Health Insurance in Herriman, Utah: Your 2026 Guide

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

Herriman is located in Utah Rating Area 3, where 5 health insurance carriers offer marketplace plans in 2026.
Utah has expanded Medicaid, making adults with incomes up to 138% of the Federal Poverty Level eligible for coverage.
Marketplace plans available in Herriman are exclusively HMO and EPO network types; PPO plans are not offered on-exchange in Utah.
The median household income in Herriman is $122,650, significantly higher than Salt Lake County's median of $97,494, per U.S. Census Bureau ACS 2024 5-year estimates.
Herriman's uninsured rate is 2.8%, much lower than Salt Lake County's average of 9.2%.

Navigating health insurance options in Herriman, Utah, involves understanding the federal marketplace, local plan availability, and state-specific programs like Utah Medicaid. For 2026, residents of Herriman can access health plans through HealthCare.gov, where financial assistance may be available to reduce monthly premiums and out-of-pocket costs. These plans primarily utilize HMO and EPO network structures, as PPO plans are not offered on the Utah marketplace. With Utah's Medicaid expansion, many low-income adults, pregnant women, and children also have access to comprehensive, low-cost coverage. This guide will help Herriman residents understand their options for securing affordable and suitable health insurance.

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Finding Affordable ACA Plans in Herriman through HealthCare.gov

As part of the federal marketplace, HealthCare.gov is the primary platform for Herriman residents to enroll in health insurance plans under the Affordable Care Act (ACA). When you apply through HealthCare.gov, your income and household size determine your eligibility for financial assistance, which can significantly lower your costs. Premium Tax Credits can reduce your monthly premiums, while Cost-Sharing Reductions (CSRs) can decrease deductibles, copayments, and out-of-pocket maximums, especially for those who enroll in Silver-tier plans. In Utah, marketplace plans are offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in the state. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility to see specialists without a referral, but generally only cover care within their network. Plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—reflecting the percentage of medical costs the plan covers versus what you pay out-ofpocket. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Platinum plans have the highest premiums and lowest out-of-pocket costs.

Utah Medicaid and CHIP Eligibility in Herriman

Utah expanded its Medicaid program in 2020 through a ballot initiative, significantly broadening access to affordable healthcare for many residents. For adults in Herriman, this means you may qualify for Utah Medicaid if your household income is at or below 138% of the Federal Poverty Level (FPL). This expansion ensures that individuals and families who previously faced a coverage gap can now access comprehensive health benefits without premiums or high out-of-pocket costs. Beyond standard adult coverage, Utah Medicaid also provides specific programs for vulnerable populations. Pregnant women in Herriman with household incomes up to 144% FPL are eligible for Medicaid, covering essential prenatal care, labor and delivery, and postpartum services. Additionally, children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP), offering low-cost healthcare for uninsured children. Applications for these programs can be submitted through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Herriman

Residents of Herriman, Utah, have several options when it comes to choosing a health insurance carrier on HealthCare.gov. Herriman is located within Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, 5 carriers offer marketplace plans in Rating Area 3:

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

These carriers provide a range of HMO and EPO plans across different metal tiers, allowing Herriman residents to select a plan that best fits their healthcare needs and budget. It is important to compare plan benefits, provider networks, and costs carefully when making your selection.

Healthcare Access and Hospitals in Salt Lake County

Herriman is situated in Salt Lake County, which provides a robust healthcare infrastructure with numerous hospitals and medical centers. Per U.S. Census Bureau ACS 2024 5-year estimates, Herriman has a population of 59,346 with a median age of 29.8 years, and a low uninsured rate of 2.8%. Salt Lake County itself is home to 10 acute care hospitals and specialized facilities, ensuring comprehensive medical services are accessible to residents. Major medical systems serving the area include Holy Cross Hospital - Salt Lake, University of Utah Hospital and Clinics, and Intermountain Medical Center. Other notable facilities in Salt Lake County include Lds Hospital, Intermountain Health Alta View Hospital, St Mark's Hospital, Holy Cross Hospital-jordan Valley, Intermountain Health Riverton Hospital, Lone Peak Hospital, and Primary Children's Hospital. These institutions offer a wide array of services from emergency care to specialized treatments, supporting the health needs of Herriman and the broader Salt Lake County community.

Choosing the Best Health Plan for Your Needs in Herriman

Selecting the right health insurance plan in Herriman depends on several factors, including your income, health needs, and preferred type of provider network.

Consider Your Income: If your income falls below 138% FPL, you likely qualify for Utah Medicaid. If it's between 100% and 400% FPL, you may be eligible for significant Premium Tax Credits and potentially Cost-Sharing Reductions on Silver plans through HealthCare.gov.
Understand Plan Types: Remember that only HMO and EPO plans are available on-exchange in Utah. Consider whether you prefer the structure of an HMO, which typically requires a primary care physician and referrals, or an EPO, which allows direct access to specialists within its network.
Evaluate Metal Tiers: Choose a metal tier (Bronze, Silver, Gold, Platinum) that balances your monthly premium with your potential out-of-pocket costs. Bronze plans are often best for those who expect minimal healthcare use, while Gold or Platinum plans might be better for those with chronic conditions or who anticipate frequent medical needs. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions.

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

Frequently Asked Questions

Is Herriman, Utah part of the federal or state health insurance marketplace?

Herriman, Utah, like the rest of the state, uses the federal health insurance marketplace, HealthCare.gov. This is where individuals and families can compare plans, apply for subsidies, and enroll in coverage.

Are PPO plans available on the HealthCare.gov marketplace in Herriman, Utah?

No, PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Herriman will choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures.

What are the income limits for Medicaid in Utah?

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

How many health insurance carriers offer plans in Herriman, Utah?

For the 2026 plan year, there are 5 confirmed health insurance carriers offering marketplace plans in Rating Area 3, which includes Herriman, Utah. These carriers are BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.