Health Insurance in Murray, Utah: Plans, Costs, & Local Options for 2026

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

Murray, Utah residents seeking health insurance for 2026 have several options available through HealthCare.gov, the federal marketplace. For the upcoming plan year, 5 insurance carriers are confirmed to offer plans in Rating Area 3, which includes Murray and other Salt Lake County communities. Shoppers will find a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, with potential eligibility for significant financial assistance based on income. Utah's expanded Medicaid program also provides coverage for adults with incomes up to 138% of the Federal Poverty Level, ensuring a safety net for many residents. This guide details the local plan landscape, costs, and key considerations for securing comprehensive health coverage in Murray.

What Health Insurance Plans Are Available in Murray, Utah?

In Murray, Utah, your primary avenue for health insurance is HealthCare.gov, the federal marketplace. The plans offered here are compliant with the Affordable Care Act (ACA) and are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plans, indicating the average percentage of healthcare costs the plan is expected to cover:

• Bronze plans: Cover about 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest out-of-pocket costs when you need care.
• Silver plans: Cover about 70% of costs, with you paying 30%. These are a popular choice, especially for those eligible for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums.
• Gold plans: Cover about 80% of costs, with you paying 20%. They have higher monthly premiums but lower costs when you receive medical services.
• Platinum plans: Cover about 90% of costs, with you paying 10%. These have the highest premiums but the lowest out-of-pocket expenses, suitable for those with extensive healthcare needs.

It's important to note that for Utah residents, the marketplace choice is primarily between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO (Preferred Provider Organization) plans are generally not available on-exchange in Utah for the 2026 plan year. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility but usually don't cover out-of-network care except in emergencies.

Understanding Marketplace Costs and Subsidies in Murray

The actual cost of health insurance in Murray can vary widely based on your income, age, and the plan tier you select. However, many residents qualify for financial assistance, which significantly lowers monthly premiums and out-of-pocket costs.

Premium Tax Credits

If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Advanced Premium Tax Credits (APTCs). These credits reduce your monthly premium instantly, making coverage more affordable. The FPL thresholds are updated annually, so it's essential to check the most current figures when you apply.

Cost-Sharing Reductions (CSRs)

For those with incomes between 100% and 250% FPL, and who enroll in a Silver plan, Cost-Sharing Reductions (CSRs) are available. CSRs enhance Silver plans by lowering deductibles, copayments, and out-of-pocket maximums, providing more robust coverage than a standard Silver plan at the same premium.

To give an idea of potential costs, here's a hypothetical look at monthly premiums for a 40-year-old non-smoker in Murray, Utah, before any subsidies. Actual costs will vary:

Note: These are illustrative figures. Your actual premium and deductible will depend on your specific circumstances, chosen plan, and any subsidies you qualify for. Use HealthCare.gov or consult a licensed agent for personalized quotes.

Utah Medicaid and CHIP Eligibility for Murray Residents

Unlike some states, Utah expanded its Medicaid program in 2020 via Proposition 3, making it a crucial safety net for many Murray residents. This expansion significantly broadens eligibility for adults.

• Adults: Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This means that if your income falls within this range, you would not be in a 'coverage gap' but would instead be eligible for comprehensive, low-cost or no-cost health coverage through the state program.
• Pregnant Women: Utah Medicaid covers pregnant women with 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.

Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal at medicaid.utah.gov. It is essential to apply if you believe you meet the income requirements, as these programs offer critical access to healthcare services.

Health Insurance Carriers in Murray

Murray, Utah, a city with a population of 50,188 and a median income of $90,746 per U.S. Census Bureau ACS 2024 5-year estimates, is served by health plans within Rating Area 3. This rating area also covers Davis, Summit, Tooele, and Wasatch counties, ensuring a broad network for residents. Local access to care is strong, with Intermountain Medical Center located directly in Murray, complemented by a total of 10 acute care hospitals across Salt Lake County, including major facilities like University of Utah Hospital and Clinics in nearby Salt Lake City. The city's uninsured rate stands at 7.1%, notably lower than the county average of 9.2% for Salt Lake County (U.S. Census Bureau ACS 2024 5-year estimates).

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 designed to meet various needs and budgets for Murray residents:

• 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, specialists, and hospitals are within the network of the plan you choose. While these carriers serve Rating Area 3, specific plan offerings and network directories can vary.

Accessing Healthcare in Murray: Local Hospitals and Networks

Murray residents benefit from excellent access to healthcare facilities, particularly with Intermountain Medical Center located within the city limits. This major acute care hospital serves as a key resource for the community. Beyond Murray, Salt Lake County is home to a total of 10 hospitals, providing a comprehensive range of medical services. These include:

• Holy Cross Hospital - Salt Lake (Salt Lake City)
• Lds Hospital (Salt Lake City)
• University of Utah Hospital and Clinics (Salt Lake City)
• Intermountain Medical Center (Murray)
• Intermountain Health Alta View Hospital (Sandy)
• St Mark's Hospital (Salt Lake City)
• Holy Cross Hospital-jordan Valley (West Jordan)
• Intermountain Health Riverton Hospital (Riverton)
• Lone Peak Hospital (Draper)
• Primary Children's Hospital (Salt Lake City)

When choosing a health insurance plan, always review the plan's provider directory to ensure your preferred doctors, clinics, and hospitals are in-network. This is especially important with HMO and EPO plans, where out-of-network care may not be covered or may come with significantly higher costs.

How to Choose the Right Health Plan in Murray

Selecting the best health insurance plan for your needs involves evaluating your income, health status, and preferences. Here’s a decision-making framework:

• If your income is below 138% FPL: Apply for Utah Medicaid immediately. This program offers comprehensive, low-cost or no-cost coverage.
• If your income is 100% - 250% FPL: Strongly consider a Silver plan on HealthCare.gov. You will likely qualify for both Premium Tax Credits to lower your monthly payments and Cost-Sharing Reductions to reduce your out-of-pocket costs.
• If your income is above 250% FPL but you still need premium assistance: Explore Bronze, Silver, or Gold plans on HealthCare.gov. Premium Tax Credits are available up to 400% FPL, and sometimes higher, depending on the lowest-cost Silver plan in your area.
• If you have significant medical needs: A Gold or Platinum plan may be a better fit, as they have higher premiums but lower out-of-pocket costs when you receive care.
• If you are generally healthy and want lower monthly payments: A Bronze plan might be suitable, but be prepared for higher costs if unexpected medical needs arise.

Navigating these choices can be complex. A licensed health insurance agent can provide personalized guidance, help you compare plans, and ensure you receive all eligible subsidies, all at no cost to you. They can also help you understand network specifics and find plans that include your preferred providers in Murray and Salt Lake County.

Frequently Asked Questions

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