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

Health Insurance in Clearfield, Utah: Your 2026 Guide

Clearfield, Utah residents can choose from 4 marketplace health insurance carriers in 2026 within Rating Area 3.
Utah's federal marketplace, HealthCare.gov, offers only HMO and EPO plans; PPO plans are not available on-exchange.
Adults in Utah with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid.
The uninsured rate in Clearfield is 9.6%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Clearfield, Utah, for 2026 involves understanding your choices through HealthCare.gov, Utah's federal marketplace. Residents in Clearfield, part of Rating Area 3, can select from four confirmed health insurance carriers offering a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that while PPO plans may be available off-exchange, the subsidized marketplace only provides HMO and EPO options. Many Clearfield households may qualify for significant financial assistance, including premium tax credits and cost-sharing reductions, to make coverage more affordable. Additionally, Utah has expanded Medicaid, providing comprehensive coverage for adults with incomes up to 138% of the Federal Poverty Level, along with specific programs for pregnant women and children.

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What Health Insurance Plans Are Available in Clearfield, Utah?

For 2026, Clearfield residents access health insurance plans primarily through HealthCare.gov, the federal marketplace serving Utah. Clearfield is located in Davis County, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. The marketplace in Utah offers two main types of plans:

Health Maintenance Organization (HMO) Plans: These 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. HMOs generally have lower monthly premiums and out-of-pocket costs but offer less flexibility in choosing providers.
Exclusive Provider Organization (EPO) Plans: EPO plans also use a network of doctors and hospitals, but usually do not require a PCP referral to see a specialist. However, they generally will not cover care received outside of the network, except in emergencies.

It is important to understand that PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. If you prefer a PPO structure, you would need to explore off-marketplace options, which typically do not come with federal subsidies.

Understanding Financial Assistance and Utah Medicaid Eligibility

Many individuals and families in Clearfield qualify for financial assistance to lower the cost of their health insurance premiums and out-of-pocket expenses. These subsidies are available through HealthCare.gov based on your household income and size.

Premium Tax Credits (APTCs)

These credits reduce your monthly premium. Eligibility for premium tax credits extends to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL), though current legislation has expanded eligibility to those above 400% FPL, ensuring no one pays more than 8.5% of their household income for a benchmark Silver plan.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% of the FPL, you may qualify for Cost-Sharing Reductions. These subsidies lower your deductibles, copayments, and out-of-pocket maximums, making healthcare services more affordable when you need them. CSRs are only available if you enroll in a Silver-tier plan.

Utah Medicaid and CHIP

Utah is an expanded Medicaid state, which significantly impacts eligibility for many Clearfield residents.

Adults: Adults in Clearfield with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This means that if your income falls into this range, you will likely be eligible for Medicaid, not fall into a coverage gap.
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing essential prenatal care, labor and delivery services, and postpartum care. Applications can be made through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for Utah's Children's Health Insurance Program (CHIP).

Health Insurance Carriers in Clearfield

For the 2026 plan year, Clearfield, Utah, which is part of Rating Area 3, has four confirmed health insurance carriers offering plans through HealthCare.gov. These carriers provide a range of HMO and EPO options to suit different needs and budgets. The confirmed carriers for Clearfield and Rating Area 3 are:

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

When selecting a plan, it is crucial to verify that your preferred doctors and hospitals are within the network of the plan you choose. While all these carriers serve Rating Area 3, network specifics can vary by plan.

Local Healthcare Resources in Davis County

Clearfield, Utah, is situated in Davis County, which offers a variety of healthcare facilities. Davis County has a population of 370,924 with a median age of 32.5 years, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate in the county is 5.7%, which is lower than Clearfield's city-specific rate of 9.6%. Within Davis County, there are four acute care hospitals that serve residents, including those in Clearfield:

Holy Cross Hospital-davis (located in Layton)
Lakeview Hospital (located in Bountiful)
Intermountain Health Layton Hospital (located in Layton)
Western Peaks Specialty Hospital (located in Bountiful)

When choosing a health plan, consider which of these facilities and their affiliated providers are in-network for the plan you select. Holy Cross Hospital-davis in Layton is one of the key acute care facilities accessible to Clearfield residents. Clearfield, Utah has a population of 33,523 and a median household income of $75,495, per U.S. Census Bureau ACS 2024 5-year estimates. The city's poverty rate stands at 12.7%, indicating a significant portion of the population may benefit from the financial assistance available through HealthCare.gov or Utah Medicaid.

Making Your Health Insurance Decision in Clearfield

Choosing the right health insurance plan depends on your unique financial situation, health needs, and preferences for doctors and hospitals. Here’s a general guide for Clearfield residents:

If your income is below 138% FPL: You will likely qualify for Utah Medicaid. Apply through medicaid.utah.gov to confirm your eligibility and enroll in comprehensive, low-cost coverage.
If your income is between 138% and 250% FPL: You are likely eligible for significant premium tax credits and cost-sharing reductions. A Silver-tier plan will provide the best value, offering lower deductibles and out-of-pocket costs in addition to reduced premiums.
If your income is above 250% FPL: You will still qualify for premium tax credits, which can make Bronze, Silver, Gold, or Platinum plans more affordable. Consider a Bronze plan for lower premiums and higher deductibles (suitable if you expect minimal medical care), or a Gold/Platinum plan for more comprehensive coverage and lower out-of-pocket costs when you receive care.

Remember to compare the networks of the HMO and EPO plans offered by BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans to ensure your preferred providers are included.

Frequently Asked Questions

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

In Clearfield, Utah, residents purchasing plans through HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Who qualifies for Utah Medicaid in Clearfield?

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

How many health insurance carriers offer plans in Clearfield's marketplace?

For the 2026 plan year, Clearfield, Utah, which is part of Rating Area 3, has four confirmed health insurance carriers offering plans through HealthCare.gov. These include BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Can I get a PPO plan through HealthCare.gov in Clearfield?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Marketplace shoppers in Clearfield will find HMO and EPO plan options. If you specifically want a PPO, you would need to explore plans offered directly by carriers outside of the marketplace, which means you would not be eligible for federal subsidies.