Imperial Health Plan of Utah Health Insurance in Herriman, UT

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

Imperial Health Plan of Utah is one of 5 carriers offering marketplace plans in Herriman's Rating Area 3 for 2026.
Herriman residents primarily choose between HMO and EPO plans, as PPO plans are not available on-exchange in Utah.
Individuals with household incomes up to 400% FPL may qualify for premium tax credits to reduce monthly premiums on HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, with pregnant women covered up to 144% FPL.

For residents of Herriman, Utah, seeking health insurance, Imperial Health Plan of Utah offers a range of marketplace plans designed to meet diverse needs. As one of the five confirmed carriers serving Rating Area 3 for the 2026 plan year, Imperial Health Plan of Utah provides coverage options through HealthCare.gov, the federal marketplace. Understanding the specific plan types available and how subsidies can reduce your costs is key to making an informed decision. This guide will walk you through Imperial Health Plan of Utah's offerings in Herriman, alongside other local options, and explain how to navigate enrollment to secure the best coverage for your situation.

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What Imperial Health Plan of Utah Options Are Available in Herriman?

In Herriman, Imperial Health Plan of Utah primarily offers health maintenance organization (HMO) and exclusive provider organization (EPO) plans on the HealthCare.gov marketplace. Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your marketplace choice will focus on the network structures offered by HMO and EPO plans. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPO plans offer more flexibility in choosing specialists without a referral, as long as they are within the plan's network. Herriman, located in Salt Lake County, is part of Utah Rating Area 3, which also covers Davis, Summit, Tooele, and Wasatch counties. This multi-county rating area ensures consistent plan availability and pricing across these regions. Imperial Health Plan of Utah is a significant provider in this area, offering various metal tiers (Bronze, Silver, Gold) to cater to different budget and coverage preferences.

Understanding Plan Tiers and Costs

Health insurance plans on HealthCare.gov are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier indicates the average percentage of healthcare costs the plan is expected to cover:

Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums.
Silver plans: Cover approximately 70% of costs, with you paying 30%. They have moderate premiums and deductibles. Silver plans are the only tier eligible for cost-sharing reductions (CSRs), which further lower your out-of-pocket costs if your income is below 250% of the Federal Poverty Level.
Gold plans: Cover approximately 80% of costs, with you paying 20%. They have higher monthly premiums but lower deductibles and out-of-pocket maximums, making them suitable for those who expect to use medical services frequently.

Imperial Health Plan of Utah offers options across these tiers, allowing you to select a plan that balances your premium costs with your anticipated healthcare needs.

Health Insurance Carriers in Herriman

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Herriman and the surrounding Salt Lake, Davis, Summit, Tooele, and Wasatch counties. This provides Herriman residents with a competitive selection of plans through HealthCare.gov. The confirmed carriers for this rating area include:

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

When evaluating plans from Imperial Health Plan of Utah or any other carrier, it is important to consider their specific network of doctors, specialists, and hospitals. Salt Lake County is home to 10 hospitals, including major facilities such as University of Utah Hospital and Clinics in Salt Lake City, Intermountain Medical Center in Murray, and Holy Cross Hospital-jordan Valley in West Jordan. While Imperial Health Plan of Utah plans will have a defined network, ensuring your preferred providers and facilities are included is a critical step in plan selection. Herriman, with a population of 59,346 per U.S. Census Bureau ACS 2024 5-year estimates, enjoys a low uninsured rate of 2.8%, significantly below the county average for Salt Lake County (9.2%). The city's median income of $122,650 also exceeds the county's $97,494. This local context, combined with the availability of multiple carriers, contributes to a robust health insurance market for residents.

Navigating Enrollment and Financial Assistance in Herriman

Understanding your eligibility for financial assistance and the enrollment process is crucial for securing affordable health insurance. Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold for Medicaid is 144% FPL, and children can qualify for CHIP up to 200% FPL. If you fall within these income ranges, applying for Medicaid or CHIP through medicaid.utah.gov may be your most cost-effective option. For those with incomes above Medicaid thresholds but below 400% FPL, premium tax credits are available through HealthCare.gov. These subsidies can significantly reduce your monthly premium, making plans from carriers like Imperial Health Plan of Utah more affordable. Additionally, individuals earning up to 250% FPL may qualify for cost-sharing reductions (CSRs) when enrolling in a Silver plan, which lower your deductibles, copayments, and out-of-pocket maximums.

When to Enroll

The primary enrollment period for ACA plans is during the annual Open Enrollment Period, which typically runs from November 1 to January 15. However, if you experience a Qualifying Life Event (QLE) outside of this window, you may be eligible for a Special Enrollment Period (SEP). Common QLEs include:

Losing existing health coverage
Getting married or divorced
Having a baby or adopting a child
Moving to a new rating area
Changes in income that affect subsidy eligibility

If you believe you qualify for an SEP, it is important to act quickly, as most SEPs have a limited timeframe (usually 60 days) from the date of the qualifying event. A licensed health insurance agent can help you determine your eligibility and guide you through the enrollment process for an Imperial Health Plan of Utah plan or other available options.

Frequently Asked Questions

What plan types does Imperial Health Plan of Utah offer in Herriman?

In Herriman, Imperial Health Plan of Utah typically offers health maintenance organization (HMO) and exclusive provider organization (EPO) plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for Imperial Health Plan of Utah plans in Herriman?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for plans purchased through HealthCare.gov, including those from Imperial Health Plan of Utah. Cost-sharing reductions are also available for those earning up to 250% FPL.

How do I enroll in an Imperial Health Plan of Utah plan in Herriman?

You can enroll in an Imperial Health Plan of Utah plan during the annual Open Enrollment Period through HealthCare.gov, or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed agent can assist you with this process at no cost.

Are there other carriers besides Imperial Health Plan of Utah in Herriman?

Yes, in 2026, Herriman residents in Rating Area 3 have access to plans from five different carriers on HealthCare.gov. In addition to Imperial Health Plan of Utah, these include BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.