That 21-year-old won't know the size of her subsidy until she logs in at healthcare.gov on or after Nov. 1, when open enrollment begins.
Two companies have stopped offering insurance through the federal exchange, but the University of Utah will offer insurance on and off the exchange for the first time, at least in nine counties along the Wasatch Front and Wasatch Back.
Just as those in rural Utah will pay more, they will have fewer choices if they buy their insurance on the exchange.
In 20 of the state's 29 counties, people can choose health plans from two companies: Intermountain Healthcare's SelectHealth and Arches, a member cooperative.
The steeply higher prices — and the revelation that insurance companies paid $1.37 in claims for every $1 they took in from premiums last year, the first year of the Affordable Care Act — prompted stark predictions from lawmakers. Federal reinsurance covered a portion of the losses.
"The individual marketplace is headed to catastrophe," said Rep. Dean Sanpei, R-Provo.
An actuary for the Utah Department of Insurance, Jaak Sundberg, agreed that insurers' profits suffered during the rollout of the Affordable Care Act, also known as Obamacare. The biggest factor, he said, was that insurers had no history to rely on when they set rates back in 2013 and they miscalculated how costly it would be to provide medical care to people who were mostly uninsured before. There was a lot of demand, he said.
Sundberg said he expected even higher price hikes, and he expects high price increases again in 2017.
Tanji Northrup, Utah's assistant insurance commissioner, said she expects the markets to settle down in 2017 and 2018, with less spiking of insurance costs.
Many of the member co-ops that sprouted up to provide insurance when Obamacare began are now failing. Lawmakers heard Thursday that co-ops in nine states are closing their doors.
Utah's co-op, Arches, is the second-largest insurer on the state exchange, behind SelectHealth. Arches insures 63,500 Utahns through about 36,000 policies.
While Arches is not "out of the woods," President Nathan Johns said Thursday, the company will continue to offer a range of plans to individuals and families on and off the federal exchange.
Arches' insurance premiums, however, will rise more steeply than other more deep-pocketed companies'. Arches plans will cost consumers nearly 43 percent more on average next year.
Kelly Peterson, product director of the University of Utah Health Plans, said it "definitely worked in our favor" to let things shake out before entering the individual markets.