Imperial Health Plan Health Insurance in Logan, Utah

In 2026, three carriers — BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and Select Health — offer marketplace plans in Logan's Rating Area 1.
Imperial Health Plan is not listed among the confirmed marketplace carriers for Logan, Utah, in the 2026 plan year.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
Health insurance options in Logan are limited to HMO and EPO plans on HealthCare.gov; PPO plans are not available on-exchange.

Navigating health insurance options in Logan, Utah, requires understanding the specific plans available through HealthCare.gov for Rating Area 1. While this article discusses Imperial Health Plan, it is important to note upfront that confirmed data for the 2026 plan year indicates that Imperial Health Plan is not among the carriers offering plans on the federal marketplace in Logan. Instead, residents can choose from plans offered by BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and Select Health. This guide will help you understand your local choices, eligibility for financial assistance, and how to enroll in coverage that meets your needs in Cache County.

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What Health Insurance Options Are Available in Logan, Utah?

Residents of Logan, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace for individual and family plans. In Utah, marketplace plans are structured as either Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) networks. It is important for Logan residents to note that Preferred Provider Organization (PPO) plans are not available on-exchange in Utah, meaning your marketplace choice will focus on HMOs and EPOs. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing:

Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs, suitable for those who anticipate minimal medical care.
Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable for individuals who qualify for cost-sharing reductions (CSRs), which can significantly lower deductibles, copayments, and maximum out-of-pocket limits.
Gold plans have higher monthly premiums but lower deductibles and copayments, providing more predictable costs for those who expect to use medical services frequently.
Platinum plans have the highest premiums but the lowest out-of-pocket costs, covering a larger percentage of medical expenses.

Many Logan residents qualify for financial assistance, including premium tax credits to lower monthly premiums and, for those with Silver plans, cost-sharing reductions to reduce out-of-pocket expenses.

Understanding Imperial Health Plan Availability in Logan

For the 2026 plan year, Imperial Health Plan is not listed as an approved carrier offering plans on the HealthCare.gov marketplace in Rating Area 1, which encompasses Logan and Rich counties. While Imperial Health Plan may operate in other regions or offer off-marketplace plans, residents seeking health insurance through the federal exchange in Logan will need to consider plans from the confirmed local carriers. It is always recommended to verify specific plan availability for your ZIP code directly on HealthCare.gov, as offerings can change.

Health Insurance Carriers in Logan

In 2026, 3 carriers offer marketplace plans in Rating Area 1, which covers Cache and Rich counties. These are the confirmed carriers providing options for residents in Logan:

BridgeSpan Health Company: Offers a range of plans designed to provide comprehensive coverage within its network.
Regence BlueCross BlueShield of Utah: A well-established insurer providing various plan options to meet different healthcare needs.
Select Health: A local Utah-based health plan offering a variety of coverage choices and access to healthcare providers.

When choosing a plan, it is essential to compare not only premiums but also deductibles, copayments, and the specific network of doctors and hospitals. Logan, Utah, with a population of 54,907 and a median age of 23.8 years, is part of Cache County, which has 2 acute care hospitals: Intermountain Health Logan Regional Hospital (located in Logan) and Cache Valley Hospital (in North Logan). These facilities are crucial considerations for network access.

Utah Medicaid and CHIP Eligibility for Logan Residents

Utah expanded its Medicaid program in 2020 following a ballot initiative, making health coverage accessible to more residents in Logan. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult with an income below approximately $20,783 per year (based on 2024 FPL figures, subject to change) would be eligible. Specific income thresholds also apply for other vulnerable populations:

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

Unlike states without Medicaid expansion, Logan residents falling within these income ranges will qualify for comprehensive, low-cost or no-cost health coverage. Applications for Utah Medicaid and CHIP can be submitted through medicaid.utah.gov.

Making Your Health Insurance Decision in Logan

Choosing the right health insurance plan in Logan depends on your income, health needs, and preferred medical providers. Consider these steps:

If your income is below 138% FPL: You may qualify for Utah Medicaid. Apply through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are likely eligible for premium tax credits on HealthCare.gov, which can significantly reduce your monthly premiums. If your income is closer to 150-250% FPL, you may also qualify for cost-sharing reductions on Silver plans, offering lower deductibles and copayments.
If your income is above 400% FPL: You will pay the full premium for marketplace plans, but can still benefit from the comprehensive coverage and consumer protections of the Affordable Care Act.

Logan, Utah, part of Rating Area 1, which covers Cache and Rich counties, serves a population of 54,907 with a 9.4% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates. This city's median income is $60,687 and the median age is 23.8 years. Cache County itself has a larger population of 140,046 with a median income of $81,665 and an uninsured rate of 6.9%. Understanding these local demographics can help contextualize the community's healthcare needs. A licensed health insurance producer can provide personalized guidance, helping you compare plans, check network compatibility with local hospitals like Intermountain Health Logan Regional Hospital, and enroll at no additional cost.

Frequently Asked Questions

Is Imperial Health Plan available in Logan, Utah?

Based on confirmed data for the 2026 plan year, Imperial Health Plan is not listed among the carriers offering plans on HealthCare.gov in Rating Area 1, which includes Logan. Shoppers in Logan should check HealthCare.gov directly for the most current and specific plan availability for their ZIP code.

What types of health insurance plans are available in Logan, Utah?

In Logan, Utah, marketplace shoppers on HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Preferred Provider Organization (PPO) plans are not available on-exchange in Utah.

Can I get help paying for health insurance in Logan?

Yes, many residents in Logan qualify for premium tax credits and cost-sharing reductions through HealthCare.gov, depending on their household income. These subsidies can significantly lower monthly premiums and out-of-pocket costs. Individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify.

What is the income limit for Utah Medicaid in Logan?

Utah expanded Medicaid in 2020. Adults in Logan with household 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 up to 200% FPL for CHIP. Applications are processed through medicaid.utah.gov.