Imperial Health Plan Health Insurance in Centerville, Utah

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

Imperial Health Plan does not offer marketplace health insurance plans in Centerville, Utah, for the 2026 plan year.
Centerville residents can choose from 4 confirmed health insurance carriers on HealthCare.gov for 2026.
Utah's marketplace offers HMO and EPO plan types; PPO plans are not available on-exchange.
Adults in Centerville with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid.

If you're searching for Imperial Health Plan health insurance options in Centerville, Utah, it's important to know that Imperial Health Plan does not currently offer plans on HealthCare.gov in Centerville or its surrounding Rating Area 3 for the 2026 plan year. While Imperial Health Plan may operate in other regions or offer off-marketplace options, Centerville residents seeking subsidized coverage through the Affordable Care Act (ACA) marketplace will need to consider other carriers. This guide outlines the health insurance options available to Centerville residents, including the local carriers, plan types, and financial assistance programs like subsidies and Medicaid.

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What Health Insurance Options Are Available in Centerville, Utah?

Centerville residents primarily access health insurance through HealthCare.gov, the federal marketplace. For the 2026 plan year, four carriers are confirmed to offer 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 healthcare needs and budgets. It is important to note that PPO plans are not available on-exchange in Utah. The marketplace offers plans categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, indicating the average percentage of healthcare costs the plan is expected to cover:

Bronze plans: Cover approximately 60% of costs, with higher deductibles and out-of-pocket maximums. Best for those who expect minimal healthcare use or want protection against catastrophic costs.
Silver plans: Cover approximately 70% of costs. These are the only plans eligible for Cost-Sharing Reductions (CSRs) for eligible individuals, which lower deductibles, copayments, and coinsurance.
Gold plans: Cover approximately 80% of costs, with higher monthly premiums but lower out-of-pocket costs when care is needed.

Subsidies, known as Premium Tax Credits, are available to eligible individuals and families to help lower monthly premium costs. These subsidies are available to households with incomes between 100% and 400% of the Federal Poverty Level (FPL), and even higher in some cases, allowing many Centerville residents to access affordable coverage.

Health Insurance Carriers in Centerville

For the 2026 plan year, Centerville, Utah, which is part of Rating Area 3, has 4 confirmed carriers offering marketplace health insurance plans. These carriers provide a variety of HMO and EPO options to Centerville residents. Imperial Health Plan is not among the carriers offering plans in this rating area. The confirmed carriers are:

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

When selecting a plan, consider factors such as the plan's network, prescription drug coverage, and the specific hospitals and doctors you wish to access. Davis County, where Centerville is located, is home to four acute care hospitals: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. It is advisable to check if your preferred providers and facilities are in-network with the plan you choose.

Understanding Financial Assistance and Medicaid in Centerville

Many Centerville residents may qualify for financial assistance to make health insurance more affordable. This assistance comes primarily in two forms: Premium Tax Credits and Cost-Sharing Reductions (CSRs).

Income Level (as % FPL)	Assistance Type	Details
Below 138% FPL	Utah Medicaid	Adults, pregnant women (up to 144% FPL), and children (up to 200% FPL via CHIP) may qualify for comprehensive, low-cost coverage. Utah expanded Medicaid in 2020.
100% - 400% FPL (or higher)	Premium Tax Credits	Reduces monthly health insurance premiums on HealthCare.gov. Eligibility extends beyond 400% FPL for some households to prevent premiums exceeding 8.5% of income.
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Available only with Silver plans, these reduce deductibles, copayments, and coinsurance, lowering out-of-pocket costs when you receive care.

Utah expanded its Medicaid program in 2020, meaning adults with incomes up to 138% of the Federal Poverty Level are eligible for Utah Medicaid. For pregnant women, the income threshold is 144% FPL, and for children through the CHIP program, it's 200% FPL. This expanded eligibility ensures that more Centerville families have access to essential healthcare services without significant financial burden. The population of Centerville is 16,679 with a median income of $123,130, and an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates. Davis County, which encompasses Centerville, has a population of 370,924 with an uninsured rate of 5.7%. These figures highlight the importance of accessible and affordable health insurance options for the community.

How to Choose the Right Health Plan in Centerville

Choosing the right health plan involves evaluating your healthcare needs, financial situation, and preferred providers. Since Imperial Health Plan is not an option on the marketplace in Centerville, focus on the available carriers and their offerings. Consider the following steps:

Assess Your Healthcare Needs: If you visit the doctor frequently or have ongoing medical conditions, a Gold plan or a Silver plan with CSRs might be more cost-effective despite higher premiums. If you are generally healthy, a Bronze plan might suffice for catastrophic coverage.
Check Provider Networks: Ensure your preferred doctors, specialists, and hospitals in Davis County, such as Holy Cross Hospital-davis or Lakeview Hospital, are included in the plan's network. Remember that HMO and EPO plans typically have more restrictive networks than PPO plans, which are not available on-exchange in Utah.
Understand Costs: Compare monthly premiums, deductibles, copayments, and out-of-pocket maximums across different metal tiers and carriers. Use the HealthCare.gov calculator to estimate your potential subsidies.
Utilize an Agent: A licensed health insurance producer can help you navigate the marketplace, compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, and determine your eligibility for financial assistance, all at no cost to you.

Frequently Asked Questions

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

No, Imperial Health Plan does not offer health insurance plans on HealthCare.gov in Centerville, Utah, or across Rating Area 3 for the 2026 plan year. Residents should explore plans from the four confirmed carriers in the area: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

What types of health insurance plans can I get in Centerville, Utah?

In Centerville, Utah, marketplace shoppers can choose between HMO and EPO plans. PPO plans are not available on-exchange in Utah. These plans cover essential health benefits, including prescription drugs, mental health, and emergency care.

Do I qualify for Medicaid in Centerville, Utah?

Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, an individual earning up to approximately $20,780 annually could be eligible. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL through CHIP.

What hospitals are available in Davis County, Utah?

Davis County, where Centerville is located, has four acute care hospitals: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. When choosing a plan, verify that your preferred hospital is within the plan's network.

How do I apply for health insurance in Centerville?

You can apply for health insurance through HealthCare.gov during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period due to a qualifying life event. You can also work with a licensed health insurance producer who can assist you with the application process and help you compare plans from the available carriers.