Imperial Health Plan Health Insurance in Davis County, Utah

Imperial Health Plan is NOT available on the HealthCare.gov marketplace in Davis County, Utah for the 2026 plan year.
Four other confirmed carriers offer marketplace plans in Davis County's Rating Area 3.
Utah residents can choose between HMO and EPO plan types on-exchange; PPO plans are not available.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.

If you are looking for Imperial Health Plan health insurance options in Davis County, Utah, it's important to know that Imperial Health Plan is not among the carriers offering plans on the HealthCare.gov marketplace for the 2026 plan year. However, residents of Davis County, which is part of Utah Rating Area 3, still have access to a robust selection of health insurance plans from four other confirmed carriers. These plans are available through HealthCare.gov, where eligible individuals and families can also receive financial assistance to lower their monthly premiums and out-of-pocket costs. Understanding your available options and eligibility for subsidies is key to finding the right coverage.

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What Health Insurance Options Are Available in Davis County, Utah?

Even though Imperial Health Plan does not offer marketplace plans in Davis County, you have access to a variety of comprehensive health insurance options through HealthCare.gov. In Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, four different health insurance carriers participate in the federal marketplace. These carriers offer plans with network structures primarily as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO plans are not available on-exchange in Utah, meaning your marketplace choice will focus on HMO and EPO network structures. These plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and maternity care, without annual or lifetime limits. Financial assistance, such as premium tax credits and cost-sharing reductions, is available to eligible individuals and families based on household income, making coverage more affordable.

Who Qualifies for Financial Assistance or Medicaid in Utah?

Accessing affordable health insurance in Davis County is often made possible through financial assistance programs. These subsidies are crucial for many residents to afford comprehensive health coverage.

Income Level (as % FPL)	Assistance Type	Details for Davis County Residents
Below 138% FPL	Utah Medicaid	Adults with income up to 138% FPL may qualify for Utah Medicaid, which provides comprehensive, low-cost coverage. Utah expanded Medicaid in 2020, eliminating a coverage gap for low-income adults.
100% - 400% FPL	Premium Tax Credits (Subsidies)	Eligible individuals and families can receive tax credits to reduce their monthly health insurance premiums on HealthCare.gov. The amount depends on household size and income.
Up to 250% FPL	Cost-Sharing Reductions (CSRs)	Available for those who enroll in a Silver-tier plan and have incomes up to 250% FPL. CSRs reduce deductibles, copayments, and out-of-pocket maximums, making care more affordable when you use it.
Pregnant Women (Up to 144% FPL)	Utah Medicaid for Pregnant Women	Provides comprehensive prenatal, delivery, and postpartum care. This is a specific extension above the standard adult Medicaid threshold.
Children (Up to 200% FPL)	Children's Health Insurance Program (CHIP)	Covers uninsured children in households up to 200% FPL, providing essential health services.

Davis County, with a population of 370,924 and an uninsured rate of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates, benefits significantly from these programs. The median income in the county is $110,884, and the median age is 32.5 years, indicating a diverse population with varying health insurance needs.

Health Insurance Carriers in Davis County

While Imperial Health Plan is not an option on the marketplace, residents of Davis County have choices from established carriers. In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These include:

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

These carriers provide a range of HMO and EPO plans across different metal tiers (Bronze, Silver, Gold), allowing you to select a plan that balances monthly premiums with out-of-pocket costs and network preferences. For example, Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful are among the four acute care hospitals serving Davis County residents, and their in-network status will vary by carrier and plan.

Choosing the Right Plan for Your Needs

Selecting the best health insurance plan involves considering your health needs, financial situation, and preferred doctors or hospitals.

Consider your budget: Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs, suitable for those who anticipate minimal healthcare use. Gold plans offer higher premiums but lower out-of-pocket costs, ideal for those who expect more frequent medical care.
Maximize subsidies with Silver plans: If your income qualifies for cost-sharing reductions (up to 250% FPL), Silver plans offer the best value, providing enhanced benefits and lower out-of-pocket expenses beyond just premium subsidies.
Check doctor and hospital networks: Since HMO and EPO plans are the primary options, ensure your preferred doctors, specialists, and facilities, such as the local hospitals in Davis County, are in-network for any plan you consider. You can typically verify this directly on the carrier's website or by contacting them.
Evaluate plan type: HMOs generally require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility to see specialists without a referral, as long as they are within the plan's network.

Navigating these choices can be complex. A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets your specific needs at no additional cost to you.

Frequently Asked Questions

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

No, Imperial Health Plan is not among the carriers offering plans on the HealthCare.gov marketplace in Davis County, Utah for the 2026 plan year. Residents can choose from four other confirmed carriers.

What type of health plans are available in Davis County, Utah?

In Davis County, as part of Utah Rating Area 3, consumers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah.

How do I know if I qualify for Medicaid in Utah?

Utah expanded Medicaid in 2020, making adults with household incomes up to 138% of the Federal Poverty Level (FPL) eligible. Pregnant women can qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL. You can apply through Utah's Medicaid portal (medicaid.utah.gov).

Can I get help paying for health insurance in Davis County?

Yes, individuals and families in Davis County with household incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits (subsidies) to reduce their monthly health insurance costs on HealthCare.gov. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) on Silver plans.