Health Insurance in Cache County, Utah (2026)

Updated July 2026 · UtahPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Cache County residents can find 2026 health insurance plans through HealthCare.gov, the federal marketplace.
In 2026, three carriers — BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and Select Health — offer plans in Rating Area 1, which covers Cache and Rich counties.
Marketplace plans in Utah are limited to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types; PPO plans are not available on-exchange.
Utah Medicaid is expanded, covering adults with incomes up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
Cache County has a population of 140,046 and an uninsured rate of 6.9%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Cache County, Utah, for 2026 involves understanding the plans available through HealthCare.gov, the federal marketplace. Residents of Cache County will primarily choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not offered on-exchange in Utah. Financial assistance, including premium tax credits and cost-sharing reductions, is available to eligible individuals and families, making coverage more affordable. Additionally, Utah's expanded Medicaid program provides a crucial safety net for adults with incomes up to 138% of the Federal Poverty Level, ensuring that a broad range of residents have access to essential healthcare services.

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Understanding Your Health Plan Options in Cache County

For Cache County residents seeking health insurance, the primary avenue for individual and family plans is HealthCare.gov. This federal marketplace allows you to compare plans, check your eligibility for financial assistance, and enroll in coverage.

Available Plan Types: HMO and EPO

In Utah, the marketplace offers two main types of health plans:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network. Your PCP then coordinates all your care, including referrals to specialists. HMOs often have lower monthly premiums and out-of-pocket costs but offer less flexibility in choosing providers.
Exclusive Provider Organization (EPO) Plans: EPOs offer a bit more flexibility than HMOs, as you typically don't need a referral to see a specialist. However, like HMOs, EPOs generally only cover services from doctors, specialists, or hospitals in the plan's network, except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. If you are accustomed to PPO plans, be prepared to select an HMO or EPO network structure for marketplace coverage in Cache County.

Financial Assistance Through HealthCare.gov

Many Cache County residents qualify for subsidies that significantly lower the cost of health insurance. These include:

Advance Premium Tax Credits (APTCs): These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): Available exclusively with Silver-tier plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You must have an income between 100% and 250% FPL to qualify for CSRs.

Even if you think your income is too high to qualify, it's worth checking HealthCare.gov. Many people find they are eligible for some form of assistance.

Who Offers Health Insurance in Cache County for 2026?

For the 2026 plan year, residents of Cache County have a confirmed set of options for marketplace health insurance. Cache County is part of Utah Rating Area 1, which also covers Rich County. In 2026, 3 carriers offer marketplace plans in Rating Area 1:

BridgeSpan Health Company: Offers a range of plans designed to meet diverse healthcare needs, focusing on access and affordability.
Regence BlueCross BlueShield of Utah: A well-established insurer providing various plan options to individuals and families throughout Utah.
Select Health: Known for its integrated healthcare system approach, offering plans that often coordinate with local providers.

When selecting a plan, consider not only the premium but also the network of doctors and hospitals, the deductible, and the out-of-pocket maximum. You can compare specific plan details for these carriers on HealthCare.gov.

Medicaid and CHIP Eligibility in Utah

Utah has expanded its Medicaid program, providing crucial coverage for many residents in Cache County.

Utah Medicaid Expansion

Utah expanded Medicaid in 2020 through a ballot initiative (Proposition 3). This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. Unlike states that have not expanded Medicaid, Cache County residents within this income bracket will qualify for comprehensive health coverage, rather than falling into a "coverage gap" where they earn too much for Medicaid but too little for marketplace subsidies.

Medicaid for Pregnant Women and Children (CHIP)

Utah also offers specific Medicaid and CHIP programs for vulnerable populations:

Pregnant Women: Pregnant women in Utah can qualify for Medicaid with household incomes up to 144% FPL. This coverage includes essential prenatal care, labor and delivery services, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
Children's Health Insurance Program (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for Utah CHIP, ensuring access to pediatric healthcare services.

Local Healthcare Resources: Hospitals in Cache County

Cache County, with a population of 140,046 and an uninsured rate of 6.9% (per U.S. Census Bureau ACS 2024 5-year estimates), is served by Rating Area 1, which also covers Rich County. Local residents have access to acute care facilities like Intermountain Health Logan Regional Hospital and Cache Valley Hospital, both located within the county. These hospitals provide essential services ranging from emergency care to specialized treatments, serving the healthcare needs of the community.

Intermountain Health Logan Regional Hospital: Located in Logan, this facility is a key acute care provider for the region.
Cache Valley Hospital: Situated in North Logan, it also offers comprehensive acute care services to Cache County residents.

When choosing a health plan, it is important to verify that your preferred doctors and any necessary hospitals are within the plan's network to ensure seamless access to care.

Making the Right Choice: Next Steps for Cache County Residents

Choosing the right health insurance plan requires careful consideration of your income, health needs, and budget. Here’s a summary of next steps for Cache County residents:

Low Income (below 138% FPL): If your household income falls below 138% FPL, you likely qualify for Utah Medicaid. Apply directly through the Utah Medicaid portal to determine your eligibility.
Moderate Income (100% - 400% FPL): For incomes within this range, you are likely eligible for significant premium tax credits (APTCs) through HealthCare.gov. If your income is between 100% and 250% FPL, consider a Silver plan to maximize cost-sharing reductions (CSRs), which lower your deductibles and copayments.
Higher Income (above 400% FPL): While you may not qualify for subsidies, you can still enroll in a plan through HealthCare.gov. It is crucial to compare plans carefully for the best value, considering the premium, deductible, and out-of-pocket maximum.

A licensed health insurance agent can provide personalized guidance, help you understand your options, and assist with enrollment, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available on HealthCare.gov in Cache County?

In Cache County, residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the federal marketplace in Utah.

How many health insurance carriers offer marketplace plans in Cache County for 2026?

For the 2026 plan year, three health insurance carriers offer plans on the HealthCare.gov marketplace in Rating Area 1, which includes Cache County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and Select Health.

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

Utah expanded Medicaid in 2020, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, the threshold is higher, at 144% FPL, and children can qualify for CHIP at up to 200% FPL.

Are there local hospitals in Cache County that accept marketplace plans?

Yes, Cache County is home to two acute care hospitals: Intermountain Health Logan Regional Hospital in Logan and Cache Valley Hospital in North Logan. When selecting a marketplace plan, it is important to confirm that these or any other preferred local providers are within the plan's specific network.