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

Imperial Health Plan Health Insurance in Roy, UT

As of the 2026 plan year, Imperial Health Plan is NOT available on the HealthCare.gov marketplace in Roy, Utah.
Roy residents in Rating Area 2 can choose from 4 confirmed health insurance carriers for 2026 marketplace plans.
Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
Roy's uninsured rate is 5.6%, significantly lower than Weber County's 8.8%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Roy, Utah, for 2026 requires understanding the local marketplace and available plans. While you may be looking for Imperial Health Plan, it is important to note that this carrier is not listed among the confirmed providers offering plans on the HealthCare.gov marketplace in Roy's Rating Area 2 for the upcoming plan year. Instead, residents have access to coverage from four other established carriers. Utah operates a federally facilitated marketplace (FFM) through HealthCare.gov, where individuals and families can explore plans, compare benefits, and apply for subsidies to help reduce monthly premiums and out-of-pocket costs.

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What Health Insurance Plans Are Available in Roy, Utah?

For 2026, residents of Roy, Utah, seeking health insurance through HealthCare.gov will find a selection of plans primarily structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means that when choosing a plan, consumers in Roy will select between plans that typically require a primary care physician referral for specialists (HMOs) or plans that allow direct access to specialists within their network but do not cover out-of-network care (EPOs). These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier offers a different balance between monthly premiums and out-of-pocket costs when you receive care.

Bronze Plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket maximums. They are ideal for individuals who expect to use medical services infrequently and want protection against catastrophic costs.
Silver Plans: Provide a moderate balance of 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 coinsurance if their income is below 250% FPL.
Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, meaning the plan covers a larger share of costs once you meet your deductible. These are suitable for those who anticipate needing more medical care.

All plans available on HealthCare.gov must cover the ten essential health benefits, including prescription drugs, mental health services, maternity care, and preventive services at no additional cost.

Medicaid and CHIP Eligibility in Roy, Utah

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing broader coverage for low-income residents. For individuals and families in Roy, this means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a crucial distinction from states that have not expanded Medicaid, as it ensures that individuals between 100% and 138% FPL have access to comprehensive, low-cost health coverage. Specific income thresholds for other populations include:

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

Residents of Roy can apply for Utah Medicaid or CHIP through the state's dedicated portal at medicaid.utah.gov. Eligibility is based on current household income and family size.

Health Insurance Carriers in Roy

For the 2026 plan year, residents of Roy, Utah, in Rating Area 2, have four confirmed health insurance carriers offering plans on the HealthCare.gov marketplace. This local selection ensures competitive options for individuals and families seeking subsidized coverage. The carriers available in Rating Area 2, which covers Box Elder, Morgan, and Weber counties, are:

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

When comparing plans, consider not only the premiums but also the network of doctors and hospitals. Roy's healthcare needs are primarily served by facilities in Weber County, including Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden. It is important to verify if your preferred doctors and any necessary specialists are in-network with the plan you choose. Roy, located in Weber County, is part of Utah Rating Area 2. This area serves a population of 269,648 across Box Elder, Morgan, and Weber counties, with Roy itself having a population of 38,993 and an uninsured rate of 5.6%, per U.S. Census Bureau ACS 2024 5-year estimates. The presence of major acute care hospitals like Mckay-dee Hospital within the county ensures access to high-level medical services for residents.

Making the Right Choice for Your Health Coverage in Roy

Choosing the right health insurance plan in Roy depends on several factors, including your income, health needs, and preferred doctors. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This program offers comprehensive benefits with very low or no out-of-pocket costs. Apply through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for Advanced Premium Tax Credits (APTCs), which can significantly reduce your monthly premiums on HealthCare.gov plans. Consider a Silver plan, especially if your income is below 250% FPL, as you may also qualify for Cost-Sharing Reductions (CSRs) that lower your deductibles and copayments.
If your income is above 400% FPL: While you won't qualify for premium subsidies, you can still purchase plans on HealthCare.gov. Compare Bronze, Silver, and Gold plans based on the balance of premiums versus anticipated out-of-pocket costs. Higher metal tiers offer more coverage before you meet your deductible.
Consider your network: Ensure that your preferred doctors, specialists, and local hospitals like Mckay-dee Hospital are included in the plan's network, especially with HMO and EPO plans.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, and enroll in the best option for your situation, all at no cost to you.

Frequently Asked Questions

Is Imperial Health Plan available in Roy, Utah?

As of the 2026 plan year, Imperial Health Plan is not listed among the confirmed carriers offering plans on the HealthCare.gov marketplace in Roy, Utah (Rating Area 2). Residents of Roy can choose from four other carriers for their marketplace coverage.

What are the income limits for Utah Medicaid in Roy?

In Utah, adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL. Roy residents can apply through medicaid.utah.gov.

What types of health insurance plans can I buy in Roy?

Roy residents shopping on HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. Off-marketplace options may include other plan types, but without subsidies.

How can I get help choosing a health plan in Roy?

You can get free, personalized assistance from a licensed health insurance producer. They can help you compare plans, understand subsidies, and enroll in coverage that meets your needs and budget, all at no cost to you.