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

Health Insurance Plans and Carriers in Moab, Utah

In 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Moab's Rating Area 6.
Imperial Health Plan is not among the confirmed carriers offering plans on HealthCare.gov in Moab.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children (CHIP) up to 200% FPL.
PPO plans are not available on-exchange in Utah; marketplace shoppers choose between HMO and EPO network types.
Moab, with a population of 5,312, is in Grand County, which has no acute care hospitals, meaning residents travel for hospital services.

Navigating health insurance options in Moab, Utah, requires understanding your local marketplace choices and eligibility for financial assistance. For 2026, residents of Moab, located in Grand County, will find health plans primarily through HealthCare.gov, the federal marketplace. While the specific carrier "Imperial Health Plan" is not currently confirmed to offer plans in Moab's Rating Area 6, there are other established options available. This guide details the confirmed carriers, plan types, and critical eligibility information for subsidies and Utah Medicaid, ensuring you can make an informed decision for your healthcare coverage.

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What Health Insurance Plans Are Available in Moab, Utah?

Residents of Moab seeking health insurance through HealthCare.gov will primarily choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, Utah does not offer PPO plans on its federal marketplace, meaning your choice for subsidized coverage will focus on these two network types. HMOs typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, offering lower out-of-pocket costs. EPOs provide more flexibility by allowing you to see specialists without a referral, but generally only cover care received from in-network providers. The cost of these plans varies significantly based on the metal tier you select: Bronze, Silver, Gold, or Platinum. Bronze plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who expect minimal healthcare use. Silver plans offer a balance of moderate premiums and cost-sharing, and are the only plans eligible for Cost-Sharing Reductions (CSRs) if your income qualifies. Gold plans have higher premiums but lower deductibles and out-of-pocket costs, ideal for individuals who anticipate more frequent medical care. Platinum plans, while offering the lowest out-of-pocket costs, come with the highest monthly premiums and are less commonly available.

Understanding Subsidies and Utah Medicaid Eligibility in Grand County

Many Moab residents qualify for financial assistance, significantly reducing their monthly premiums or out-of-pocket costs. Premium tax credits are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL), making marketplace plans more affordable. Cost-Sharing Reductions (CSRs) are an additional form of assistance that lowers your deductibles, copayments, and out-of-pocket maximums. These are exclusively available with Silver-tier plans for those with incomes up to 250% FPL. Utah expanded its Medicaid program in 2020 through a ballot initiative, a critical difference from states like Texas. This means adults in Moab and across Utah with household incomes up to 138% FPL may qualify for Utah Medicaid, which provides comprehensive coverage with no premiums or deductibles. For pregnant women, the income threshold is higher, up to 144% FPL, covering prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL can qualify for the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through the state's Medicaid portal at medicaid.utah.gov. Grand County, where Moab is located, has no acute care hospitals within its boundaries (has_acute_care: false), meaning residents often travel to neighboring counties for hospital services. This makes understanding network coverage and travel distances a key consideration when selecting a plan. The county has a population of 9,754 with a median age of 40.8 years, per U.S. Census Bureau ACS 2024 5-year estimates. Moab itself has a population of 5,312 and a median age of 35.8 years, with an uninsured rate of 14.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

Health Insurance Carriers in Moab

For 2026, residents of Moab in Rating Area 6 will find plans offered by two confirmed carriers on HealthCare.gov. It is important to note that "Imperial Health Plan" is not among the carriers listed as offering marketplace plans in this specific rating area. 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:

Select Health: A well-established local health plan offering a range of HMO and EPO options tailored to Utah residents.
University of Utah Health Plans: Provides plans backed by the University of Utah's extensive healthcare system, with a focus on integrated care.

When reviewing plans, always verify the specific network for your chosen carrier to ensure your preferred doctors and any necessary out-of-county facilities are included.

Making Your Health Plan Decision in Moab

Choosing the right health insurance plan in Moab depends on your income, health needs, and preferences for provider networks. Consider these steps:

Assess Your Income: If your household income is below 138% FPL, explore Utah Medicaid at medicaid.utah.gov. If your income is between 100% and 400% FPL, you will likely qualify for premium tax credits on HealthCare.gov.
Evaluate Health Needs: If you anticipate frequent medical care or have chronic conditions, a Gold plan might offer lower out-of-pocket costs despite higher premiums. If you expect minimal healthcare use, a Bronze plan could be more cost-effective.
Understand Plan Types: Since PPO plans are not available on-exchange in Utah, decide if an HMO (requires PCP and referrals) or an EPO (no referrals, but strictly in-network coverage) best suits your preferences.
Check Networks: Given that Grand County has no acute care hospitals, confirming that your chosen plan's network includes accessible facilities in neighboring counties is essential.

A licensed health insurance agent can provide personalized guidance, helping you compare plans, understand subsidies, and enroll in coverage that meets your specific situation. Their assistance is provided at no cost to you.

Frequently Asked Questions

What health insurance carriers offer plans in Moab, Utah?

For 2026, two carriers offer plans on HealthCare.gov in Moab: Select Health and University of Utah Health Plans. Imperial Health Plan is not confirmed to offer plans in Rating Area 6, which includes Moab.

Can I get a PPO plan on the HealthCare.gov marketplace in Utah?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Shoppers in Moab will choose between HMO and EPO network structures for their subsidized plans.

What are the income limits for Utah Medicaid in Moab?

Utah expanded Medicaid in 2020. Adults in Moab with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the limit is 144% FPL, and for children via CHIP, it's 200% FPL.

Does Moab have local hospitals that accept marketplace plans?

Grand County, where Moab is located, does not have any acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties. Both Select Health and University of Utah Health Plans have networks that include facilities in nearby areas.