Health Insurance Plans in Wasatch County, Utah

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

Wasatch County residents access health insurance through HealthCare.gov, the federal marketplace.
In 2026, 2 carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Rating Area 3.
Utah Medicaid covers adults with incomes up to 138% of the Federal Poverty Level (FPL), expanding access to care.
PPO health plans are not available on-exchange in Utah; marketplace shoppers choose between HMO and EPO plans.

Navigating health insurance options in Wasatch County, Utah, involves understanding the plans available through HealthCare.gov, Utah's official marketplace. Residents can find various plans designed to meet different health needs and budgets, with potential financial assistance to make coverage more affordable. Utah expanded its Medicaid program in 2020, significantly broadening eligibility for low-income individuals and families. For those who do not qualify for Medicaid, premium tax credits can substantially reduce the cost of marketplace plans. It is important to note that while the article slug references Imperial Health Plan, confirmed local carrier data for Rating Area 3 (which includes Wasatch County) shows that Select Health and University of Utah Health Plans are the carriers offering plans on the marketplace in 2026. This article will focus on the confirmed options for Wasatch County residents.

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What Health Plans Are Available in Wasatch County?

In Wasatch County, health insurance plans are primarily accessed through HealthCare.gov, the federal marketplace for Utah. The marketplace offers a range of options categorized by metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs when you receive care. For example, Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal medical needs or want protection against catastrophic costs. Gold and Platinum plans, conversely, have higher premiums but lower out-of-pocket costs, appealing to individuals who expect to use medical services more frequently. The available plan types in Utah are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not offered on-exchange in Utah. HMO plans generally require you to choose a primary care provider (PCP) within the plan's network and get referrals for 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. Understanding these network structures is key to choosing a plan that fits your healthcare preferences and budget. Wasatch County, part of Utah Rating Area 3, also covers Davis, Salt Lake, Summit, and Tooele counties. This multi-county rating area dictates the pool of plans and carriers available to residents. Per U.S. Census Bureau ACS 2024 5-year estimates, Wasatch County has a population of 36,642, a median income of $117,608, and an uninsured rate of 7.5%. The county has no acute care hospitals within its boundaries, meaning residents typically travel to neighboring counties for acute medical services.

Who Qualifies for Financial Assistance in Wasatch County?

Many Wasatch County residents can receive financial assistance to lower the cost of their health insurance. This assistance comes primarily in two forms: premium tax credits (subsidies) and cost-sharing reductions.

Premium Tax Credits (Subsidies)

Premium tax credits are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL) who purchase plans through HealthCare.gov. These credits directly reduce your monthly premium payment, making coverage more affordable. The amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. For example, a single individual earning $40,000 per year would likely qualify for a significant premium tax credit.

Cost-Sharing Reductions (CSRs)

Cost-sharing reductions help lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. These are available to individuals and families with incomes up to 250% of the FPL who enroll in a Silver-tier plan through HealthCare.gov. If you qualify for CSRs, your Silver plan will offer enhanced benefits, effectively acting like a Gold or Platinum plan at a Silver plan price. This makes Silver plans a particularly good value for eligible individuals.

Utah Medicaid

Utah expanded its Medicaid program in 2020 via a ballot initiative (Proposition 3). This means that adults in Wasatch County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This comprehensive, low-cost health coverage includes doctor visits, hospital stays, prescription drugs, and more. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL may qualify for Utah CHIP. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Wasatch County

In 2026, 2 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. These carriers provide a range of HMO and EPO plans for residents to choose from. The confirmed carriers for Wasatch County's Rating Area 3 are:

Select Health
University of Utah Health Plans

When selecting a plan, it's crucial to consider not only the premium and out-of-pocket costs but also the network of doctors, specialists, and hospitals that each carrier's plan includes. Since Wasatch County has no acute care hospitals, understanding network access in neighboring counties is particularly important for residents.

Making Your Health Insurance Decision in Wasatch County

Choosing the right health insurance plan for your needs in Wasatch County involves evaluating several factors, including your income, health status, and preferred doctors.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through the Utah Medicaid portal to access comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: You are eligible for both premium tax credits and cost-sharing reductions. A Silver plan will offer the best value, combining lower premiums with reduced out-of-pocket costs.
If your income is between 250% and 400% FPL: You are eligible for premium tax credits. Compare Bronze, Silver, and Gold plans to find the best balance of premium cost and coverage for your anticipated healthcare needs. Remember PPO plans are not available on-exchange in Utah.
If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov, but you won't qualify for federal subsidies. Focus on finding a plan with a network that includes your preferred providers and a metal tier that aligns with your expected medical expenses.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in a plan that meets your specific requirements, all at no cost to you.

Frequently Asked Questions

What type of health insurance plans are available in Wasatch County, Utah?

In Wasatch County, residents can access health insurance plans through HealthCare.gov, the federal marketplace. Available plan types include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not offered on-exchange in Utah.

What are the income limits for Utah Medicaid in Wasatch County?

Utah expanded Medicaid in 2020. Adults in Wasatch County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual, this is approximately $20,782 per year in 2026.

Can I get a subsidy to help pay for health insurance in Wasatch County?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to lower your monthly health insurance premiums in Wasatch County. These subsidies are available when you enroll through HealthCare.gov.

Are PPO plans available on the marketplace in Wasatch County?

No, PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. Wasatch County residents looking for marketplace coverage will choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures.