Ranked 11 of 15 states · median $805/mo · CMS PY2026
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A 40-year-old physical therapist 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 on-your-feet work produces steady, predictable claims — routine visits, refills, physical therapy, the occasional urgent care. That profile is decided by copay design and by whether your providers are in network, not by the sticker premium, so carrier count sits alongside cost below.
Occupational context: Lifting and transfer injuries; chronic back strain.
Worth being clear about what this does and does not affect: a carrier in Utah cannot ask what you do for a living, cannot charge a physical therapist more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a physical therapist 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 |
|---|---|---|---|---|
| Piute | $798 | Select Health | $6,000 | 2 |
| Washington | $885 | Select Health | $6,000 | 3 |
| Weber | $587 | Select Health | $5,900 | 4 |
| Daggett | $798 | Select Health | $6,000 | 4 |
| Millard | $798 | Select Health | $6,000 | 2 |
| Iron | $885 | Select Health | $6,000 | 3 |
The spread across just these six is $298/month — $3,570 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 physical therapist 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 physical therapist 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.
If you file a Schedule C as a physical therapist, the categories that usually show up are: Licensing, equipment, malpractice insurance, CE. 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.
No. Utah exchange plans are guaranteed issue and community rated, so a physical therapist 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 Physical Therapists (SOC 29-1123) 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 physical therapist. 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 Physical Therapists 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 Physical Therapists the question that actually decides your renewal is which of them are still there in November.
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.
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 physical therapist 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:
The sticker price is rarely what Physical Therapists in Utah end up paying. Start with a ZIP and I will work out your actual number.