Ranked 11 of 15 states · median $805/mo · CMS PY2026
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A 40-year-old ux designer 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 injury and eye 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 ux designer 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 ux designer 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 |
|---|---|---|---|---|
| San Juan | $798 | Select Health | $6,000 | 2 |
| Davis | $559 | Select Health | $5,900 | 4 |
| 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 |
The spread across just these six is $325/month — $3,906 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 ux designer 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 ux designer 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.
If you file a Schedule C as a ux designer, the categories that usually show up are: Software, hardware, research tools, home office. 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. 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.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation sits above the cliff in 19 of the 21 states reported and below it in the other 2, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Web and Digital Interface Designers (SOC 15-1255) 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 ux designer. 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 Ux Designers in Utah and a blog covering deductibles, subsidies and special enrollment.
Utah has 6 carriers filing across 29 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for an ux designer buying your own cover, who stays matters more than the headline rate.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Utah has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
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 an ux designer 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:
Rates for Ux Designers 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.