Health Insurance in Washington County, Utah

Washington County, Utah is part of Rating Area 5, which also covers Iron County.
In 2026, 3 carriers — Molina Healthcare, Select Health, and University of Utah Health Plans — offer marketplace plans in Rating Area 5.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.
Marketplace plans in Washington County are limited to HMO and EPO network types; PPO plans are not available on-exchange.
Washington County has a population of 196,431 and an uninsured rate of 11.1%, per U.S. Census Bureau ACS 2024 estimates.

Navigating health insurance options in Washington County, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace for Utah residents. For 2026, individuals and families in Washington County will find a selection of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans tailored to their needs. Unlike some other states, PPO plans are not offered on the marketplace in Utah. Additionally, Utah expanded its Medicaid program in 2020, providing crucial coverage for many residents. This guide details the local carriers, plan types, and financial assistance options to help you secure comprehensive health coverage in Washington County.

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Understanding Health Insurance Options in Washington County

Residents of Washington County access health insurance plans primarily through HealthCare.gov, the federal marketplace. Here, you can compare plans, apply for subsidies, and enroll in coverage. The marketplace categorizes plans by metal tiers—Bronze, Silver, Gold, and Platinum—to indicate the balance between monthly premiums and out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles, suitable for those who expect minimal medical care. Silver plans offer a moderate balance and are the only tier eligible for cost-sharing reductions (CSRs) for qualifying individuals, which can significantly lower deductibles, copayments, and out-of-pocket maximums. Gold and Platinum plans feature higher premiums but lower out-of-pocket expenses when care is needed. It is important to note that in Utah, the marketplace choice for 2026 shoppers in Washington County is between HMO and EPO network structures. HMO plans typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPO plans offer more flexibility to see specialists without a referral, as long as they are within the plan's network. PPO plans are not available on-exchange in Utah, meaning all subsidy-eligible plans will utilize HMO or EPO networks.

Health Insurance Carriers in Washington County

For the 2026 plan year, 3 carriers offer marketplace health insurance plans in Washington County. Washington County is part of Utah Rating Area 5, which also covers Iron County. These carriers provide a range of HMO and EPO plans to suit various healthcare needs and budgets. The confirmed carriers for Rating Area 5 in 2026 are:

Molina Healthcare
Select Health
University of Utah Health Plans

When selecting a plan, it is advisable to review the specific network of each carrier to ensure your preferred doctors and hospitals, such as St. George Regional Hospital, are included. You can compare plans from these carriers directly on HealthCare.gov to find the best fit for your family's needs.

Washington County Demographics and Health Landscape

Washington County, with a population of 196,431 and an uninsured rate of 11.1% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 5, which also includes Iron County. The county's median income stands at $80,632, with a poverty rate of 9.8% and a median age of 39.1 years. Residents have access to St. George Regional Hospital in St. George for acute care within the county, and can choose from 3 marketplace carriers for 2026 coverage. This specific combination of demographics, rating area structure, and carrier options makes the local health insurance landscape unique compared to other areas of Utah. Understanding these local factors is key to making informed decisions about health coverage.

Navigating Medicaid and CHIP in Utah

Utah expanded its Medicaid program in 2020 following the passage of Proposition 3. This means that adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing access to comprehensive health coverage with no monthly premiums. This is a critical difference from states that have not expanded Medicaid, where many low-income adults might fall into a coverage gap. For pregnant women, Utah Medicaid offers coverage with incomes up to 144% FPL, which includes essential prenatal care, labor and delivery services, and postpartum care. For families with children, Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL. These programs are vital resources for ensuring that vulnerable populations in Washington County have access to necessary medical care. Applications for Utah Medicaid and CHIP can be made through Utah's Medicaid portal at medicaid.utah.gov.

Making an Informed Decision for Your Health Coverage

Choosing the right health insurance plan in Washington County 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 offers comprehensive coverage with minimal or no costs.
If your income is between 100% and 400% FPL: You may be eligible for significant premium tax credits (subsidies) through HealthCare.gov, making marketplace plans more affordable. Consider Silver plans if your income is between 100% and 250% FPL, as you may also qualify for cost-sharing reductions (CSRs) to lower your deductibles and copays.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase a plan through HealthCare.gov. Focus on finding a plan from Molina Healthcare, Select Health, or University of Utah Health Plans that best fits your budget and healthcare preferences, keeping in mind the HMO and EPO network limitations.

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

Frequently Asked Questions

What types of health insurance plans are available in Washington County, Utah?

In Washington County, residents shopping on HealthCare.gov for 2026 plans will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on the federal marketplace in Utah.

How many health insurance carriers offer plans in Washington County?

For the 2026 plan year, 3 carriers offer marketplace health insurance plans in Washington County, which is part of Utah Rating Area 5. These carriers are Molina Healthcare, Select Health, and University of Utah Health Plans.

Does Utah have expanded Medicaid?

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

Can I get financial help to pay for health insurance in Washington County?

Yes, if your income falls between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits (subsidies) through HealthCare.gov. Those with incomes between 100% and 250% FPL may also be eligible for cost-sharing reductions (CSRs), which lower out-of-pocket costs like deductibles and copays.