2022 Individual On/Off Exchange Insurance Plan Comparison
Location
Age
Tobacco Use
Show All
Platinum
Gold
Silver
Bronze
Company / Plan
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Rate
Individual
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Metal Level
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Medical Deductible
Individual/Family
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Co-Pay
Primary/Specialist
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Max Out of Pocket
Individual/Family
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Note:
- The rates displayed will only show for one individual.
- If trying to acquire a family rate, please shop for each individual and add insurance premiums together.
- If you are a Native American, living in Utah, there are plans available from Individual Insurance Companies that are advantageous to you. Contact the Insurance Department for information and access to these plans.
- Before finalizing your selection, consult with your insurance broker to familiarize yourself with the full range of benefits of your desired plan.
Rate Factors
- Insurance Company's rates are based on Age, Geographic Area and Tobacco Use.
- The rates displayed will only show for one individual.
- If trying to acquire a family rate, please shop for each individual and add insurance premiums together.
- It should also be noted that premium subsidies may be available through the Federal Exchange.
- Contact the Utah Insurance Department with any questions.
Level of Coverage
- The Affordable Care Act designates Insurance Company's plans by metal level. Platinum, Gold, Silver, Bronze and Catastrophic.
- Platinum plans are more expensive plans, as far as insurance premiums are concerned, but require less out of pocket for medical expenses.
- Gold and Silver plans are a balance between paying a premium for health care and also paying a price out of pocket for medical expenses after premiums have been paid to insurance companies.
- Gold plans will often resemble a traditional health insurance plan, that will have low deductibles and copays, although the premium a consumer pays will reflect this.
- Health Savings Accounts are very common in Silver plans.
- On the other end of the spectrum, Bronze and Catastrophic plans are less expensive for insurance premiums, but require significantly more out of pocket for medical expenses.