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

Imperial Health Plan Health Insurance in Summit County, Utah

Summit County is part of Utah Rating Area 3, where four carriers offer marketplace plans for 2026.
Utah uses the federal marketplace, HealthCare.gov, for plan enrollment and subsidy eligibility.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.
Marketplace plans in Summit County are limited to HMO and EPO network structures; PPO plans are not available on-exchange.

Navigating health insurance options in Summit County, Utah, can seem complex, especially when looking for specific carriers like Imperial Health Plan. For 2026, residents of Summit County seeking coverage through the Health Insurance Marketplace (HealthCare.gov) will find a selection of plans from other confirmed carriers. Understanding the local market, including available plan types, subsidy eligibility, and Medicaid options, is key to making an informed decision about your health coverage. Our goal is to provide clear, actionable information to help you find the right health insurance plan for your needs in Summit County.

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What Health Insurance Plans Are Available in Summit County for 2026?

For the 2026 plan year, residents of Summit County, Utah, have access to a variety of health insurance plans through HealthCare.gov. It is important to note that Imperial Health Plan is not among the carriers confirmed to offer marketplace plans in Rating Area 3 for 2026. Instead, consumers in this area can choose from plans offered by other established health insurance providers. Utah's marketplace offers two primary plan types: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your choice for subsidized coverage will be between HMO and EPO network structures. HMO plans generally require you to choose a primary care provider (PCP) within the network and get referrals for specialist visits. EPO plans offer more flexibility than HMOs, allowing you to see specialists without referrals, but typically limit coverage to providers within their network, except in emergencies. Both plan types are designed to meet the Affordable Care Act (ACA) requirements, covering essential health benefits such as prescription drugs, emergency services, maternity care, and mental health services.

Understanding HealthCare.gov and ACA Subsidies in Utah

Utah utilizes the federal HealthCare.gov platform as its official health insurance marketplace. This is where individuals and families can compare plans, enroll in coverage, and apply for financial assistance to help reduce their monthly premiums and out-of-pocket costs. Subsidies, known as Premium Tax Credits, are available to eligible individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). These tax credits can significantly lower the cost of health insurance, making coverage more affordable. In addition to Premium Tax Credits, individuals with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions (CSRs). CSRs reduce the amount you have to pay for deductibles, copayments, and coinsurance, effectively increasing the value of your plan. To receive CSRs, you must enroll in a Silver-tier plan. When applying through HealthCare.gov, the system will automatically determine your eligibility for both Premium Tax Credits and Cost-Sharing Reductions based on your household income and size.

Utah Medicaid and CHIP Eligibility in Summit County

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. This expansion, enacted via Proposition 3, means that adults in Summit County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to affordable care for low-income individuals. Beyond general adult coverage, Utah Medicaid also provides specific programs for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household 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.

Applications for Utah Medicaid and CHIP can be submitted through the Utah Medicaid portal at medicaid.utah.gov. These programs provide vital health services with little to no out-of-pocket costs for eligible individuals, ensuring access to necessary medical care.

Health Insurance Carriers in Summit County

Summit County is part of Utah Rating Area 3, which also covers Davis, Salt Lake, Tooele, and Wasatch counties. In 2026, four carriers offer marketplace plans in Rating Area 3. While Imperial Health Plan is not available in this rating area, residents can choose from a robust selection of plans offered by these confirmed providers:

BridgeSpan Health Company: Offers a range of plans designed to meet diverse needs.
Regence BlueCross BlueShield of Utah: A well-established insurer providing various health coverage options.
Select Health: A local favorite known for its strong provider networks within Utah.
University of Utah Health Plans: Provides access to the University of Utah Health system and its affiliated providers.

When comparing plans, consider each carrier's specific network of doctors and hospitals, drug formularies, and customer service reputation. An agent can help you compare these options to find a plan that best fits your healthcare preferences and budget.

Summit County, with a population of 42,970 and a median income of $138,114, is part of Utah Rating Area 3, which encompasses five counties. The county's uninsured rate stands at 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates. The primary acute care facility serving the area is Park City Hospital in Park City, providing essential medical services to residents who also benefit from the broader network of providers available through the four carriers in Rating Area 3.

Making Your Health Insurance Decision in Summit County

Choosing the right health insurance plan involves evaluating your specific healthcare needs, financial situation, and preferred providers. Here’s a guide to help you make an informed decision:

Assess Your Income: Your household income determines your eligibility for Premium Tax Credits and Cost-Sharing Reductions through HealthCare.gov, or for Utah Medicaid if your income is below 138% FPL.
Consider Plan Types: Decide whether an HMO (requiring a PCP and referrals) or an EPO (offering more flexibility but limiting coverage to in-network providers) best suits your preferences for accessing care. Remember, PPO plans are not available on-exchange in Utah.
Review Carrier Networks: Check if your preferred doctors, specialists, and the local Park City Hospital are included in the network of any plan you are considering.
Compare Metal Tiers: Bronze plans have lower premiums but higher out-of-pocket costs. Silver plans offer a balance and are the only tier eligible for Cost-Sharing Reductions. Gold plans have higher premiums but lower out-of-pocket costs.
Utilize Free Assistance: A licensed health insurance agent can provide personalized guidance, help you compare plans, and assist with the enrollment process at no cost to you.

Frequently Asked Questions

What types of health plans are available in Summit County, Utah?

In Summit County, Utah, marketplace shoppers can choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. PPO plans are not available on-exchange in Utah.

Does Utah have expanded Medicaid?

Yes, 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 with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

How many health insurance carriers offer plans in Summit County for 2026?

For the 2026 plan year, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Summit County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Can I get a PPO plan on HealthCare.gov in Summit County?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Summit County will choose between HMO and EPO plans for their subsidized coverage options.