Stay current on the Utah health insurance landscape — ACA regulatory changes, Medicare updates, carrier news, and market developments that affect your coverage decisions.
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Latest Updates
The American Rescue Plan Act's enhanced premium tax credits expired December 31, 2025. For 2026 coverage, premium tax credits have reverted to pre-2021 amounts. The 400% FPL subsidy cliff has returned (~$62,600 for a single person). Utahns earning between 200–400% FPL are most affected. If your plan auto-renewed without a broker review, your 2026 net premium may be significantly higher than 2025. Learn more about 2026 open enrollment →
The Inflation Reduction Act's $2,000 annual cap on Medicare Part D out-of-pocket drug costs took full effect January 1, 2026. This is a significant protection for Utah Medicare beneficiaries on expensive specialty medications. Medicare Advantage plans with drug coverage and standalone Part D plans all adhere to this cap. Beneficiaries on specialty medications should work with a broker to identify the plan with the right formulary for their prescriptions.
SelectHealth (Intermountain Health's insurance arm) continued its network expansion across the Wasatch Front in 2026, adding additional providers in the growing Utah County corridor (Lehi, American Fork, Eagle Mountain). For ACA marketplace enrollees and Medicare Advantage members, this expands access to in-network care in Utah's fastest-growing suburban markets. Verify your specific providers before enrolling in any SelectHealth plan.
Individual Coverage Health Reimbursement Arrangements (ICHRAs) continue to gain traction among Utah small businesses as an alternative to traditional group health insurance. The structure — where employers reimburse employees for individual marketplace plans rather than sponsoring a group plan — is particularly appealing to tech sector employers along Silicon Slopes who want to offer benefits without the administrative complexity of group health. Learn about ICHRAs →
Utah's Medicaid expansion (covering adults up to 138% FPL, approximately $21,500 for a single person in 2026) remains in place. The Utah Division of Medicaid and Health Financing continues to administer the program through managed care organizations. Utahns near the Medicaid/marketplace subsidy boundary should consult a broker to ensure they're enrolled in the most advantageous program for their current income. Apply or check eligibility at medicaid.utah.gov.
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