Imperial Health Plan of Utah Health Insurance in Salt Lake County, UT

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

Imperial Health Plan of Utah is one of 5 carriers offering marketplace plans in Salt Lake County's Rating Area 3 for 2026.
Utah's marketplace, HealthCare.gov, offers HMO and EPO plans; PPO plans are not available on-exchange.
Adults in Salt Lake County with incomes up to 138% FPL may qualify for Utah Medicaid, which expanded in 2020.
The median income in Salt Lake County is $97,494, and the uninsured rate is 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Salt Lake County, Utah, especially when focusing on a specific carrier like Imperial Health Plan of Utah, requires understanding local market dynamics and state-specific rules. For 2026, Imperial Health Plan of Utah is a confirmed carrier on HealthCare.gov for residents of Salt Lake County. This means you can explore their plans alongside other local options, potentially benefiting from federal subsidies to lower your monthly premiums and out-of-pocket costs. Whether you are seeking individual, family, or small business coverage, understanding the available plan types and eligibility for financial assistance is key to making an informed decision in Utah's expanded Medicaid environment.

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What Health Plans Does Imperial Health Plan of Utah Offer in Salt Lake County?

In Salt Lake County, Imperial Health Plan of Utah offers health insurance plans through HealthCare.gov, the federal marketplace for Utah. As with all marketplace plans in Utah, Imperial Health Plan of Utah provides coverage primarily through HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your choice for subsidy-eligible coverage will be between HMO and EPO options. HMO plans generally require you to choose a primary care provider (PCP) within their network and get referrals from your PCP to see specialists. EPO plans offer more flexibility than HMOs by not requiring a PCP or referrals for specialists, but they typically do not cover out-of-network care except in emergencies. When considering Imperial Health Plan of Utah, you will evaluate their specific network of doctors, hospitals, and specialists within Salt Lake County to ensure it meets your healthcare needs.

Understanding ACA Plan Tiers and Subsidies in Salt Lake County

The Affordable Care Act (ACA) marketplace categorizes plans into metallic tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share the costs of care.

Bronze Plans: These plans have the lowest monthly premiums but the highest out-of-pocket costs, covering about 60% of medical expenses on average. They are suitable for individuals who expect to use healthcare services infrequently and want protection against catastrophic costs.
Silver Plans: Silver plans cover about 70% of medical expenses. They are a popular choice because they are the only plans eligible for Cost-Sharing Reductions (CSRs). If your income is between 100% and 250% of the Federal Poverty Level (FPL), CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a high-value option.
Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans cover about 80% of medical expenses. They are ideal if you expect to use a fair amount of medical care and prefer lower costs each time you receive services.
Platinum Plans: These plans have the highest monthly premiums but cover about 90% of medical expenses, meaning you pay very little out-of-pocket when you receive care. Platinum plans are best for those with extensive healthcare needs.

For 2026, federal subsidies, known as Premium Tax Credits, are available to eligible Salt Lake County residents with household incomes between 100% and 400% of the Federal Poverty Level (FPL) to reduce monthly premium costs. If your income falls within these guidelines, you can significantly reduce the cost of an Imperial Health Plan of Utah plan.

Utah Medicaid and CHIP Eligibility in Salt Lake County

Utah expanded its Medicaid program in 2020 through a ballot initiative, making comprehensive health coverage accessible to more residents. In Salt Lake County, adults with household 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 means eligible lower-income adults can receive full Medicaid benefits without falling into a coverage gap. For pregnant women in Salt Lake County, Utah Medicaid covers those with incomes up to 144% FPL, providing essential prenatal care, labor and delivery, and postpartum support. Families with uninsured children may also find assistance through the Children's Health Insurance Program (CHIP), which covers children in households with incomes up to 200% FPL. Enrollment for Utah Medicaid and CHIP can be done through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Salt Lake County

For 2026, Salt Lake County is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In this rating area, 5 carriers offer marketplace plans through HealthCare.gov. Imperial Health Plan of Utah is one of the available options for residents seeking coverage. The full list of confirmed carriers for Rating Area 3 includes:

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

When selecting a plan, it's important to compare not only the premiums but also the network of providers, prescription drug formularies, and specific benefits offered by each carrier. Salt Lake County's 1,196,523 residents have access to 10 acute care hospitals, including Holy Cross Hospital - Salt Lake, Lds Hospital, and University of Utah Hospital and Clinics in Salt Lake City, and Intermountain Medical Center in Murray. These facilities are key considerations when evaluating a carrier's network in the county, which has an uninsured rate of 9.2% per U.S. Census Bureau ACS 2024 5-year estimates.

Making Your Health Insurance Decision in Salt Lake County

Choosing the right health insurance plan for your needs in Salt Lake County involves several considerations, including your income, health status, and preferred doctors.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This offers comprehensive, low-cost coverage. Apply directly through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for federal premium tax credits to reduce your monthly premiums on HealthCare.gov. Consider Silver plans if your income is below 250% FPL to benefit from additional Cost-Sharing Reductions.
If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov, but you will pay the full premium. Evaluate Bronze, Silver, and Gold plans based on your expected healthcare usage and preferred balance of premium vs. out-of-pocket costs.

A licensed health insurance producer specializing in the Utah marketplace can provide personalized guidance, help you compare plans from Imperial Health Plan of Utah and other carriers, and assist with the enrollment process at no additional cost to you.

Frequently Asked Questions

What types of plans does Imperial Health Plan of Utah offer in Salt Lake County?

In Salt Lake County, Imperial Health Plan of Utah offers health insurance plans with either HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for Imperial Health Plan of Utah coverage in Salt Lake County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to reduce your monthly costs for an Imperial Health Plan of Utah plan purchased through HealthCare.gov. Cost-sharing reductions are also available for those earning up to 250% FPL, reducing deductibles and copays on Silver plans.

Does Utah Medicaid cover adults in Salt Lake County?

Yes, Utah expanded Medicaid in 2020. Adults in Salt Lake County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive, low-cost health coverage. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL for CHIP.

How do I enroll in an Imperial Health Plan of Utah plan in Salt Lake County?

You can enroll in an Imperial Health Plan of Utah plan during the annual Open Enrollment Period through HealthCare.gov. If you experience a qualifying life event, such as losing other coverage, moving, or having a baby, you may be eligible for a Special Enrollment Period. A licensed health insurance producer can help you navigate your options and complete the enrollment process at no cost.