Utah Open Enrollment 2027: Dates, Deadlines & How to Enroll
November 1, 2026 – January 15, 2027 · HealthCare.gov
What Utah individuals, families, and self-employed workers should know for the 2027 open enrollment window — key dates, the returning subsidy cliff, what to gather before you enroll, and how to get free local help from a licensed Utah agent.
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Utah's 2027 open enrollment runs November 1, 2026 through January 15, 2027 on HealthCare.gov — Utah has no state exchange. Enroll by December 15 for coverage starting January 1; later enrollments generally start February 1. After January 15, you need a qualifying life event to enroll.
One caution for 2027: the enhanced premium tax credits expired at the end of 2025, so the 400%-of-poverty subsidy cliff is back. Auto-renewing without re-running your income estimate could cost you. Call (435) 628-0993 and we'll model your subsidy and verify your doctors before you enroll — free, and the premium is identical to enrolling alone.
Reviewed by Kip LeeLicensed UT / NV / AZ agent since 2005Last updated
2027 open enrollment deadlines at a glance
Utah follows the federal Marketplace calendar, so these dates apply whether you're in St. George, Cedar City, Salt Lake, or anywhere in between.
First day to enroll in, renew, or change a 2027 Marketplace plan on HealthCare.gov.
Enroll or make changes by this date for coverage that starts January 1, 2027.
Last day of the federal window. Enrollments between Dec 16 and Jan 15 generally start February 1, 2027.
Job loss, a move, marriage, a new baby, or losing Medicaid can unlock a 60-day Special Enrollment Period.
Your 5-step enrollment checklist
A little prep before November 1 can help you avoid costly surprises. Here's the order we typically walk our own clients through each fall.
- 1Estimate your 2027 household income
Project next year's household income (MAGI), including 1099 and self-employment income. This drives your premium tax credit — and with the 400%-of-poverty cliff back, an honest estimate matters more than it has in years.
- 2List your doctors and prescriptions
Write down your current providers — St. George Regional, Cedar City Hospital, Intermountain clinics, specialists — and your medications so networks and formularies can be checked before you enroll.
- 3Compare on- and off-Marketplace options
If you qualify for subsidies, compare SelectHealth and University of Utah Health Plans on HealthCare.gov. If your income is too high for subsidies, off-Marketplace options like Start Health or Allstate Health Solutions may be worth a look.
- 4Enroll between November 1 and January 15
Enroll by December 15 for a January 1 start. Enrollments from December 16 through January 15 generally start February 1. Outside the window, you'll need a qualifying life event.
- 5Get free local help
Call (435) 628-0993 to enroll with a Utah-licensed, FFM-registered agent at no extra cost — the premium is identical to enrolling alone on HealthCare.gov.
The checklist on this page is the same one we fill out with families in our St. George office.
The subsidy cliff is back — check before you auto-renew
From 2021 through 2025, enhanced premium tax credits softened the old rule that cut off subsidies at 400% of the federal poverty level. Those enhanced credits expired at the end of 2025, so for 2027 the cliff is back: a household that earns even slightly above the line can lose its entire subsidy. That makes an accurate income estimate — and a real plan comparison — more important than simply letting last year's plan roll over.
If your income sits near the line, small, legitimate moves — like retirement contributions that lower MAGI — can sometimes change the outcome. This is educational information, not tax advice; we can model the insurance side and point you to a tax professional for the rest.
- Estimated 2027 household income (including 1099 / self-employment)
- Social Security numbers for everyone enrolling
- Current doctors, specialists, and preferred hospitals
- A list of prescriptions with dosages
- Your 2026 plan name and premium, if you're renewing
We've enrolled Utah families on the Marketplace since it opened
This guide is written and reviewed by Kip Lee and Tad Hunt — Utah-licensed, FFM-registered Marketplace agents who have each written insurance in Utah since 2005. Every fall we sit down with families from St. George to Cedar City and walk through the same checklist on this page. The most common regret we hear is simple: "I just let it auto-renew." An hour with us in October or November is usually enough to avoid that.
Looking for local detail? See our Utah health insurance guide, county guides for Iron, Kane, Garfield, Beaver, and Sevier, or your city's page from areas served.
Talk to Kip or Tad directly: (435) 628-0993
Last reviewed and updated:
Utah open enrollment questions we hear every fall
Straight answers from a local agent. Have another question? Call us at (435) 628-0993.
Enroll with a local agent — at no extra cost
The premium is identical to enrolling alone on HealthCare.gov. We'll model your subsidy, verify your doctors, and handle the paperwork.
Rated 5.0 on Google by 100+ Utah customers.