Molina Health Insurance Options in Garfield County, Utah

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

Molina Healthcare does NOT offer marketplace plans in Garfield County, Utah, for the 2026 plan year.
In 2026, 2 confirmed carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Garfield County's Rating Area 6.
Utah expanded Medicaid in 2020, making coverage available for adults with income up to 138% FPL.
Garfield County, with a population of 5,219, has an uninsured rate of 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Garfield County, Utah, requires understanding local plan availability. While Molina Healthcare operates statewide, it is important to note that Molina Healthcare does not offer plans on the HealthCare.gov marketplace in Garfield County for the 2026 plan year. Residents seeking coverage will find options from other carriers confirmed to serve Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. This guide will detail the available plans, carriers, and financial assistance programs to help Garfield County residents secure appropriate health coverage.

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What Health Plans Are Available in Garfield County?

Garfield County residents access health insurance through HealthCare.gov, the federal marketplace. For 2026, the primary plan types available are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not offered on-exchange in Utah. Both HMO and EPO plans require you to use a network of doctors and hospitals, but EPOs typically offer more flexibility than HMOs, often allowing out-of-network care for emergencies, though non-emergency care is restricted to the network. When choosing a plan, consider the metal tiers: Bronze, Silver, Gold, and Platinum.

Bronze plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage, covering essential health benefits after a high deductible is met.
Silver plans offer moderate premiums and deductibles. They are particularly valuable for individuals and families who qualify for cost-sharing reductions (CSRs), which significantly lower deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans.
Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket costs, meaning the plan starts paying for care sooner. These are often a good choice for those who expect to use medical services frequently.

No matter the metal tier, all plans cover the ten essential health benefits mandated by the Affordable Care Act (ACA), including prescription drugs, mental health services, and maternity care.

Health Insurance Carriers in Garfield County

For the 2026 plan year, 2 confirmed carriers offer marketplace plans in Rating Area 6, which includes Garfield County. As previously noted, Molina Healthcare is not among the carriers offering plans in this specific rating area. The available carriers are:

Select Health: A Utah-based not-for-profit health plan, Select Health offers a range of HMO and EPO plans designed to serve communities across the state. They focus on integrated care with local providers.
University of Utah Health Plans: Affiliated with the University of Utah Health, this carrier provides HMO and EPO plans that often integrate access to the university's comprehensive health system and network of community providers.

When selecting a plan, it's crucial to verify that your preferred doctors and any necessary specialists are within the network of the plan you choose. You can compare specific plans and their networks directly on HealthCare.gov.

Financial Assistance and Utah Medicaid in Garfield County

Many Garfield County residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms through HealthCare.gov:

Premium Tax Credits (Subsidies): These reduce your monthly premium payment. Eligibility is based on your household income, with subsidies available for individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available for those earning between 100% and 250% FPL and are automatically applied to Silver-tier plans.

Utah expanded Medicaid in 2020 via a ballot initiative, a significant difference from some other states. This means adults with household income up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. This program provides essential health services at little to no cost. Pregnant women in Utah may qualify for Medicaid with income up to 144% FPL, and children up to 200% FPL for the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through medicaid.utah.gov. Garfield County, part of Utah Rating Area 6, is one of the state's most rural counties, with just 5,219 residents and an uninsured rate of 12.2% per U.S. Census Bureau ACS 2024 5-year estimates. The median income is $61,875. Residents needing acute care travel to neighboring counties, as Garfield County has no acute care hospitals within its boundaries. Understanding these local demographics and the availability of financial aid is key to securing affordable coverage.

How to Choose the Right Plan

Choosing the right health insurance plan depends on your individual health needs, financial situation, and preferred access to care. Consider these factors:

Budget: Balance monthly premiums with potential out-of-pocket costs. If you rarely visit the doctor, a Bronze plan with a higher deductible might be suitable. If you have chronic conditions or anticipate frequent medical care, a Gold plan with lower out-of-pocket costs could be more economical in the long run.
Doctor and Hospital Networks: Since Garfield County has no acute care hospitals, ensuring your plan covers facilities in neighboring counties or specific out-of-county providers you use is critical. HMO and EPO plans have specific networks; confirm your preferred providers are included.
Prescription Medications: Check the plan's formulary (list of covered drugs) to ensure your essential medications are covered and what their cost-sharing will be.
Cost-Sharing Reductions: If your income qualifies you for CSRs (between 100% and 250% FPL), always choose a Silver plan. This will provide significantly lower deductibles, copays, and out-of-pocket maximums than any other metal tier.

A licensed health insurance producer can provide personalized guidance, help you compare plans, and ensure you receive all eligible subsidies, all at no cost to you.

Frequently Asked Questions

Does Molina Healthcare offer plans in Garfield County, Utah?

No, Molina Healthcare does not offer marketplace health insurance plans in Garfield County, Utah. In 2026, residents of Garfield County's Rating Area 6 can choose from plans offered by Select Health and University of Utah Health Plans.

What types of health insurance plans are available in Garfield County?

On the HealthCare.gov marketplace in Garfield County, you will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Can I get help paying for health insurance in Garfield County?

Yes, many Garfield County residents qualify for premium tax credits and cost-sharing reductions through HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level (FPL), with subsidies available for those earning between 100% and 400% FPL.

What if my income is too low for marketplace subsidies in Utah?

Utah expanded Medicaid in 2020. If your household income is below 138% of the Federal Poverty Level, you may qualify for Utah Medicaid, which provides comprehensive, low-cost health coverage. Pregnant women may qualify with income up to 144% FPL, and children up to 200% FPL for CHIP.