Health Insurance in Richfield, Utah: Plans from Select Health and University of Utah Health Plans
- In 2026, Richfield residents can choose from plans offered by 2 confirmed carriers on HealthCare.gov: Select Health and University of Utah Health Plans.
- Imperial Health Plan is not listed as an available carrier for Richfield's Rating Area 6 in 2026.
- Utah uses the federal marketplace, HealthCare.gov, for individual and family health insurance enrollment.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- PPO plans are not available on-exchange in Utah; marketplace shoppers choose between HMO and EPO plans.
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Which Health Insurance Carriers Serve Richfield, Utah?
For 2026, Richfield, Utah, falls within Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In this multi-county rating area, 2 carriers offer marketplace plans on HealthCare.gov:- Select Health
- University of Utah Health Plans
Understanding Your Health Insurance Options in Richfield
Richfield, with a population of 8,224 and an uninsured rate of 7.3% per U.S. Census Bureau ACS 2024 5-year estimates, offers various health insurance pathways. The primary route for individual and family plans is through HealthCare.gov, Utah's federal marketplace. This platform allows residents to compare plans and apply for financial assistance, including premium tax credits and cost-sharing reductions, which can significantly lower monthly costs and out-of-pocket expenses. The types of plans available on-exchange in Richfield are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. HMO plans typically require you to choose a primary care physician (PCP) within the network and get referrals for specialists. EPO plans offer more flexibility than HMOs but still require you to stay within the network for covered services, except in emergencies. It is crucial to verify that your preferred doctors and any necessary specialists are part of the network for any plan you consider.Medicaid and CHIP in Utah
Utah expanded Medicaid in 2020, which means adults with incomes up to 138% of the Federal Poverty Level (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 many low-income residents. Pregnant women in Utah may qualify for Medicaid with incomes up to 144% FPL, and coverage includes prenatal care, labor and delivery, and postpartum care. Children in households with incomes up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through medicaid.utah.gov.How to Choose the Right Plan in Richfield
When selecting a health insurance plan in Richfield, consider your healthcare needs and financial situation. Here's a general guide:- Assess Your Budget: Determine how much you can comfortably afford for monthly premiums and potential out-of-pocket costs. Bronze plans have lower premiums but higher deductibles, while Gold plans have higher premiums but lower out-of-pocket maximums.
- Estimate Healthcare Usage: If you anticipate frequent doctor visits or require specific prescriptions, a plan with lower deductibles and out-of-pocket maximums (like Silver or Gold) might save you money in the long run, despite higher premiums. If you are generally healthy and only expect preventive care, a Bronze or Catastrophic plan might be suitable.
- Check Doctor and Hospital Networks: Confirm that your preferred healthcare providers, including any specialists, are in the network of the plans you are considering. Residents of Wayne County, where Richfield is located, have no acute care hospitals within the county boundaries and typically travel to a neighboring county for acute care. This makes checking network coverage for facilities outside the immediate area particularly important.
- Understand Plan Types: Remember that only HMO and EPO plans are available on HealthCare.gov in Utah. Understand the differences in network restrictions and referral requirements.
- Utilize Subsidies: If your income falls between 100% and 400% FPL, you may qualify for premium tax credits that reduce your monthly premiums. Those between 100% and 250% FPL may also qualify for cost-sharing reductions on Silver plans, which lower deductibles and out-of-pocket maximums.
| Metal Tier | Key Characteristic | Best For |
|---|---|---|
| Bronze | Lowest premiums, highest deductibles. Covers 60% of costs after deductible. | Healthy individuals who want protection from catastrophic costs. |
| Silver | Moderate premiums and deductibles. Covers 70% of costs. Eligible for Cost-Sharing Reductions. | Individuals and families who qualify for subsidies and expect moderate healthcare use. |
| Gold | Higher premiums, lower deductibles. Covers 80% of costs. | Individuals who expect significant healthcare use and want lower out-of-pocket costs. |
Frequently Asked Questions
Which health insurance carriers offer plans in Richfield, Utah?
For 2026, residents of Richfield, Utah, and the broader Rating Area 6 can choose from health insurance plans offered by Select Health and University of Utah Health Plans on HealthCare.gov.
Are PPO plans available on the HealthCare.gov marketplace in Richfield, Utah?
No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Richfield. Marketplace shoppers in Utah will find a choice between HMO and EPO network structures.
Do I qualify for Medicaid in Richfield, Utah?
Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL via CHIP.
What is the uninsured rate in Richfield, Utah?
According to U.S. Census Bureau ACS 2024 5-year estimates, Richfield has an uninsured rate of 7.3%, which is higher than the 4.2% rate for its parent Wayne County.