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

Imperial Health Plan Health Insurance in Washington County, Utah

Imperial Health Plan is not a confirmed carrier offering marketplace plans in Washington County, Utah, for the 2026 plan year.
Washington County is part of Utah Rating Area 5, where 3 carriers offer plans through HealthCare.gov.
Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans; PPO plans are not available on-exchange.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level and pregnant women up to 144% FPL.

Navigating health insurance options in Washington County, Utah, requires understanding which carriers and plan types are available through the official marketplace, HealthCare.gov. While you may be researching Imperial Health Plan, it is important to note that for the 2026 plan year, Imperial Health Plan is not listed among the confirmed carriers offering marketplace plans in Washington County. Residents of this area will find health insurance options primarily from Molina Healthcare, Select Health, and University of Utah Health Plans. These plans include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures, as Preferred Provider Organization (PPO) plans are not offered on-exchange in Utah. Financial assistance, such as premium tax credits and cost-sharing reductions, is available to eligible individuals and families to make coverage more affordable.

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What Health Insurance Options Are Available in Washington County, Utah?

For 2026, residents of Washington County, Utah, access health insurance plans primarily through HealthCare.gov, the federal marketplace. Washington County is situated within Utah Rating Area 5, which also covers Iron County. This multi-county rating area determines the specific plans and pricing available to local residents. The marketplace in Utah focuses on two main types of health plans:

Health Maintenance Organization (HMO) plans: These plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. HMOs often have lower monthly premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO) plans: EPOs offer a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. However, they usually won't cover care outside their network, except in emergencies.

It is important to note that Preferred Provider Organization (PPO) plans are not available on-exchange in Utah, meaning marketplace shoppers will select from HMO and EPO options. Washington County, with a population of 196,431 and an uninsured rate of 11.1% per U.S. Census Bureau ACS 2024 5-year estimates, relies on these marketplace plans, alongside Utah Medicaid, to ensure access to care. The county is served by St. George Regional Hospital in St George, providing acute care services for its residents.

Health Insurance Carriers in Washington County

For the 2026 plan year, 3 carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties. These are the confirmed options for residents purchasing coverage through HealthCare.gov:

Molina Healthcare: Molina Healthcare offers a range of plans designed to provide comprehensive coverage, focusing on integrated care services.
Select Health: Select Health, a Utah-based insurer, provides various health plans with a strong local provider network.
University of Utah Health Plans: University of Utah Health Plans connects members with the extensive network of providers and facilities associated with the University of Utah Health system.

As previously mentioned, Imperial Health Plan is not a confirmed marketplace carrier in Washington County for 2026. If you are specifically looking for coverage from Imperial Health Plan, you would need to check their direct offerings outside of the HealthCare.gov marketplace, though these plans would not be eligible for federal subsidies. Always verify carrier participation and plan availability for your specific ZIP code directly on HealthCare.gov.

Understanding Financial Assistance and Utah Medicaid

Many Washington County residents can significantly reduce their health insurance costs through financial assistance programs available via HealthCare.gov. These subsidies come in two main forms:

Premium Tax Credits (APTCs): These credits lower your monthly health insurance premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL), with individuals and families earning up to 400% FPL potentially qualifying.
Cost-Sharing Reductions (CSRs): Available to those with incomes between 150% and 250% FPL, CSRs reduce out-of-pocket expenses like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3). This means adults with incomes up to 138% FPL are eligible for Utah Medicaid. For example, a single adult earning up to approximately $20,120 annually (based on 2024 FPL figures) may qualify. This expanded eligibility ensures that low-income residents have access to comprehensive health coverage. Additionally, Utah Medicaid covers pregnant women with incomes up to 144% FPL and offers the Children's Health Insurance Program (CHIP) for children in households up to 200% FPL. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Choosing the Right Plan for You in Washington County

Selecting the best health insurance plan depends on your individual health needs, financial situation, and preferred access to care. Consider these factors when making your decision:

Budget: Evaluate your monthly premium tolerance and potential out-of-pocket costs (deductibles, copays, coinsurance). Bronze plans have lower premiums but higher out-of-pocket maximums, while Gold plans have higher premiums but lower out-of-pocket costs. Silver plans offer a balance and are the only plans eligible for Cost-Sharing Reductions.
Network: Given that only HMO and EPO plans are available on-exchange, understand the network restrictions. Check if your preferred doctors, specialists, and St. George Regional Hospital are included in the plan's network.
Health Needs: If you anticipate frequent doctor visits or require specific medications, a plan with lower deductibles and copays might be more cost-effective in the long run, even with a higher premium.

For Washington County residents, the median income is $80,632, per U.S. Census Bureau ACS 2024 5-year estimates. This income level, combined with a 9.8% poverty rate, indicates a diverse range of financial situations that may benefit from the various plan tiers and subsidies available.

Frequently Asked Questions

Is Imperial Health Plan available in Washington County, Utah?

As of the 2026 plan year, Imperial Health Plan is not listed among the confirmed carriers offering marketplace health insurance plans in Rating Area 5, which includes Washington County, Utah. Residents seeking coverage through HealthCare.gov should review plans from Molina Healthcare, Select Health, and University of Utah Health Plans.

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

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

Can I get financial help to pay for health insurance in Washington County?

Yes, many Washington County residents qualify for subsidies to lower their monthly premiums and out-of-pocket costs. These subsidies are available through HealthCare.gov based on household income relative to the Federal Poverty Level. Individuals and families with incomes up to 400% FPL may qualify for premium tax credits, and those between 150% and 250% FPL may also qualify for cost-sharing reductions.

Does Utah have expanded Medicaid?

Yes, Utah expanded its Medicaid program in 2020. This means adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. Pregnant women with incomes up to 144% FPL and children up to 200% FPL also qualify for specific programs.