State profile · UT · CMS + NAIC
Insurance in Utah
How health insurers handle claims in Utah, and what drivers pay for auto cover — measured from CMS Transparency-in-Coverage and NAIC data.
- 19.8%
- Avg claims denied
- #13
- denial rank of 31
- $1169
- Avg auto / yr
- +22%
- Auto, 5-yr
- 5
- Insurers w/ data
The verdict
Marketplace insurers in Utah deny 19.8% of claims — near the 21% national average, the 13th-highest of 31 states, and drivers pay an average $1169 a year for auto cover, about the $1191 national average.
- 19.8%
- avg claims denied
- #13
- of 31 states
- $1169
- avg auto / yr
- 30%
- highest (BridgeSpan Health )
Denial rates are aggregate marketplace figures from CMS filings; auto figures are NAIC average expenditures. State regulation, risk pool and plan design all shape these numbers.
Highest claim-denial rates in Utah
Health insurers by share of marketplace claims denied (≥1,000 claims on file)
- BridgeSpan Health Compan
BridgeSpan Health Company: 30.3% denied (712 of 2,347)
30.3 % of claims denied
- Molina Healthcare of Uta
Molina Healthcare of Utah: 30.1% denied (17,585 of 58,407)
30.1 % of claims denied
- Regence BlueCross BlueSh
Regence BlueCross BlueShield of Utah: 20.8% denied (84,286 of 404,731)
20.8 % of claims denied
- SelectHealth
SelectHealth, Inc.: 19.7% denied (1,575,652 of 8,004,160)
19.7 % of claims denied
- University of Utah Healt
University of Utah Health Insurance Plans: 19.6% denied (112,891 of 575,726)
19.6 % of claims denied
What this shows These carriers deny the largest share of marketplace claims filed in Utah. Denial rates reflect plan design and network rules as much as carrier behaviour.
Health insurers in Utah, by denial rate
5 insurers reporting marketplace claims in Utah
| # | Insurer | Claim denial rate | Claims |
|---|---|---|---|
| 1 | BridgeSpan Health Company C | 2,347 | |
| 2 | Molina Healthcare of Utah F | 58,407 | |
| 3 | Regence BlueCross BlueShield of Utah C | 404,731 | |
| 4 | SelectHealth, Inc. C | 8,004,160 | |
| 5 | University of Utah Health Insurance Plans C | 575,726 |
Auto insurance in Utah
Auto premiums in Utah are climbing
Average annual auto-insurance expenditure by year (NAIC)
- 2019
2019: $955 average expenditure
$955 avg expenditure
- 2020
2020: $937 average expenditure
$937 avg expenditure
- 2021
2021: $947 average expenditure
$947 avg expenditure
- 2022
2022: $1024 average expenditure
$1,024 avg expenditure
- 2023
2023: $1169 average expenditure
$1,169 avg expenditure
What this shows Utah drivers' average auto cost rose 22% between 2019 and 2023.
What the data shows for Utah
Utah's marketplace insurers denied 19.8% of submitted claims in the CMS data, the 13th-highest rate of the 31 states with federal marketplace filings. Denial rates this far below the 21% national average usually reflect the state's mix of plan types and risk pool rather than any single carrier — Medicaid managed-care and narrow-network plans route more claims through utilization review.
On the auto side, drivers in Utah pay an average $1169 a year — less than the $1191 national average — split across $746 liability, $378 collision and $160 comprehensive premiums. That figure has moved up 22% since 2019, tracking the national surge in repair and medical-claim costs.
Because rate regulation, licensing and guaranty-fund coverage are set state by state, an insurer's record in Utah can differ from its national average — which is why the state view matters for local consumers. Source: CMS Transparency in Coverage PUF PY2025, cms.gov. Source: NAIC 2023 Auto Insurance Database; state commissioner registry, NAIC member directory.
For Utah residents
Use the state view before you buy or appeal a denial here.
- Check a specific carrier's full national and per-state record. Browse insurers
- Compare Utah's auto costs against the rest of the country. Auto rankings
- Denied a claim in this state? Walk through the appeal process. Appeal a denial
Verify coverage availability and terms directly with any insurer or a licensed agent. Informational only — not insurance advice.
Data: CMS Transparency in Coverage PUF PY2025 (per-state claim denials) · NAIC 2023 Auto Insurance Database. State commissioner links from the NAIC member directory. Not affiliated with NAIC or CMS. Read our methodology.