Imperial Health Plan Health Insurance in Farmington, Utah

Farmington, Utah is part of Rating Area 3, which includes five counties: Davis, Salt Lake, Summit, Tooele, and Wasatch.
In 2026, four carriers offer marketplace plans in Rating Area 3: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Utah residents use HealthCare.gov to enroll in plans, with subsidies available for incomes up to 400% FPL.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.
PPO plans are NOT available on-exchange in Utah; marketplace options are limited to HMO and EPO plans.

Navigating health insurance options in Farmington, Utah, involves understanding local carrier availability, plan types, and eligibility for financial assistance through HealthCare.gov. While the specific carrier Imperial Health Plan does not currently offer marketplace plans in Farmington's Rating Area 3, residents still have robust choices from several established insurers. For 2026, four confirmed carriers provide Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans to Farmington residents. Utah's expanded Medicaid program also offers crucial support for lower-income individuals and families, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).

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What Health Insurance Plans Are Available in Farmington, Utah?

In Farmington, Utah, residents primarily access health insurance through HealthCare.gov, the federal marketplace. For the 2026 plan year, the marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will choose from HMO and EPO network structures. These plans cover essential health benefits, including doctor visits, prescription drugs, hospitalization, and preventive care, with varying levels of cost-sharing based on the metal tier (Bronze, Silver, Gold, Platinum). Financial assistance, including premium tax credits and cost-sharing reductions, is available for eligible individuals and families to make coverage more affordable. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL).

Who Qualifies for Utah Medicaid in Farmington?

Utah expanded its Medicaid program in 2020, making it accessible to more residents in Farmington and across the state. Adults with incomes up to 138% of the Federal Poverty Level (FPL) are generally eligible for Utah Medicaid. This expansion means that individuals who might have been in a "coverage gap" in non-expansion states can now access comprehensive, low-cost health coverage. Beyond standard adult eligibility, Utah Medicaid also provides specific coverage for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential medical and dental care.

Applications for Utah Medicaid can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Farmington

For Farmington residents, health insurance options on HealthCare.gov are provided by a select group of carriers. In 2026, four carriers offer marketplace 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 diverse healthcare needs. The confirmed local carriers for Farmington's Rating Area 3 are:

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

When comparing plans, it's crucial to review each carrier's network to ensure your preferred doctors and hospitals, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are included. Davis County's 4 acute care hospitals, including Intermountain Health Layton Hospital and Western Peaks Specialty Hospital, serve a population of 370,924 with a median income of $110,884. Farmington itself, with a population of 25,389, has a low uninsured rate of 2.5% and a median income of $127,338, per U.S. Census Bureau ACS 2024 5-year estimates.

Making Your Health Plan Decision in Farmington

Choosing the right health insurance plan in Farmington requires considering several factors, including your household income, anticipated medical needs, and preferred doctors. Here's a guide to help you decide:

Income Level (Relative to FPL)	Recommended Action	Key Benefits
Below 138% FPL	Apply for Utah Medicaid	Comprehensive coverage with little to no cost-sharing; includes medical, dental, and vision for eligible individuals.
100% - 250% FPL	Explore Silver plans with Cost-Sharing Reductions (CSRs)	Lower deductibles, copayments, and out-of-pocket maximums than other metal tiers, in addition to premium tax credits.
251% - 400% FPL	Compare Bronze, Silver, and Gold plans with Premium Tax Credits	Premium tax credits significantly reduce monthly premiums. Silver plans offer a balance of premium and out-of-pocket costs, while Gold plans have higher premiums but lower costs when you need care.
Above 400% FPL	Compare all available plans on HealthCare.gov or off-marketplace	While not eligible for subsidies, you can still find competitive plans. Consider network size, deductibles, and out-of-pocket maximums carefully.

Remember to verify that your preferred healthcare providers and facilities are in-network for any plan you consider. A licensed health insurance producer can provide personalized guidance and help you compare plans at no cost.

Frequently Asked Questions

What health insurance carriers offer plans in Farmington, Utah?

In 2026, four carriers offer marketplace plans in Rating Area 3, which includes Farmington: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. You can compare their HMO and EPO plans on HealthCare.gov.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid 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 a PPO plan on HealthCare.gov in Farmington, Utah?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Farmington will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans may be available off-marketplace, but without federal subsidies.

What is the uninsured rate in Farmington, Utah?

According to U.S. Census Bureau ACS 2024 5-year estimates, Farmington has an uninsured rate of 2.5%, which is significantly lower than the broader Davis County uninsured rate of 5.7%.