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

Imperial Health Plan Health Insurance in Cedar City, Utah: What's Available for 2026?

Imperial Health Plan is NOT among the 3 carriers offering marketplace plans in Cedar City's Rating Area 5 for 2026.
Cedar City residents can choose from plans offered by Molina Healthcare, Select Health, and University of Utah Health Plans on HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level and pregnant women up to 144% FPL.
The average uninsured rate in Cedar City is 9.9%, slightly below Iron County's 10.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you're searching for health insurance options from Imperial Health Plan in Cedar City, Utah, it's important to know their availability on the Affordable Care Act (ACA) marketplace. For the 2026 plan year, Imperial Health Plan is not listed among the confirmed carriers offering health insurance plans through HealthCare.gov in Cedar City. This means you will need to explore plans from other providers to secure coverage that may be eligible for federal subsidies. Cedar City residents, like those across Utah, will find a selection of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans available, as PPO plans are not offered on-exchange in the state.

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What Health Insurance Plans Are Available in Cedar City, Utah?

While Imperial Health Plan does not offer marketplace coverage in Cedar City for 2026, residents have other options. All individual and family health insurance plans in Utah, including those in Cedar City, are sold through HealthCare.gov, the federal marketplace. These plans are regulated by the ACA, ensuring they cover essential health benefits, pre-existing conditions, and provide financial assistance based on income. Utah's marketplace offers two primary types of network structures:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialist visits. They often have lower premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO) Plans: EPOs offer a bit more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, they generally don't cover out-of-network care except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your marketplace choice in Cedar City will be between HMO and EPO options.

Who Offers Marketplace Health Insurance in Cedar City?

For the 2026 plan year, Cedar City residents seeking health insurance through HealthCare.gov in Rating Area 5 (which covers Iron and Washington counties) have access to plans from 3 confirmed carriers. These carriers provide a range of options designed to meet various healthcare needs and budgets:

Molina Healthcare
Select Health
University of Utah Health Plans

These insurers offer plans across different metal tiers—Bronze, Silver, Gold, and Platinum—each with varying levels of premium costs and out-of-pocket expenses. When comparing plans, consider not only the monthly premium but also deductibles, copayments, coinsurance, and the maximum out-of-pocket limit. Cedar City Hospital, the sole acute care hospital in Iron County, serves the local community. When selecting a plan, verify that your preferred doctors and facilities, including Cedar City Hospital, are in the plan's network.

Understanding Costs and Financial Assistance in Cedar City

Many Cedar City residents qualify for financial assistance to make health insurance more affordable. Subsidies, in the form of premium tax credits and cost-sharing reductions, are available through HealthCare.gov based on your household income and family size. Premium Tax Credits: These reduce your monthly premium payment. Eligibility is generally for those earning between 100% and 400% of the Federal Poverty Level (FPL). Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available to individuals and families earning up to 250% FPL and are only accessible with Silver-tier plans. Opting for an Enhanced Silver plan if you qualify for CSRs can provide significant savings. For example, a family of four in Cedar City with an income of $65,000 (around 200% FPL) would likely qualify for substantial premium tax credits and cost-sharing reductions, making a Silver plan much more affordable. Residents of Cedar City, with a median income of $63,589 and a poverty rate of 18.9% per U.S. Census Bureau ACS 2024 5-year estimates, often benefit significantly from these subsidies.

Utah Medicaid and CHIP Eligibility

Utah expanded its Medicaid program in 2020, offering critical coverage to many low-income residents. This is a significant difference from some other states, as it means there is no "coverage gap" for adults below the federal poverty line. Adults: If your household income is up to 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid. Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care. This threshold extends beyond the standard adult Medicaid eligibility. Children (CHIP): Uninsured children in households with income up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP). For those who qualify, Utah Medicaid offers comprehensive benefits with no monthly premiums and minimal or no out-of-pocket costs. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).

Making Your Health Plan Decision in Cedar City

Choosing the right health insurance plan involves balancing costs, coverage, and network access. Given that Imperial Health Plan is not available in Cedar City, you'll want to focus on the options from Molina Healthcare, Select Health, and University of Utah Health Plans.

Cedar City, located in Iron County, has a population of 38,524 and an uninsured rate of 9.9%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is slightly lower than Iron County's overall uninsured rate of 10.3%. The city's primary acute care facility is Cedar City Hospital. When comparing plans, consider the following:

Your Healthcare Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold or Silver plan with lower out-of-pocket costs might be more economical, especially if you qualify for cost-sharing reductions.
Budget: Bronze plans typically have the lowest premiums but high deductibles. They are suitable for those who expect minimal healthcare use and want protection against catastrophic events.
Doctor and Hospital Network: Always confirm that your preferred doctors, specialists, and Cedar City Hospital are included in the plan's network before enrolling.
Medicaid Eligibility: If your income is below 138% FPL (144% for pregnant women), explore Utah Medicaid first, as it offers robust coverage at no or very low cost.

Navigating these choices can be complex. A licensed health insurance producer can provide free, unbiased assistance to help you compare plans, understand subsidies, and enroll in coverage that best fits your needs in Cedar City.

Frequently Asked Questions

Is Imperial Health Plan available on HealthCare.gov in Cedar City, Utah?

No, Imperial Health Plan is not among the confirmed carriers offering marketplace plans in Cedar City, Utah (Rating Area 5) for the 2026 plan year. Residents should explore plans from Molina Healthcare, Select Health, and University of Utah Health Plans instead.

What types of health insurance plans are available in Cedar City, Utah?

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

Can I get financial assistance for health insurance in Cedar City?

Yes, many Cedar City residents qualify for subsidies (premium tax credits and cost-sharing reductions) to lower their health insurance costs. Eligibility is based on household income relative to the Federal Poverty Level (FPL). You can apply through HealthCare.gov to see your personalized subsidy eligibility.

Does Utah have expanded Medicaid?

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