Health Insurance in Davis County, Utah: Your 2026 Guide

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

Four carriers offer marketplace plans in Davis County's Rating Area 3 for 2026.
Utah expanded Medicaid in 2020; adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL may qualify.
Marketplace plans in Davis County are HMO and EPO types; PPO plans are not available on-exchange.
Davis County has a low uninsured rate of 5.7%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Davis County, Utah, for 2026 involves understanding your choices through HealthCare.gov, Utah's expanded Medicaid program, and local plan availability. Residents of Davis County can access plans from four different carriers within Rating Area 3, which also includes Salt Lake, Summit, Tooele, and Wasatch counties. Depending on your household income, you may qualify for significant financial assistance, including premium tax credits and cost-sharing reductions, to make coverage more affordable. Utah's Medicaid expansion also provides a safety net for adults with incomes up to 138% of the Federal Poverty Level, ensuring that more individuals have access to essential health benefits.

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What Health Insurance Options Are Available in Davis County, Utah?

For residents of Davis County, the primary avenue for obtaining individual and family health insurance is through HealthCare.gov, the federal marketplace for Utah. This platform allows you to compare plans, check your eligibility for financial assistance, and enroll in coverage. 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 their network. Your PCP then coordinates all your care and provides referrals to specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but they offer less flexibility in choosing providers outside their network.
Exclusive Provider Organization (EPO) Plans: EPO plans provide coverage only if you use doctors, specialists, and hospitals within the plan's network, except in emergencies. Unlike HMOs, EPOs generally do not require a PCP referral to see a specialist, offering a bit more direct access to specialized care within their network.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. If you are seeking a PPO plan, you would need to explore options directly from insurers outside the marketplace, which means you would not be eligible for premium tax credits or cost-sharing reductions.

Understanding Financial Assistance

Many Davis County residents qualify for financial help to lower their health insurance costs:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). You can qualify for subsidies with incomes above 100% FPL.
Cost-Sharing Reductions (CSRs): Available to individuals and families with incomes up to 250% FPL, CSRs lower your out-of-pocket costs, such as deductibles, co-payments, and co-insurance. To receive CSRs, you must enroll in a Silver-tier plan.

These forms of assistance are crucial for making health insurance affordable, especially for those with moderate incomes.

Who Offers Health Plans in Davis County for 2026?

For the 2026 plan year, four health insurance carriers offer marketplace plans in Rating Area 3, which covers Davis County. This multi-county rating area also includes Salt Lake, Summit, Tooele, and Wasatch counties, ensuring that residents across these areas have access to competitive options. The confirmed carriers offering plans in Rating Area 3 for 2026 are:

BridgeSpan Health Company: Offers a range of plans designed to meet diverse needs, focusing on network-based care.
Regence BlueCross BlueShield of Utah: A well-established insurer providing various health coverage options with an emphasis on comprehensive benefits.
Select Health: Known for its strong presence in Utah, offering a variety of HMO and EPO plans.
University of Utah Health Plans: Provides plans that leverage the extensive network and resources of the University of Utah Health system.

When choosing a plan, it is important to review each carrier's specific offerings, network of doctors and hospitals, and cost-sharing structures to find the best fit for your healthcare needs and budget.

Understanding Utah Medicaid and CHIP in Davis County

Utah has expanded its Medicaid program, providing crucial health coverage for many low-income residents in Davis County. Unlike states that have not expanded Medicaid, Utah ensures that adults can qualify for coverage based solely on income, without additional categorical requirements.

Utah Medicaid Expansion

Utah expanded Medicaid in 2020 through a ballot initiative (Proposition 3). This means:

Adults (ages 19-64): Individuals and families with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. For an individual, this typically means an annual income of approximately $20,782 or less for 2026.
Pregnant Women: Utah Medicaid covers pregnant women with household incomes up to 144% FPL, providing comprehensive prenatal care, labor and delivery services, and postpartum care. This threshold is slightly higher than the standard adult expansion limit.
Children (CHIP): Utah's Children's Health Insurance Program (CHIP) provides coverage for uninsured children in households with incomes up to 200% FPL.

If your income falls within these thresholds, applying for Utah Medicaid or CHIP through the state's Medicaid portal (medicaid.utah.gov) is often the most cost-effective way to secure comprehensive health coverage. Unlike marketplace plans, Medicaid generally has no monthly premiums and very low out-of-pocket costs.

Federal Poverty Level (FPL) Income Examples (Approximate for 2026)

Household Size	138% FPL (Medicaid Adult)	144% FPL (Medicaid Pregnant Woman)	200% FPL (CHIP Child)
1	~$20,782	~$21,686	~$30,120
2	~$28,122	~$29,360	~$40,880
3	~$35,461	~$37,034	~$51,640
4	~$42,801	~$44,709	~$62,400

Note: These are approximate figures for 2026 FPL. Exact thresholds are updated annually by the federal government.

How to Choose the Right Plan in Davis County

Selecting the best health insurance plan involves considering several factors beyond just the monthly premium. Here's what Davis County residents should evaluate:

Network: Ensure your preferred doctors, specialists, and hospitals are included in the plan's network. This is especially critical for HMO and EPO plans. Davis County is served by four acute care hospitals: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Confirming that your chosen plan provides access to these or other preferred facilities is essential.
Deductible: This is the amount you must pay out-of-pocket for covered services before your insurance plan starts to pay. High-deductible plans often have lower premiums.
Out-of-Pocket Maximum: This is the most you will have to pay for covered services in a plan year. Once you reach this limit, your plan pays 100% of covered costs. A lower out-of-pocket maximum offers greater financial protection in case of serious illness or injury.
Co-payments and Co-insurance: Understand the fixed fees (co-pays) for doctor visits and prescriptions, and the percentage of costs (co-insurance) you pay after meeting your deductible.
Plan Tier (Bronze, Silver, Gold):
- Bronze Plans: Have the lowest monthly premiums but highest deductibles and out-of-pocket costs. They cover about 60% of medical costs, leaving you responsible for 40%. Best for those who expect minimal healthcare use.
- Silver Plans: Offer a balance of monthly premiums and out-of-pocket costs. They cover about 70% of medical costs. Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs) for those who qualify, making them a strong value for moderate-income individuals.
- Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs. They cover about 80% of medical costs. Ideal for those who anticipate frequent healthcare needs or prefer more predictable costs.

Davis County Demographics and Health Landscape

Davis County, with a population of 370,924, boasts a robust community and a relatively healthy insurance landscape. According to U.S. Census Bureau ACS 2024 5-year estimates, the median income in Davis County is $110,884, with a median age of 32.5 years. The poverty rate stands at 6.4%, significantly lower than the national average, reflecting a generally stable economic environment. Crucially, Davis County's uninsured rate is 5.7%, which is well below both the state and national averages, indicating strong access to health coverage across its communities, including the cities of Layton and Bountiful, where Holy Cross Hospital-davis and Lakeview Hospital are located, respectively. This strong coverage rate is supported by the availability of plans from four confirmed carriers in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties.

Next Steps for Securing Your Davis County Health Coverage

Once you have reviewed your options, the next step is to apply for coverage.

If you qualify for Medicaid or CHIP: Apply directly through Utah's Medicaid portal at medicaid.utah.gov.
If you are eligible for marketplace subsidies: Complete your application on HealthCare.gov. Be sure to provide accurate income and household information to ensure you receive all eligible financial assistance.
If you do not qualify for subsidies or prefer off-marketplace options: You can explore plans directly with the carriers operating in Utah or through a licensed agent.

A licensed health insurance producer can provide personalized, unbiased guidance tailored to your specific situation in Davis County. These professionals understand the nuances of the local market, including the networks of Holy Cross Hospital-davis, Lakeview Hospital, Intermountain Health Layton Hospital, and Western Peaks Specialty Hospital, and can help you compare plans and navigate the application process at no additional cost to you.

Frequently Asked Questions

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

In Davis County, Utah, marketplace plans available through HealthCare.gov for 2026 are limited to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. You will choose between plans that require you to select a primary care provider and get referrals (HMOs) or plans that do not require referrals but have a more restricted network (EPOs).

Does Utah Medicaid cover adults in Davis County?

Yes, Utah expanded its Medicaid program in 2020. Adults in Davis County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For 2026, this typically means an individual income of approximately $20,782 or less, or a household of three with an income of approximately $35,229 or less.

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

For the 2026 plan year, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Davis County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. You can compare their specific offerings on HealthCare.gov.

Is pregnancy a qualifying life event for special enrollment in Utah?

No, pregnancy alone is not considered a qualifying life event (QLE) for a Special Enrollment Period (SEP) under the Affordable Care Act (ACA). However, the birth of a child is a qualifying life event. Once your baby is born, you will have 60 days to enroll in or change a health plan through HealthCare.gov to cover your new child and yourself.

What is Rating Area 3 in Utah?

Rating Area 3 in Utah is a multi-county area for health insurance pricing. It includes Davis County, along with Salt Lake, Summit, Tooele, and Wasatch counties. This means that health insurance plans offered in Davis County are priced based on the collective risk and costs across all five counties within this rating area.