Ranked 11 of 15 states · median $805/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old psychologist 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.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Emotional load and burnout; sedentary strain.
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 psychologist or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a psychologist 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 |
|---|---|---|---|---|
| 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 |
| Utah | $576 | Select Health | $5,900 | 5 |
| Carbon | $798 | Select Health | $6,000 | 4 |
The spread across just these six is $309/month — $3,704 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 psychologist 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
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a psychologist who moved this year, that move is a qualifying life event and opens a special enrollment period.
Self-employed Psychologists in Utah typically deduct: Licensing, malpractice insurance, EHR software, CE. 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 Psychologists in Utah and a blog covering deductibles, subsidies and special enrollment.