Imperial Health Plan Health Insurance in Wayne County, Utah

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

Imperial Health Plan is NOT available on the HealthCare.gov marketplace in Wayne County, Utah, for the 2026 plan year.
Wayne County residents in Rating Area 6 have 2 confirmed carriers offering marketplace plans: Select Health and University of Utah Health Plans.
Utah's marketplace, HealthCare.gov, offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, but PPOs are not available on-exchange.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).

Navigating health insurance options can be challenging, especially when you are looking for specific carriers. If you are seeking Imperial Health Plan health insurance in Wayne County, Utah, it is important to note that Imperial Health Plan is not among the confirmed carriers offering marketplace plans in this region for the 2026 plan year. Residents of Wayne County, which is part of Utah Rating Area 6, will find plans from other reputable carriers on the federal marketplace, HealthCare.gov. This article will guide you through the available health insurance options in Wayne County, explain how Utah's expanded Medicaid program can help, and outline the steps to secure coverage that fits your needs.

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

For 2026, residents of Wayne County seeking health insurance through the federal marketplace (HealthCare.gov) have a choice of plans from two carriers. These options provide access to essential health benefits, often with financial assistance to make coverage more affordable. Utah's marketplace focuses on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. Unlike some other states, PPO plans are not available on-exchange in Utah. This means your marketplace choice will be between plans that typically require you to choose a primary care provider and get referrals (HMOs) or plans that offer more flexibility within a network without requiring a referral (EPOs). Wayne County, part of Utah Rating Area 6, is one of the state's most rural counties, with a population of 2,584 and an uninsured rate of 4.2% per U.S. Census Bureau ACS 2024 5-year estimates. While the county does not have acute care hospitals within its boundaries, residents needing such services typically travel to neighboring counties. Understanding your plan's network is crucial to ensure access to necessary care, especially in a rural setting.

Health Insurance Carriers in Wayne County

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers provide a range of plan options designed to meet various health needs and budgets:

Select Health: A prominent regional insurer, Select Health offers a variety of health plans, often including HMO and EPO options, with established provider networks across Utah.
University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier provides plans that integrate with a comprehensive network of healthcare providers and facilities.

When reviewing plans, consider factors such as monthly premiums, deductibles, copayments, and the specific network of doctors and hospitals. Even though Wayne County does not have its own acute care hospitals, the plans offered by these carriers will include access to facilities in nearby rating area counties.

Understanding Financial Assistance and Utah Medicaid

Many individuals and families qualify for financial assistance, known as subsidies, to lower their monthly premiums and out-of-pocket costs on HealthCare.gov. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL).

Medicaid Expansion in Utah

Utah expanded its Medicaid program in 2020, a significant change that provides broader access to health coverage. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive coverage through Utah Medicaid. This means if your income falls within this range, you may be eligible for a no-cost or very low-cost health plan. Special thresholds apply for specific populations:

Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, providing extensive prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for coverage through Utah's Children's Health Insurance Program (CHIP).

You can apply for Utah Medicaid or CHIP through Utah's Medicaid portal at medicaid.utah.gov. It is crucial to explore this option if your income is below these thresholds, as Medicaid offers robust benefits with minimal to no cost.

ACA Subsidies for Marketplace Plans

If your income is above the Medicaid threshold but still qualifies for subsidies, you can receive Advanced Premium Tax Credits (APTCs) to reduce your monthly premium. Cost-Sharing Reductions (CSRs) may also be available for those with incomes up to 250% FPL who enroll in Silver-tier plans, lowering deductibles, copayments, and maximum out-of-pocket costs.

How to Choose the Right Health Plan in Wayne County

Selecting the best health plan involves considering your healthcare needs, budget, and preferred providers. Here's a structured approach:

Income Level (as % FPL)	Recommended Action	Key Benefit
Below 138% FPL	Apply for Utah Medicaid	Comprehensive, low-cost coverage, expanded eligibility for adults.
138% - 250% FPL	Enroll in a Silver-tier plan on HealthCare.gov	Eligible for both premium tax credits and Cost-Sharing Reductions (CSRs), significantly lowering out-of-pocket costs.
250% - 400% FPL	Enroll in any metal-tier plan on HealthCare.gov	Eligible for significant premium tax credits, making bronze, silver, or gold plans more affordable.
Above 400% FPL	Explore all metal-tier plans on HealthCare.gov	May not qualify for subsidies but can still access competitive plans and benefit from consumer protections.

When comparing plans from Select Health and University of Utah Health Plans, pay close attention to:

Network: Confirm that preferred doctors, specialists, and any hospitals you might use in neighboring counties are in the plan's network.
Out-of-pocket Costs: Compare deductibles, copayments, coinsurance, and the maximum out-of-pocket limit.
Prescription Drug Coverage: Check the plan's formulary to ensure your medications are covered at an affordable tier.
Tier (Bronze, Silver, Gold): Bronze plans have lower premiums but higher out-of-pocket costs; Gold plans have higher premiums but lower out-of-pocket costs. Silver plans are ideal for those eligible for CSRs.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage at no additional cost to you.

Frequently Asked Questions

Is Imperial Health Plan available in Wayne County, Utah?

No, Imperial Health Plan is not among the confirmed carriers offering marketplace health insurance plans in Wayne County, Utah's Rating Area 6 for the 2026 plan year. Residents of Wayne County can choose from Select Health and University of Utah Health Plans.

What type of health plans are available on HealthCare.gov in Utah?

In Utah, the federal marketplace at HealthCare.gov offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

How does Utah Medicaid work for adults?

Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage through Utah Medicaid. This includes pregnant women up to 144% FPL and children through CHIP up to 200% FPL.

What is Rating Area 6 in Utah?

Rating Area 6 is a multi-county region in Utah that includes Wayne County, along with Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, and Uintah counties. Health insurance plans and rates are standardized across all counties within this rating area.