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

Imperial Health Plan Health Insurance in Kane County, Utah

Imperial Health Plan is NOT available in Kane County, Utah; residents can choose from 2 confirmed carriers on HealthCare.gov.
Kane County is part of Utah Rating Area 6, which includes 15 other counties and is served by Select Health and University of Utah Health Plans.
Utah expanded Medicaid in 2020, providing coverage for adults up to 138% of the Federal Poverty Level (FPL).
Kane County's uninsured rate is 5.3%, significantly below the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Kane County, Utah, involves understanding what plans are locally available and how federal and state programs can reduce your costs. While you may be looking for Imperial Health Plan, it is important to note that this carrier does not currently offer marketplace plans in Kane County. Instead, residents purchasing coverage through HealthCare.gov will find options from two other carriers. This guide will help you understand the specific health insurance landscape in Kane County, including available plan types, local carriers, and eligibility for financial assistance like subsidies and Utah Medicaid.

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What Health Insurance Plans Are Available in Kane County, Utah?

For residents of Kane County seeking health insurance through the federal marketplace at HealthCare.gov, the primary options are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your choice of network structure will be between an HMO, which typically requires you to choose a primary care provider and get referrals for specialists, and an EPO, which offers more flexibility to see specialists without referrals, but generally limits coverage to in-network providers. All plans available on HealthCare.gov are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. They cover 60% of costs, leaving you responsible for 40%. Best for those who expect minimal medical care and want protection from catastrophic events.
Silver plans: A good balance between premiums and out-of-pocket costs, covering 70% of costs (you pay 30%). Crucially, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums if your income qualifies.
Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering 80% of costs (you pay 20%). Suitable for those who anticipate needing more medical care.

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 Subsidies and Utah Medicaid in Kane County

Financial assistance is a key factor for many Kane County residents when choosing a health plan. The Affordable Care Act (ACA) offers two main forms of assistance: Premium Tax Credits and Cost-Sharing Reductions.

Kane County, part of Utah Rating Area 6, is one of the state's more rural counties, with a population of 8,170 and a median income of $77,092, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 5.3%, which is lower than the national average. Residents needing acute care will typically travel to neighboring counties, as Kane County has no acute care hospitals within its boundaries.

Premium Tax Credits (Subsidies)

Premium Tax Credits are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits can be used to lower your monthly premium for any marketplace plan. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

Cost-Sharing Reductions are only available with Silver plans and are designed to reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% of the FPL. Pairing a Silver plan with CSRs can significantly reduce your financial burden when you receive medical care.

Utah Medicaid and CHIP

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. Adults in Kane County with household incomes up to 138% of the FPL may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for low-income adults. For specific populations:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for the Children's Health Insurance Program (CHIP).

Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Kane County

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. If you are seeking Imperial Health Plan coverage, please note that it is not available in this rating area. The confirmed local carriers for Kane County are:

Select Health
University of Utah Health Plans

When selecting a plan, it's important to compare offerings from both Select Health and University of Utah Health Plans, considering their network of doctors and hospitals, specific plan benefits, and costs. You can compare these plans and apply for financial assistance directly on HealthCare.gov.

Making Your Health Insurance Decision in Kane County

Choosing the right health insurance plan depends on your personal circumstances, health needs, and financial situation. Here's a guide to help you make an informed decision:

Assess Your Income: Determine if your household income qualifies you for Premium Tax Credits or Cost-Sharing Reductions. This is the first step to understanding your true costs.
Consider Medicaid: If your income falls below 138% FPL (or 144% FPL for pregnant women, 200% FPL for children), explore Utah Medicaid as it offers comprehensive, low-cost coverage.
Evaluate Plan Types: Decide between an HMO or EPO plan based on your preference for primary care physician referrals and network flexibility. Remember, PPO plans are not available on-exchange in Utah.
Compare Metal Tiers: Weigh the trade-offs between lower premiums/higher out-of-pocket costs (Bronze) and higher premiums/lower out-of-pocket costs (Gold). If you qualify for CSRs, a Silver plan can offer excellent value.
Review Carrier Networks: Check if your preferred doctors, specialists, or any necessary out-of-county hospitals are in-network with plans offered by Select Health or University of Utah Health Plans.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and University of Utah Health Plans, determine your eligibility for financial assistance, and enroll in a plan that meets your needs, all at no cost to you.

Frequently Asked Questions

Can I get Imperial Health Plan coverage in Kane County, Utah?

No, Imperial Health Plan is not among the carriers currently offering marketplace health insurance plans in Kane County, Utah. Residents seeking coverage through HealthCare.gov for Rating Area 6 will find plans from Select Health and University of Utah Health Plans.

What types of health insurance plans are available on HealthCare.gov in Kane County?

In Kane County, Utah, marketplace plans available through HealthCare.gov are structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. PPO plans are not offered on-exchange in Utah, meaning your choice is between HMO and EPO plan types.

What are the income limits for Utah Medicaid in Kane County?

Utah expanded Medicaid in 2020, making it available to adults with household incomes up to 138% of the Federal Poverty Level (FPL). For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL. You can apply through the Utah Medicaid portal.

Are there any hospitals in Kane County?

Kane County does not have any acute care hospitals within its boundaries. Residents needing hospital services typically travel to neighboring counties for acute medical care.

What is Utah Rating Area 6?

Utah Rating Area 6 is a multi-county region that includes Kane County along with Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. Health insurance plans and rates are consistent across all counties within this rating area.