Utah long-term care insurance: cost & coverage

Who regulates long-term care insurance in Utah

Long-term care insurance policies sold in Utah are regulated by the Utah Insurance Department. If you have a complaint about an agent, carrier, or policy, you can file it with the regulator directly.

What long-term care costs in Utah

Median assisted living cost in Utah vs. the national median:

Source: SeniorLiving.org median assisted living costs, 2026. See costs for all 50 states for the full table.

Utah's LTC Partnership program

Utah does not currently have an active LTC Partnership program. Utah authorized a Partnership program in statute but has not implemented it; no carriers are certified and no dollar-for-dollar Medicaid asset protection is currently available.

Without a Partnership-qualified policy, benefits paid out don't create extra Medicaid asset protection. Learn more about how Partnership programs work and which states currently have one.

How to compare quotes in Utah

• Confirm any agent or carrier you talk to is currently licensed to sell in Utah — the Utah Insurance Department can confirm licensing status.
• Ask which products a carrier is actively writing in Utah today — availability changes state by state and year to year. See carriers we compare.
• Compare traditional and hybrid options side by side — see traditional vs. hybrid coverage.
• Get quotes from more than one carrier; pricing for the same coverage can vary significantly.

Please note: Regulator names, complaint channels, and Partnership-program status can change. Confirm current details with the Utah Insurance Department or a licensed agent before making any decision. LongTermCareInsurance411 is not a government agency and does not administer Utah's insurance regulations or Medicaid program.

Last updated: July 30, 2026