Health Insurance in Kearns, Utah

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

In 2026, residents of Kearns, Utah, can choose from 5 health insurance carriers offering marketplace plans in Rating Area 3 via HealthCare.gov.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% of the Federal Poverty Level eligible for coverage.
On-exchange PPO plans are not available in Utah; marketplace shoppers in Kearns will primarily find HMO and EPO network structures.
Salt Lake County, which includes Kearns, has a population of 1,196,523 and an uninsured rate of 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Kearns, Utah, involves understanding the specific plans available through HealthCare.gov, recognizing eligibility for Utah's expanded Medicaid program, and identifying the local carriers serving Salt Lake County. For 2026, Kearns residents will primarily find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the marketplace, as PPO plans are not offered on-exchange in Utah. Crucially, Utah expanded Medicaid in 2020, meaning adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for low-cost or no-cost coverage. Understanding these key factors is the first step toward securing appropriate health coverage in Kearns.

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What Health Insurance Options Are Available in Kearns, Utah?

For individuals and families in Kearns, Utah, health insurance is primarily accessed through the federal marketplace at HealthCare.gov. This platform allows you to compare plans, check eligibility for financial assistance, and enroll in coverage. In Utah, the marketplace offers two main types of plans: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that Preferred Provider Organization (PPO) plans are generally not available on the Utah marketplace. Financial assistance, including Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), can significantly lower the cost of coverage. Premium Tax Credits reduce your monthly premium, while Cost-Sharing Reductions lower your out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level.

Medicaid and CHIP Eligibility in Utah

Utah is an expansion state, meaning its Medicaid program covers more adults than in non-expansion states. Since 2020, adults in Utah with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive Utah Medicaid coverage. This is a critical distinction from states that have not expanded Medicaid, where many low-income adults fall into a "coverage gap." Beyond standard adult coverage, Utah Medicaid also provides specific programs for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers 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 portal at medicaid.utah.gov is often the most affordable and comprehensive option.

Understanding Plan Tiers: Bronze, Silver, Gold in Kearns

HealthCare.gov plans are categorized into metal tiers: Bronze, Silver, and Gold. These tiers indicate how you and your plan share the costs of care.

Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They cover about 60% of your medical costs, with you paying the remaining 40%. Bronze plans are suitable for individuals who anticipate minimal healthcare needs and want protection against catastrophic medical events.
Silver Plans: Silver plans strike a balance between premiums and out-of-pocket costs. They cover about 70% of your medical costs. If your income qualifies you for Cost-Sharing Reductions (CSRs), Silver plans become particularly valuable, as CSRs can significantly reduce your deductibles, copayments, and maximum out-of-pocket limits, making them "Enhanced Silver" plans.
Gold Plans: Gold plans have higher monthly premiums but lower deductibles and out-of-pocket costs, covering approximately 80% of your medical expenses. These plans are ideal for individuals who expect to use medical services frequently and prefer more predictable costs throughout the year.

The best tier for you depends on your health needs, financial situation, and whether you qualify for subsidies.

Health Insurance Carriers in Kearns

For the 2026 plan year, residents of Kearns, Utah, have access to a competitive marketplace through HealthCare.gov. In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans tailored to different needs and budgets. The confirmed health insurance carriers offering plans in Rating Area 3 for 2026 are:

BridgeSpan Health Company
Imperial Health Plan of Utah
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 medical facilities are in-network with the chosen carrier and plan type. Each carrier offers various plans within the Bronze, Silver, and Gold tiers, allowing for diverse choices.

Local Healthcare Providers and Hospitals Serving Kearns

Kearns is located within Salt Lake County, which is served by a robust network of healthcare facilities. Salt Lake County boasts 10 acute care hospitals, providing comprehensive medical services to its large population. Major healthcare systems and facilities that serve Kearns residents include University of Utah Hospital and Clinics, Intermountain Medical Center, and St Mark's Hospital. Holy Cross Hospital - Salt Lake is also a significant provider in the area. Salt Lake County, which includes Kearns, has a population of 1,196,523 and an uninsured rate of 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates. This diverse healthcare landscape ensures that residents have access to a wide range of specialized care and emergency services within Rating Area 3. When choosing a health plan, always confirm that the hospitals and doctors you intend to use are part of the plan's network to avoid unexpected out-of-pocket costs.

Finding the Right Health Plan in Kearns

Choosing the right health insurance plan in Kearns depends on several factors, including your income, health needs, and preferred doctors.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This provides comprehensive coverage at little to no cost.
If your income is between 100% and 400% FPL: You are likely eligible for significant Premium Tax Credits to lower your monthly premiums. If your income is also below 250% FPL, you may qualify for Cost-Sharing Reductions, making Silver plans particularly valuable.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a marketplace plan. Consider Bronze plans for lower premiums or Gold plans for more predictable costs if you expect frequent medical care.

An independent licensed health insurance producer can help you navigate these options, compare plans from the 5 available carriers in Rating Area 3, and ensure you enroll in a plan 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 Kearns, Utah?

In Kearns, Utah, marketplace plans available through HealthCare.gov primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are generally not available on-exchange in Utah.

Does Utah have expanded Medicaid?

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

How many health insurance carriers offer plans in Kearns?

For the 2026 plan year, 5 health insurance carriers offer plans in Rating Area 3, which includes Kearns and the rest of Salt Lake County. These carriers are BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Can I get a PPO plan on the marketplace in Kearns?

No, PPO (Preferred Provider Organization) plans are not typically available on the HealthCare.gov marketplace in Utah. Shoppers in Kearns will primarily choose between HMO and EPO plans for their on-exchange coverage options.

Where can I apply for Utah Medicaid?

You can apply for Utah Medicaid directly through the state's Medicaid portal at medicaid.utah.gov. You can also check eligibility and apply through HealthCare.gov, which will direct you to the appropriate state resources if you qualify for Medicaid.