Ranked 11 of 15 states · median $805/mo · CMS PY2026
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A 40-year-old personal trainer 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: Musculoskeletal injury from demonstration and spotting.
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 personal trainer or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a personal trainer 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 |
|---|---|---|---|---|
| Utah | $576 | Select Health | $5,900 | 5 |
| Carbon | $798 | Select Health | $6,000 | 4 |
| 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 |
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 — 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 personal trainer 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
Cross-state numbers are useful for understanding whether Utah is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a personal trainer weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Expense categories that typically apply to this trade: Certification, gym rental, equipment, liability insurance. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
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. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
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.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Exercise Trainers and Group Fitness Instructors (SOC 39-9031) 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 personal trainer. 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 Personal Trainers in Utah and a blog covering deductibles, subsidies and special enrollment.
The Utah market currently runs to 6 carriers over 29 counties. Carriers re-file every year, and for Personal Trainers the question that actually decides your renewal is which of them are still there in November.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Utah rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Utah and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
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 personal trainer 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:
There is no single Utah price. Enter your ZIP and I will pull what is filed in your county, then work out what help you qualify for.