Health Insurance Options in Beaver County, Utah

Beaver County residents can access health insurance plans through HealthCare.gov.
In 2026, 2 carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Utah Rating Area 6, which covers Beaver County.
Utah expanded Medicaid in 2020, providing coverage for adults with incomes up to 138% of the Federal Poverty Level (FPL).
Beaver County has an uninsured rate of 15.2% and no acute care hospitals, requiring residents to travel for hospital services.
Marketplace plans in Utah are primarily HMO and EPO types; PPO plans are not available on-exchange.

Navigating health insurance in Beaver County, Utah, involves understanding your options through HealthCare.gov, recognizing eligibility for Utah Medicaid, and selecting a plan from local carriers. As a rural county, Beaver County residents benefit from the Affordable Care Act (ACA) marketplace, which provides access to subsidized plans. For 2026, Beaver County is part of Utah Rating Area 6, where 2 health insurance carriers offer a choice of HMO and EPO plans. Utah's Medicaid expansion also provides a crucial safety net for many residents, covering adults with incomes up to 138% of the Federal Poverty Level.

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Understanding Your Health Insurance Options in Beaver County

Residents of Beaver County, like most Utahns, primarily access health insurance through HealthCare.gov, the federal marketplace. This platform allows individuals and families to compare plans and determine eligibility for financial assistance, such as premium tax credits and cost-sharing reductions. For the 2026 plan year, marketplace options in Utah consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your marketplace choice will be between HMO and EPO network structures. Beaver County, with a population of 7,273 and an uninsured rate of 15.2% (per U.S. Census Bureau ACS 2024 5-year estimates), is part of Utah Rating Area 6. This multi-county rating area also covers Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. Residents needing acute care should be aware that Beaver County has no acute care hospitals within its boundaries, meaning they typically travel to a neighboring county for such medical services. When selecting a plan, consider the network's reach and proximity to necessary healthcare facilities.

Utah Medicaid and CHIP Eligibility in Beaver County

Utah expanded its Medicaid program in 2020 following the Proposition 3 ballot initiative, significantly broadening access to coverage. This means that adults in Beaver County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Unlike states without Medicaid expansion, Utah does not have a "coverage gap" for individuals between 100% and 138% FPL; instead, they are eligible for Medicaid rather than marketplace subsidies. Specific income thresholds for other groups are also in place. Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal, labor and delivery, and postpartum care. For uninsured children, Utah's Children's Health Insurance Program (CHIP) extends coverage to those in households with incomes up to 200% FPL. Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

2026 Health Insurance Carriers in Beaver County

For the 2026 plan year, residents of Beaver County, located in Utah Rating Area 6, have two confirmed carriers offering health insurance plans through HealthCare.gov. These carriers provide a range of HMO and EPO options designed to meet various healthcare needs and budgets. In 2026, 2 carriers offer marketplace plans in Rating Area 6:

Select Health
University of Utah Health Plans

When reviewing plans, it's crucial to compare the specific benefits, provider networks, deductibles, and out-of-pocket maximums offered by Select Health and University of Utah Health Plans to find the best fit for your healthcare needs and financial situation. Remember to use the full carrier name, such as Select Health, on every mention for clarity and accuracy.

Navigating Plan Tiers: Bronze, Silver, Gold, and Platinum

HealthCare.gov plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the costs of care, not the quality of care.

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are designed for those who want protection against catastrophic medical events.
Silver plans offer moderate premiums and deductibles. They are particularly valuable for individuals and families with incomes between 100% and 250% FPL, as they may qualify for cost-sharing reductions (CSRs). CSRs lower your deductible, copayments, and out-of-pocket maximums, making Silver plans a significantly better value for eligible individuals.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket costs. These plans are suitable for individuals who expect to use medical services frequently and prefer predictable costs.
Platinum plans have the highest monthly premiums but the lowest deductibles and out-of-pocket costs, covering around 90% of medical expenses on average.

Consider your expected healthcare usage, financial situation, and eligibility for subsidies when choosing a metal tier. For many in Beaver County, particularly those eligible for subsidies, Silver plans with cost-sharing reductions offer the best overall value.

Making an Informed Decision About Health Coverage in Beaver County

Choosing the right health insurance plan in Beaver County depends on your income, health needs, and preferences for provider networks. The key is to leverage the resources available through HealthCare.gov and Utah's Medicaid program.

If your income is below 138% FPL, you should apply for Utah Medicaid. Pregnant women up to 144% FPL and children up to 200% FPL should also explore Medicaid and CHIP.
If your income is between 100% and 400% FPL, you will likely qualify for premium tax credits on HealthCare.gov, which can significantly reduce your monthly premiums.
If your income is between 100% and 250% FPL, consider a Silver plan to take advantage of valuable cost-sharing reductions in addition to premium tax credits.
If your income is above 400% FPL, you can still enroll in a marketplace plan, but you will pay the full premium without federal subsidies.

A licensed health insurance agent can provide personalized guidance, helping you compare plans from Select Health and University of Utah Health Plans, understand your subsidy eligibility, and enroll in a plan that best meets your needs—all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available on HealthCare.gov in Beaver County, Utah?

In Beaver County, residents can choose between HMO and EPO plans on HealthCare.gov. PPO plans are not available through the federal marketplace in Utah. HMOs require you to choose a primary care provider within their network and get referrals for specialists, while EPOs offer a broader network without requiring referrals, but generally do not cover out-of-network care.

What is the income limit for Utah Medicaid in Beaver County?

Adults in Beaver County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold is higher, extending up to 144% FPL, and for children, Utah CHIP covers those in households up to 200% FPL.

How many health insurance carriers offer marketplace plans in Beaver County?

For the 2026 plan year, 2 carriers offer marketplace plans in Utah Rating Area 6, which includes Beaver County. These carriers are Select Health and University of Utah Health Plans. You can compare their specific plan offerings on HealthCare.gov.

Does Beaver County have any acute care hospitals?

Beaver County does not have any acute care hospitals within its geographical boundaries. Residents needing acute medical services typically travel to a neighboring county for hospital care. When choosing a health plan, it's important to consider the network of providers and facilities available in surrounding areas.