Molina Health Insurance in Clearfield, Utah
- Molina Health Insurance plans are NOT available on the HealthCare.gov marketplace in Clearfield, Utah, for the 2026 plan year.
- Clearfield residents can choose from 4 confirmed carriers offering marketplace plans in Rating Area 3: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
- Utah expanded Medicaid in 2020, making adults with incomes up to 138% of the Federal Poverty Level (FPL) eligible for coverage.
- Marketplace plans in Utah primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks; PPO plans are not offered on-exchange.
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What Are Your Health Insurance Options in Clearfield, Utah?
Even without Molina Health Insurance, residents of Clearfield have several options for health coverage, primarily through the HealthCare.gov marketplace. As Utah expanded Medicaid in 2020, individuals and families with lower incomes may qualify for robust, low-cost or no-cost coverage. For those above Medicaid thresholds, the marketplace offers various plans with potential subsidies, known as Advance Premium Tax Credits, to help reduce monthly premiums. Clearfield, with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Davis County. Davis County, home to 370,924 residents, has an uninsured rate of 5.7%. Clearfield residents benefit from access to several hospitals within Davis County, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful, which are part of the broader healthcare network.Marketplace Plan Types and Availability
In Utah, marketplace health insurance plans primarily come in two network structures: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). PPO plans are not available through the HealthCare.gov marketplace in Utah. HMO Plans: Typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. They generally have lower premiums and out-of-pocket costs. EPO Plans: Offer a broader network than HMOs and usually don't require a PCP referral for specialists, but you must stay within the plan's network for coverage, except in emergencies.Utah Medicaid and CHIP Eligibility
Utah expanded its Medicaid program in 2020, significantly increasing access to affordable healthcare. This means that adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. For a household of one, this typically means an income around $20,120 annually for 2026. Special eligibility thresholds also exist for specific populations:- Pregnant Women: Qualify for Utah Medicaid with incomes up to 144% FPL, covering prenatal, delivery, and postpartum care.
- Children (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP).
Health Insurance Carriers in Clearfield
While Molina Health Insurance is not available, residents of Clearfield have other strong options for health insurance coverage. Clearfield is located in Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, 4 carriers offer marketplace plans in Rating Area 3. The confirmed carriers offering marketplace plans in Clearfield's Rating Area 3 are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Health Plan in Clearfield
Selecting the best health insurance plan involves considering your income, health needs, and preferred doctors. Here's a guide to help you navigate your options:| Income Level (as % FPL) | Recommendation | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Utah Medicaid | Comprehensive coverage with no or very low premiums and out-of-pocket costs. |
| 138% - 250% FPL | Explore Enhanced Silver Plans | Significant Cost-Sharing Reductions (CSRs) lower deductibles, copays, and out-of-pocket maximums, in addition to premium tax credits. |
| 250% - 400% FPL | Consider Silver or Gold Plans with Premium Tax Credits | Still eligible for substantial premium tax credits, making mid-tier plans more affordable. Gold plans offer lower out-of-pocket costs when you use care. |
| Above 400% FPL | Evaluate Bronze, Silver, or Gold Plans | May not qualify for subsidies but can choose plans directly from carriers on HealthCare.gov. Bronze plans have lower premiums but higher out-of-pocket costs. |
Frequently Asked Questions
Can I get Molina Health Insurance in Clearfield, Utah?
No, Molina Health Insurance plans are not among the 4 carriers offering marketplace plans in Clearfield's Rating Area 3 for the 2026 plan year. Residents should explore plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
What types of health insurance plans are available in Clearfield, Utah?
In Clearfield, Utah, marketplace shoppers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.
Do I qualify for Medicaid in Clearfield, Utah?
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 up to 144% FPL, and children through CHIP up to 200% FPL.
How many health insurance carriers offer plans in Clearfield's rating area?
For the 2026 plan year, 4 carriers offer marketplace health insurance plans in Rating Area 3, which includes Clearfield and other counties like Salt Lake, Summit, Tooele, and Wasatch. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.