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

Imperial Health Plan Health Insurance in North Salt Lake, Utah

Imperial Health Plan is NOT among the 4 confirmed marketplace carriers for North Salt Lake's Rating Area 3 in 2026.
Health insurance plans in North Salt Lake are primarily HMO and EPO network types; PPO plans are not available on-exchange.
North Salt Lake residents may qualify for federal subsidies on HealthCare.gov, with incomes between 100% and 400% FPL.
Utah Medicaid is expanded, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL (CHIP).

Navigating health insurance options in North Salt Lake, Utah, requires understanding both state-specific rules and local carrier availability. For residents seeking coverage through the HealthCare.gov marketplace, it's important to know that while many carriers operate statewide, specific plans and providers are organized by rating areas. As of the 2026 plan year, Imperial Health Plan is not listed among the confirmed health insurance carriers offering plans on the marketplace for Rating Area 3, which includes North Salt Lake. Instead, residents will find plans from a selection of other established carriers. Understanding your options, including plan types like HMOs and EPOs, and potential financial assistance through subsidies or Utah Medicaid, is crucial for securing suitable coverage in Davis County.

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What Health Insurance Plans Are Available in North Salt Lake?

For North Salt Lake residents, health insurance coverage is primarily accessed through HealthCare.gov, the federal marketplace. Utah's marketplace offers two main types of plans: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning all subsidized plans will fall under either the HMO or EPO structure. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. They often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers. EPO plans offer more flexibility than HMOs, as you usually don't need a referral to see a specialist, but you must stay within the plan's network for care to be covered. Going out-of-network generally means paying the full cost yourself, except in emergencies. Understanding these network types is vital for North Salt Lake residents, especially given the healthcare landscape in Davis County, which includes facilities like Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, and Intermountain Health Layton Hospital. Choosing a plan with a network that includes your preferred doctors and hospitals is a key consideration.

Understanding Subsidies and Utah Medicaid Eligibility

Many North Salt Lake residents may be eligible for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available through HealthCare.gov based on your household income and family size.

Premium Tax Credits

Advance Premium Tax Credits (APTCs) can significantly lower your monthly premium. Eligibility for these credits generally extends to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in Rating Area 3.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These subsidies reduce the amount you pay for deductibles, copayments, and coinsurance, effectively making your Silver plan coverage more robust. To receive CSRs, you must enroll in a Silver-tier plan.

Utah Medicaid

Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults in North Salt Lake with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive health coverage with no or very low out-of-pocket costs. Specific Utah Medicaid thresholds:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL. Coverage includes prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Up to 200% FPL

If your income falls within these ranges, you should apply for Utah Medicaid through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in North Salt Lake

For residents of North Salt Lake, Utah, health insurance options on HealthCare.gov are determined by Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. As of the 2026 plan year, Imperial Health Plan is not listed as an available carrier for this rating area. Instead, North Salt Lake residents can choose from four confirmed carriers that offer marketplace plans:

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

When selecting a plan, it's advisable to compare offerings from each of these carriers. Consider factors such as network size, specific doctors and hospitals included, prescription drug coverage, and overall costs (premiums, deductibles, copayments). Each carrier will offer a range of plans across different metal tiers (Bronze, Silver, Gold), each with varying levels of coverage and out-of-pocket expenses. North Salt Lake, with a population of 23,474 and an uninsured rate of 8.9% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Davis County. Davis County, with a population of 370,924, is served by four acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. It's important to verify that your chosen plan includes access to the local healthcare facilities and providers you prefer.

Making Your Health Insurance Decision in North Salt Lake

Choosing the right health insurance plan in North Salt Lake depends heavily on your individual health needs, financial situation, and preferred access to care. Here’s a guide to help you make an informed decision:

Assess Your Income: If your income is below 138% FPL, apply for Utah Medicaid. If it's between 100% and 400% FPL, you'll likely qualify for premium tax credits on HealthCare.gov. If it's between 100% and 250% FPL, strongly consider a Silver plan for Cost-Sharing Reductions.
Consider Your Health Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold plan (higher premiums, lower out-of-pocket costs) or an Enhanced Silver plan (with CSRs) might be more cost-effective. If you're generally healthy and want lower monthly payments, a Bronze or Catastrophic plan might be suitable, but be aware of higher deductibles.
Review Carrier Networks: Since PPO plans are not available on-exchange, carefully examine the HMO and EPO networks of the four confirmed carriers (BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans). Ensure your preferred doctors, specialists, and hospitals in Davis County are in-network.
Compare Plan Types: Understand the differences between HMO and EPO plans. HMOs typically require a PCP and referrals, while EPOs offer more direct access to specialists within their network.

A licensed health insurance producer can provide personalized guidance, help you compare plans from various carriers, and assist with the enrollment process at no cost to you. They can clarify subsidy eligibility and ensure you choose a plan that aligns with your specific needs in North Salt Lake.

Frequently Asked Questions

Is Imperial Health Plan available on the HealthCare.gov marketplace in North Salt Lake, Utah?

As of the 2026 plan year, Imperial Health Plan is not listed among the confirmed carriers offering marketplace health insurance plans in Rating Area 3, which includes North Salt Lake. Residents can find plans from other confirmed carriers like BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

What types of health insurance plans are available in North Salt Lake, Utah?

For marketplace plans in North Salt Lake, Utah, residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah, meaning all subsidized plans will be either HMO or EPO.

Can I get help paying for health insurance in North Salt Lake?

Yes, individuals and families in North Salt Lake with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for premium tax credits through HealthCare.gov. These subsidies can significantly reduce your monthly health insurance costs. Those below 138% FPL may qualify for Utah Medicaid.

What is Utah Medicaid, and who qualifies in North Salt Lake?

Utah expanded Medicaid in 2020. Adults in North Salt Lake with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive health coverage with little to no cost. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL for CHIP.