Imperial Health Plan of Utah Health Insurance in Kearns, 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 Utah's Rating Area 3, which includes Kearns, for the 2026 plan year.
Marketplace plans in Utah are exclusively Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types; PPO plans are not available on-exchange.
Residents of Kearns with household incomes up to 400% FPL may qualify for subsidies to reduce their monthly premiums for Imperial Health Plan of Utah coverage.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children through CHIP up to 200% FPL.

Navigating health insurance options in Kearns, Utah, involves understanding the specific plans available through HealthCare.gov. Imperial Health Plan of Utah is a key provider in your area, offering coverage to residents of Kearns and the broader Salt Lake County. For the 2026 plan year, Imperial Health Plan of Utah is among the five confirmed carriers participating in Utah's Rating Area 3. This article will guide you through the types of plans they offer, how subsidies can make coverage more affordable, and how to enroll in a plan that meets your needs.

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What Are Your Imperial Health Plan of Utah Options in Kearns?

In Kearns, Imperial Health Plan of Utah offers health insurance plans through the federal marketplace, HealthCare.gov. It's important to note that for Utah residents, the marketplace choice is between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. Imperial Health Plan of Utah provides various plan tiers (Bronze, Silver, Gold, Platinum) within these network types, each designed to balance monthly premiums with out-of-pocket costs. Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the Imperial Health Plan of Utah network. Your PCP then coordinates all your care and provides referrals to specialists. HMOs often have lower premiums but offer less flexibility in choosing providers. Exclusive Provider Organization (EPO) Plans: EPO plans also use a network of doctors and hospitals, but generally do not require a referral to see a specialist within the network. Like HMOs, they usually do not cover out-of-network care except in emergencies. EPOs can offer a good balance between network choice and cost. When selecting a plan, consider your expected healthcare needs, preferred doctors, and budget. Higher metal tiers (Gold, Platinum) come with higher monthly premiums but lower deductibles and out-of-pocket maximums, which can be beneficial if you anticipate frequent medical care. Bronze plans, conversely, have lower premiums but higher out-of-pocket costs.

How Subsidies Make Imperial Health Plan of Utah Plans More Affordable

Many Kearns residents qualify for financial assistance, known as subsidies, to reduce the cost of their health insurance through HealthCare.gov. These subsidies are available for individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). Premium Tax Credits (PTC): These credits lower your monthly premium payment. The amount of your credit depends on your income, household size, and the cost of the benchmark Silver plan in your area. You can choose to have these credits applied directly to your premium each month, or claim them when you file your taxes. Cost-Sharing Reductions (CSR): If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. These benefits are automatically applied to eligible Silver plans, making them significantly more valuable than standard Silver plans for those who qualify. For example, a single adult in Kearns earning $35,000 annually (approximately 250% FPL) would likely qualify for significant premium tax credits and cost-sharing reductions, making a Silver plan with Imperial Health Plan of Utah much more affordable than the sticker price.

Utah Medicaid and CHIP for Kearns Residents

Utah expanded Medicaid in 2020 through a ballot initiative, making health coverage accessible to more residents. This is a critical difference from states that have not expanded Medicaid. Adult Medicaid: Adults in Kearns with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. Pregnant Women Medicaid: Utah Medicaid covers pregnant women with income up to 144% FPL, providing essential prenatal care, labor and delivery, and postpartum support. Children's Health Insurance Program (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah CHIP, ensuring access to necessary medical services. If your income falls within these thresholds, you should apply for Utah Medicaid through the state's portal at medicaid.utah.gov. It provides robust coverage for those who qualify and is distinct from marketplace subsidies.

Health Insurance Carriers in Kearns

For the 2026 plan year, residents of Kearns, Utah, which is part of Rating Area 3, have a choice of plans from five confirmed carriers on HealthCare.gov. Rating Area 3 covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. The carriers offering marketplace plans in Rating Area 3 are:

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

Each of these carriers offers a range of HMO and EPO plans across different metal tiers. It's advisable to compare the networks, benefits, and costs of plans from each carrier to find the best fit for your healthcare needs and budget.

Understanding Healthcare Facilities in Salt Lake County

Kearns is located in Salt Lake County, which is served by a robust network of healthcare facilities. Salt Lake County has a population of 1,196,523 and an uninsured rate of 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates. The county's 10 acute care hospitals offer a wide range of services, ensuring access to quality medical care for residents. Major systems like Intermountain Health and University of Utah Health Plans have a significant presence. Prominent hospitals in Salt Lake County include:

Holy Cross Hospital - Salt Lake (Salt Lake City)
Lds Hospital (Salt Lake City)
University of Utah Hospital and Clinics (Salt Lake City)
Intermountain Medical Center (Murray)
Intermountain Health Alta View Hospital (Sandy)
St Mark's Hospital (Salt Lake City)
Holy Cross Hospital-jordan Valley (West Jordan)
Intermountain Health Riverton Hospital (Riverton)
Lone Peak Hospital (Draper)
Primary Children's Hospital (Salt Lake City)

When selecting an Imperial Health Plan of Utah plan, it is crucial to verify that your preferred doctors and hospitals, such as Holy Cross Hospital - Salt Lake or Intermountain Medical Center, are included in the plan's network to ensure seamless access to care.

Making the Right Health Plan Decision in Kearns

Choosing a health insurance plan in Kearns requires careful consideration of your income, health needs, and preferred providers. Here’s a general guide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is 100%–250% FPL: You are eligible for both premium tax credits and Cost-Sharing Reductions. Enroll in a Silver plan through HealthCare.gov to maximize your savings on both premiums and out-of-pocket costs.
If your income is 250%–400% FPL: You qualify for premium tax credits. Compare Bronze, Silver, and Gold plans on HealthCare.gov to find a balance between premium cost and expected out-of-pocket expenses.
If your income is above 400% FPL: While you may not qualify for subsidies, you can still purchase a plan through HealthCare.gov or directly from an insurer. Focus on finding a plan with a network that includes your preferred doctors and hospitals, and a deductible that aligns with your financial comfort level.

A licensed health insurance producer can provide free, personalized assistance to help you compare Imperial Health Plan of Utah plans and other options, calculate your subsidies, and complete the enrollment process.

Frequently Asked Questions

What types of plans does Imperial Health Plan of Utah offer in Kearns?

In Utah's Rating Area 3, Imperial Health Plan of Utah offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on the HealthCare.gov marketplace in Utah, so consumers will choose between HMO and EPO network structures.

Can I get a subsidy for Imperial Health Plan of Utah coverage in Kearns?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to reduce your monthly premium for plans purchased through HealthCare.gov. These subsidies can significantly lower the cost of Imperial Health Plan of Utah coverage.

Where can I enroll in an Imperial Health Plan of Utah plan in Kearns?

Enrollment for Imperial Health Plan of Utah plans, along with other marketplace carriers, takes place through HealthCare.gov during the annual Open Enrollment Period. If you experience a qualifying life event, you may be eligible for a Special Enrollment Period. You can also work with a licensed health insurance producer for free assistance.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women are covered up to 144% FPL, and children through CHIP up to 200% FPL.