Ranked 11 of 15 states · median $805/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old private tutor 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 counties covered, Utah ranks 15 of 15 for this occupation.
Work that crosses county and state lines makes network geography the binding constraint. A cheap HMO that only contracts in one metro is worthless 200 miles away, so these pages rank states by network reach and flag the ones with no PPO on the exchange at all.
Occupational context: Sedentary strain; travel between client homes.
Two things get confused here constantly. Risk exposure decides what coverage you should buy. It does not decide what you are charged — Utah carriers rate on age, ZIP, tobacco and family size, full stop. A private tutor with a bad back and a healthy 40-year-old office worker in the same county see the same number.
Premium is set by rating area, so a private tutor 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 |
|---|---|---|---|---|
| Box Elder | $602 | Select Health | $5,900 | 4 |
| Duchesne | $798 | Select Health | $6,000 | 4 |
| 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 |
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 reach | 2026 |
|---|---|
| Counties in the state | 29 |
| Counties with only one carrier | 1 (3%) |
| Plan types available | EPO, HMO |
| PPO available on exchange | No |
| Carriers filing in the state | 6 |
| Cheapest Silver @40 | $559 — Davis |
Utah has no PPO plans on the exchange at all. For a private tutor covering distance, that single fact outweighs premium: 1 of 29 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a private tutor who moved this year, that move is a qualifying life event and opens a special enrollment period.
Self-employed Private Tutors in Utah typically deduct: Materials, vehicle mileage, background checks, software. 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.
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.
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 Private Tutors in Utah and a blog covering deductibles, subsidies and special enrollment.