Imperial Health Plan Health Insurance in Garfield County, Utah

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

In 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Garfield County's Rating Area 6.
Imperial Health Plan is not among the confirmed carriers offering plans on HealthCare.gov in Garfield County for 2026.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.
Garfield County has a population of 5,219 and an uninsured rate of 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Garfield County, Utah, involves understanding what plans are locally available and how federal and state programs can help make coverage affordable. While you might be searching for Imperial Health Plan health insurance, for the 2026 plan year, Imperial Health Plan is not among the confirmed carriers offering plans on HealthCare.gov in Garfield County. Instead, residents can explore plans from Select Health and University of Utah Health Plans. Utah operates a federally facilitated marketplace through HealthCare.gov, where individuals and families can compare and enroll in health plans, often with financial assistance. This guide will detail your actual options for health insurance in Garfield County, including marketplace plans, Medicaid, and special enrollment periods.

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What Health Plans Are Available in Garfield County, Utah?

For 2026, residents of Garfield County, Utah, have access to marketplace health insurance plans primarily through HealthCare.gov. The available plan types in Utah are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your marketplace choice will focus on HMO and EPO network structures. These plans are offered across Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. HealthCare.gov offers a range of plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum.

Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, covering approximately 60% of medical costs.
Silver plans offer a balance of premiums and cost-sharing, covering about 70% of costs. Crucially, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums for individuals and families with incomes up to 250% of the Federal Poverty Level.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket costs, covering around 80% of expenses.

Subsidies, known as Premium Tax Credits, are available to eligible individuals and families to help lower monthly premiums for plans across all metal tiers. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level.

Health Insurance Carriers in Garfield County

For the 2026 plan year, two health insurance carriers offer marketplace plans in Garfield County, Utah (Rating Area 6). These carriers provide a selection of HMO and EPO plans designed to meet various healthcare needs and budgets. The confirmed carriers for Garfield County are:

Select Health: A prominent regional insurer offering a variety of health plans, including those available on HealthCare.gov.
University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier provides plans focused on access to their network of providers.

It is important to note that Imperial Health Plan is not listed among the confirmed carriers offering plans on HealthCare.gov in Garfield County for 2026. When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, prescription drug coverage, and whether your preferred doctors and specialists are within the plan's network.

Understanding Financial Assistance and Medicaid in Utah

Affordable Care Act (ACA) marketplace plans are often more affordable than many people realize, thanks to financial assistance. Two main types of assistance are available:

Premium Tax Credits: These subsidies reduce your monthly premium payments. Eligibility is based on household income, and many Garfield County residents will qualify, particularly those with incomes between 100% and 400% of the Federal Poverty Level.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver-tier plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You must have an income between 100% and 250% of the Federal Poverty Level to qualify for CSRs.

Utah Medicaid and CHIP Eligibility

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing broader coverage for low-income residents. This is a critical distinction from some other states.

Adults: If your household income is at or below 138% of the Federal Poverty Level, you may qualify for Utah Medicaid. This means that unlike non-expansion states, there is no "coverage gap" for adults with incomes below 100% FPL who do not qualify for marketplace subsidies.
Pregnant Women: Utah Medicaid covers pregnant women with household incomes up to 144% FPL. This comprehensive coverage includes 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.

You can apply for Utah Medicaid or CHIP through Utah's Medicaid portal at medicaid.utah.gov. It's recommended to apply even if you are unsure of your eligibility, as programs may have different income thresholds based on household composition and specific circumstances.

Garfield County Health Landscape and Local Considerations

Garfield County, part of Utah Rating Area 6, is one of the state's more rural counties, with a population of 5,219 and an uninsured rate of 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates. The median household income is $61,875. A key local consideration for residents is the absence of acute care hospitals within the county boundaries. This means that residents needing emergency services or inpatient care typically travel to neighboring counties for treatment. Understanding your plan's network and out-of-area coverage is especially important in this context. Despite the rural nature, access to marketplace plans and robust Medicaid options helps ensure that residents can find suitable coverage.

How to Choose the Right Health Plan in Garfield County

Selecting the best health insurance plan depends on your individual and family needs, health status, and financial situation. Here's a step-by-step approach:

Assess Your Healthcare Needs: Consider how often you expect to visit the doctor, whether you have ongoing prescriptions, or if you anticipate any major medical procedures in the coming year.
Understand Plan Types: In Garfield County, your marketplace choices will be HMO and EPO plans. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer a bit more flexibility but generally don't cover out-of-network care.
Evaluate Costs: Look at both the monthly premium and potential out-of-pocket costs (deductible, copayments, coinsurance, and out-of-pocket maximum). A higher premium often means lower out-of-pocket costs when you need care.
Check Provider Networks: Confirm that your preferred doctors, specialists, and any facilities you use (even if in a neighboring county) are included in the plan's network.
Utilize Financial Assistance: Apply through HealthCare.gov to see if you qualify for Premium Tax Credits or Cost-Sharing Reductions, which can significantly lower your costs.

If you are looking for coverage from Imperial Health Plan, it is important to verify their specific offerings and network availability directly, as they are not currently listed as an on-exchange carrier in Garfield County for 2026.

Frequently Asked Questions

Are PPO plans available on HealthCare.gov in Garfield County, Utah?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Garfield County. Shoppers in Utah primarily choose between HMO and EPO network structures for subsidized plans.

What is the income limit for Utah Medicaid in Garfield County?

Adults in Garfield County, Utah, may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. Pregnant women have a higher threshold, qualifying up to 144% FPL, and children through CHIP up to 200% FPL.

How many health insurance carriers offer marketplace plans in Garfield County?

For the 2026 plan year, two health insurance carriers offer marketplace plans in Garfield County, Utah. These are Select Health and University of Utah Health Plans, serving Rating Area 6.

Does Garfield County have any acute care hospitals?

No, Garfield County does not have any acute care hospitals within its boundaries. Residents needing acute care services typically travel to neighboring counties for treatment.