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

Health Insurance in Centerville, Utah: Your 2026 Guide

Centerville residents access 2026 marketplace plans through HealthCare.gov, with 4 confirmed carriers offering HMO and EPO options.
Utah expanded Medicaid in 2020, providing coverage for adults up to 138% of the Federal Poverty Level (FPL).
The median household income in Centerville is $123,130, with an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates.
Pregnant women in Utah can qualify for Medicaid with income up to 144% FPL, covering prenatal, delivery, and postpartum care.

Centerville, Utah, residents seeking health insurance for 2026 can find comprehensive options through HealthCare.gov, the federal marketplace. In Rating Area 3, which includes Centerville, four insurance carriers offer a choice of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some states, PPO plans are not available on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO network structures. Financial assistance, including premium tax credits and cost-sharing reductions, is available to eligible individuals and families, making coverage more affordable. Utah also expanded its Medicaid program in 2020, extending eligibility to adults with incomes up to 138% of the Federal Poverty Level.

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Understanding Your Health Insurance Options in Centerville

For Centerville residents, the primary avenue for securing individual and family health insurance is HealthCare.gov. This federal marketplace allows you to compare plans, check eligibility for subsidies, and enroll in coverage. All plans offered through HealthCare.gov must cover a set of Essential Health Benefits, including doctor visits, hospital care, prescription drugs, maternity care, and mental health services. In Utah, marketplace plans are structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs).

HMO Plans: Typically require you to choose a primary care provider (PCP) within the plan's network and get referrals from your PCP to see specialists. They often have lower monthly premiums and out-of-pocket costs.
EPO Plans: Offer a bit more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, you must still stay within the plan's network for care to be covered, except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. If you are seeking a PPO plan, you would need to explore options off-marketplace, which generally means you would not be eligible for federal subsidies.

Centerville Health Insurance Carriers for 2026

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Centerville and the broader Davis County area, along with Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO options to suit different healthcare needs and budgets. The confirmed carriers for Centerville's Rating Area 3 are:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

When selecting a plan, it's advisable to review each carrier's specific network to ensure your preferred doctors, specialists, and hospitals are included. You can do this by visiting HealthCare.gov and using the plan comparison tool, or by contacting a licensed insurance producer.

Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020, significantly increasing access to affordable healthcare for many residents. This expansion, enacted via Proposition 3, means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This is a crucial difference from non-expansion states, where many low-income adults fall into a "coverage gap." Specific eligibility thresholds for Utah Medicaid and CHIP include:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL. This coverage includes comprehensive prenatal care, labor and delivery services, and postpartum care, ensuring vital support throughout pregnancy.
Children (CHIP): Up to 200% FPL for uninsured children.

If your income falls within these ranges, applying for Utah Medicaid or CHIP through the state's Medicaid portal (medicaid.utah.gov) is typically the most cost-effective option, often providing coverage with no monthly premiums or low out-of-pocket costs.

Local Healthcare Landscape in Davis County

Centerville, a city in Davis County, is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. With a population of 16,679 and a median household income of $123,130, Centerville's uninsured rate stands at 4.5% per U.S. Census Bureau ACS 2024 5-year estimates. Residents have access to four acute care hospitals within Davis County, including Lakeview Hospital in Bountiful and Intermountain Health Layton Hospital. The county's population of 370,924 has a median income of $110,884 and an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. Other hospitals serving the region include Holy Cross Hospital-davis in Layton and Western Peaks Specialty Hospital in Bountiful.

Choosing the Right Plan: Next Steps for Centerville Residents

Navigating the health insurance marketplace can seem daunting, but understanding your options and eligibility is key.

Assess Your Income: Your household income is the primary factor determining your eligibility for subsidies on HealthCare.gov or for Utah Medicaid.
Consider Plan Types: Decide whether an HMO or EPO network best fits your needs, considering factors like your preferred doctors and specialists.
Review Carrier Networks: Ensure that the doctors and hospitals you wish to use are in-network for any plan you consider.
Compare Costs: Look beyond just the monthly premium. Consider deductibles, copayments, coinsurance, and the out-of-pocket maximum.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets your specific needs and budget, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available in Centerville, Utah?

In Centerville, Utah, marketplace plans available through HealthCare.gov are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not offered on-exchange in Utah.

Who qualifies for Medicaid in Utah?

Utah expanded Medicaid in 2020, making adults with incomes up to 138% of the Federal Poverty Level (FPL) eligible. Pregnant women can qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

Can I get financial help to pay for health insurance in Centerville?

Yes, many Centerville residents qualify for financial assistance, including premium tax credits and cost-sharing reductions, to lower their monthly premiums and out-of-pocket costs on HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level.

How many health insurance carriers offer plans in Centerville?

For 2026, four health insurance carriers — BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans — offer marketplace plans in Rating Area 3, which includes Centerville.