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

Finding Affordable Health Insurance in Roosevelt, Utah for 2026

Roosevelt residents can choose from HMO and EPO health plans available through HealthCare.gov, the federal marketplace for Utah.
In 2026, four confirmed carriers offer marketplace plans in Utah Rating Area 6, which includes Roosevelt's Duchesne County.
Utah expanded Medicaid in 2020, providing coverage for adults with incomes up to 138% of the Federal Poverty Level (FPL).
Pregnant women in Roosevelt may qualify for Utah Medicaid with incomes up to 144% FPL, and children up to 200% FPL through CHIP.

For residents of Roosevelt, Utah, securing affordable health insurance for 2026 involves navigating options primarily through HealthCare.gov, the federal marketplace. As part of Utah Rating Area 6, Roosevelt residents have access to plans from four confirmed carriers, offering network structures predominantly as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). Unlike some other states, PPO plans are not available on-exchange in Utah. Understanding your income and household size is crucial, as federal subsidies can significantly lower your monthly premiums and out-of-pocket costs, making comprehensive coverage more accessible. Utah's expanded Medicaid program also offers a vital safety net for many low-income individuals and families.

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What Are Your Health Insurance Options in Roosevelt, Utah?

Roosevelt, Utah, residents primarily access health insurance through HealthCare.gov, the federal marketplace where individuals and families can compare and enroll in plans. For 2026, the marketplace in Utah offers plans with Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO options. Subsidies, known as Advance Premium Tax Credits (APTCs), are available to eligible individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). These subsidies can drastically reduce your monthly premium payments. Additionally, Cost-Sharing Reductions (CSRs) are available for those with incomes up to 250% FPL who enroll in a Silver-tier plan, lowering deductibles, copayments, and out-of-pocket maximums.

Understanding Utah Medicaid and CHIP in Roosevelt

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing crucial coverage for many residents. For adults in Roosevelt, this means you may qualify for Utah Medicaid with an income up to 138% of the Federal Poverty Level (FPL). This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring that those with low incomes have access to essential health benefits. 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 comprehensive coverage includes prenatal care, labor and delivery services, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to pediatric care, immunizations, and other vital services.

These programs are critical resources for Roosevelt families, offering no-cost or low-cost health coverage based on income and household size.

Health Insurance Carriers in Roosevelt

For 2026, residents of Roosevelt and the broader Utah Rating Area 6 have access to marketplace plans from four confirmed health insurance carriers. These carriers offer a range of HMO and EPO plans designed to meet various healthcare needs and budgets. The confirmed carriers serving Roosevelt are:

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

When choosing a plan, it is important to consider not only the premium but also the network of doctors and hospitals, the deductible, and the out-of-pocket maximums. Comparing plan details from each of these carriers on HealthCare.gov will help you find the best fit for your healthcare needs.

Local Healthcare Providers in Duchesne County

Roosevelt, with a population of 7,078 and an uninsured rate of 13.4% per U.S. Census Bureau ACS 2024 5-year estimates, is situated in Duchesne County, which has a total population of 20,185. Residents in this area, part of Utah Rating Area 6, receive acute care services at facilities like Uintah Basin Medical Center, the primary hospital located within Roosevelt itself. This specific local context shapes the available health plan options and access to care for the community. Duchesne County's median age is 34.1 years, and its median income is $78,445, per U.S. Census Bureau ACS 2024 5-year estimates. When selecting a health plan, verifying that your preferred doctors and local facilities, such as Uintah Basin Medical Center, are in-network is a critical step to ensure seamless access to care.

Choosing the Right Plan: Next Steps for Roosevelt Residents

Navigating health insurance options can feel complex, but understanding your eligibility and local choices simplifies the process. Here's a guide to your next steps in Roosevelt:

If your income is below 138% FPL (or 144% FPL for pregnant women, 200% FPL for children): You likely qualify for Utah Medicaid or CHIP. Apply directly through the Utah Medicaid portal to get comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for federal subsidies (APTCs) on HealthCare.gov. Focus on comparing Bronze, Silver, and Gold plans. If your income is below 250% FPL, a Silver plan with Cost-Sharing Reductions (CSRs) may offer the best value with lower out-of-pocket costs.
If your income is above 400% FPL: You can still enroll in plans through HealthCare.gov, but you won't qualify for subsidies. Compare plans based on premiums, deductibles, and network coverage.

A licensed health insurance agent specializing in the Utah marketplace can provide personalized, free assistance. They can help you compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, ensure your preferred providers are in-network, and calculate your exact subsidy eligibility.

Frequently Asked Questions

Can I get a PPO health plan on the marketplace in Roosevelt, Utah?

No, PPO plans are not available on-exchange in Utah for 2026. Roosevelt residents shopping on HealthCare.gov will find plan options structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organization (EPOs).

What are the income limits for Utah Medicaid in Roosevelt?

Utah expanded Medicaid in 2020, so adults in Roosevelt may qualify with incomes up to 138% of the Federal Poverty Level (FPL). Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through Utah's Children's Health Insurance Program (CHIP).

How many health insurance carriers offer plans in Roosevelt for 2026?

For 2026, four confirmed carriers offer marketplace health plans in Utah Rating Area 6, which includes Roosevelt and Duchesne County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Is Roosevelt part of a multi-county rating area?

Yes, Roosevelt is located in Duchesne County, which is part of Utah Rating Area 6. This rating area covers a total of 16 counties, including Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties.