Imperial Health Plan Health Insurance in Clearfield, Utah

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

Imperial Health Plan does not offer health insurance coverage in Clearfield, Utah, for the 2026 plan year.
Four confirmed carriers offer marketplace plans in Clearfield's Rating Area 3, including Select Health and Regence BlueCross BlueShield of Utah.
Utah uses HealthCare.gov for marketplace enrollment, offering HMO and EPO plans; PPO plans are not available on-exchange.
Utah expanded Medicaid, meaning adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL may qualify for coverage.

If you're looking for health insurance options from Imperial Health Plan in Clearfield, Utah, it's important to know that Imperial Health Plan does not currently offer health insurance plans in Clearfield or the surrounding Rating Area 3 for the 2026 plan year. Residents of Clearfield will need to explore plans from other carriers available on HealthCare.gov, Utah's federal health insurance marketplace. Understanding your options, including available plan types, potential subsidies, and local carriers, is key to finding the right coverage for your needs in Clearfield.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Are Available in Clearfield, Utah?

Residents of Clearfield, Utah, have several avenues for obtaining health insurance, primarily through HealthCare.gov, Utah's official health insurance marketplace. Eligibility for subsidies, which can significantly reduce monthly premiums and out-of-pocket costs, is determined by household income relative to the Federal Poverty Level (FPL). On HealthCare.gov, plans are 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 low monthly premiums.
Silver plans: Cover approximately 70% of costs. These plans are particularly valuable for individuals and families with lower incomes, as they may qualify for Cost-Sharing Reductions (CSRs) that further reduce deductibles, copayments, and coinsurance.
Gold plans: Cover approximately 80% of costs, featuring higher monthly premiums but lower deductibles and out-of-pocket maximums. Ideal for those who anticipate more frequent medical care.

In Utah, marketplace plans are offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. PPO plans are not available on-exchange in Utah, meaning shoppers will choose between HMO and EPO structures. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility but still limit coverage to a network of providers, typically without requiring referrals.

Understanding Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing crucial coverage for many residents. This expansion means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, ensuring that low-income adults in Clearfield have access to affordable healthcare without falling into a "coverage gap." Beyond standard adult Medicaid, Utah offers specific programs to support vulnerable populations:

Pregnant Women Medicaid: Covers pregnant individuals with incomes up to 144% FPL. This comprehensive coverage includes prenatal care, labor and delivery services, and postpartum care. Applications can be made through Utah's Medicaid portal (medicaid.utah.gov).
Children's Health Insurance Program (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for Utah CHIP, providing essential health services for younger residents.

These programs are vital safety nets, ensuring that families in Clearfield, especially those with children or expecting mothers, have access to necessary medical care.

Health Insurance Carriers in Clearfield, Utah

Clearfield is located in Davis County, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, four carriers offer marketplace health insurance plans in Rating Area 3. These carriers provide a range of HMO and EPO options for residents. The confirmed carriers for Clearfield and Rating Area 3 are:

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

It is important to reiterate that Imperial Health Plan does not offer coverage in this region. When selecting a plan, consider factors such as network size, specific doctors and hospitals included, prescription drug coverage, and overall costs beyond the premium. Clearfield, with a population of 33,523 and a median income of $75,495 per U.S. Census Bureau ACS 2024 5-year estimates, is served by hospitals in Davis County, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. These facilities are part of the broader healthcare landscape that carriers in Rating Area 3 integrate into their networks. Davis County itself has a population of 370,924 and an uninsured rate of 5.7%, significantly lower than Clearfield's 9.6%.

How to Choose the Right Health Plan in Clearfield

Selecting the best health insurance plan in Clearfield depends on your individual health needs, financial situation, and preferences. Consider the following steps and factors:

Income Level Relative to FPL	Key Action/Recommendation	Details
Below 138% FPL	Apply for Utah Medicaid	You likely qualify for comprehensive, low-cost coverage. Pregnant women up to 144% FPL, children up to 200% FPL for CHIP.
100% - 250% FPL	Consider Silver plans with Cost-Sharing Reductions (CSRs)	You qualify for significant subsidies, including reduced deductibles and copayments, making Silver plans very affordable.
138% - 400% FPL (or higher, depending on household size)	Explore Bronze, Silver, or Gold plans with Premium Tax Credits	You may qualify for federal subsidies to lower your monthly premiums. Bronze plans offer lowest premiums, Gold plans offer lower out-of-pocket costs.
Above subsidy eligibility thresholds	Compare all available plans on HealthCare.gov	You will pay full price for premiums but can still choose the plan that best fits your medical needs and budget.

When comparing plans, pay close attention to the metal tier, as it indicates the cost-sharing structure. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs. Evaluate the network of providers for each plan, ensuring your preferred doctors, specialists, and hospitals like Intermountain Health Layton Hospital or Western Peaks Specialty Hospital are included. Also, check the formulary for your prescription medications to ensure they are covered. A licensed health insurance producer can provide personalized guidance, helping 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

Can I get Imperial Health Plan coverage in Clearfield, Utah?

No, Imperial Health Plan does not offer health insurance plans in Clearfield, Utah, or any part of Rating Area 3 for the 2026 plan year. Residents of Clearfield must choose from other confirmed carriers available on HealthCare.gov.

What types of health plans are available on HealthCare.gov in Clearfield?

In Clearfield, Utah, marketplace shoppers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Am I eligible for Medicaid in Clearfield, Utah?

Yes, Utah expanded Medicaid in 2020. Adults with income 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 up to 200% FPL for CHIP.

How many health insurance carriers offer plans in Clearfield's rating area?

For the 2026 plan year, four carriers offer marketplace health insurance plans in Rating Area 3, which includes Clearfield and other surrounding counties. These include BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.