY2026
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A 40-year-old it consultant 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.
Screen-based work skews younger and healthier, which is exactly the profile a high-deductible plan is built for. The risk is real — you carry the first several thousand dollars yourself — so the tables below show what a healthy buyer pays across the age curve, not just at 40.
Occupational context: Repetitive stress; irregular hours during deployments.
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 it consultant 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 |
|---|---|---|---|---|
| Kane | $798 | Select Health | $6,000 | 2 |
| Wayne | $798 | Select Health | $6,000 | 2 |
| Wasatch | $574 | Select Health | $5,900 | 2 |
| Beaver | $798 | Select Health | $6,000 | 2 |
| Juab | $798 | Select Health | $6,000 | 4 |
| Uintah | $798 | Select Health | $6,000 | 4 |
The spread across just these six is $224/month — $2,694 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 it consultant 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
A caveat on the table above: rating is by residence, not by job site. A it consultant living in Utah and working across a state line still buys Utah plans. A genuine permanent move does trigger a special enrollment period, but the plan year restarts with a fresh deductible.
Deduction categories that generally fit this trade: Hardware, certifications, software, home office. Note the ordering problem with health premiums: the §162(l) deduction lowers your AGI, and your AGI is what sets your premium tax credit, so the two calculate against each other. That is a CPA conversation and worth having before you enroll, not after.
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.
No. Utah exchange plans are guaranteed issue and community rated, so a it consultant pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
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 21 states reported.
What this figure is. It is the median annual wage BLS reports for Computer Systems Analysts (SOC 15-1211) 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 it consultant. 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 IT Consultants 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 IT Consultants should check the roster in November rather than assume this year’s options carry over.
Nobody can tell you your 2027 Utah premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Utah regardless of how the current litigation over the enrollment window resolves.
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 it consultant 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:
Rates for IT Consultants in Utah are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.