Molina Health Insurance in Herriman, Utah: Your 2026 Coverage Options
- Molina Health Insurance is not among the five carriers offering marketplace plans in Herriman, Utah for the 2026 plan year.
- Herriman residents can choose from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov.
- Utah expanded Medicaid in 2020; adults with income up to 138% FPL may qualify, pregnant women up to 144% FPL.
- The uninsured rate in Herriman is 2.8%, significantly lower than Salt Lake County's 9.2%.
- Herriman is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties.
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What Health Insurance Options Are Available in Herriman, Utah?
Residents of Herriman, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. For the 2026 plan year, the available plan types are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not available on-exchange in Utah. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the balance between monthly premiums and out-of-pocket costs. Bronze plans typically have lower premiums but higher deductibles and copayments, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses. Silver plans offer a middle ground and are the only tier eligible for Cost-Sharing Reductions (CSRs) for eligible individuals. Herriman is located in Salt Lake County and falls within Utah Rating Area 3. This rating area also covers Davis, Summit, Tooele, and Wasatch counties. Carriers offer plans uniformly across all counties within a given rating area. Herriman, with a population of 59,346 and a median income of $122,650 per U.S. Census Bureau ACS 2024 5-year estimates, has a notably low uninsured rate of 2.8%, indicating strong access to coverage within the community.Health Insurance Carriers in Herriman
For the 2026 plan year, five carriers offer marketplace plans in Rating Area 3, which includes Herriman, Utah. As previously noted, Molina Health Insurance is not among these confirmed carriers for this rating area. The available carriers provide a range of HMO and EPO plans designed to meet diverse needs and budgets. It is essential to compare plans from each carrier based on their network of doctors and hospitals, prescription drug coverage, and overall cost structure. The confirmed marketplace carriers for Herriman and the rest of Rating Area 3 in 2026 are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Understanding Financial Assistance and Utah Medicaid
Many Herriman residents qualify for financial assistance to make health insurance more affordable. Subsidies, known as Premium Tax Credits, can significantly reduce your monthly premium payments. Additionally, if your income is below a certain level, you may qualify for Cost-Sharing Reductions (CSRs) that lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable. These subsidies are available through HealthCare.gov based on your household income and family size. Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This is a critical difference from states without Medicaid expansion, ensuring that more low-income individuals have access to comprehensive health coverage. For pregnant women, Utah Medicaid covers individuals with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care. Uninsured children in households with incomes up to 200% FPL may qualify for the Utah Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through the Utah's Medicaid portal (medicaid.utah.gov).Choosing the Right Health Plan in Herriman
Selecting the best health plan for your needs in Herriman depends on several factors, including your household income, anticipated medical needs, and preferred doctors and hospitals.| Income Level (Approx. FPL) | Recommendation | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Utah Medicaid | Comprehensive, low-cost coverage |
| 100% - 250% FPL | Explore Silver plans with Cost-Sharing Reductions (CSRs) | Lower out-of-pocket costs and premiums with subsidies |
| 250% - 400% FPL | Compare Bronze, Silver, and Gold plans with Premium Tax Credits | Significant premium assistance available |
| Above 400% FPL | Evaluate Bronze, Silver, and Gold plans for best value | Access to marketplace plans; may still find competitive pricing |
Frequently Asked Questions
Does Molina Health Insurance offer plans in Herriman, Utah?
For the 2026 plan year, Molina Health Insurance is not listed among the carriers offering marketplace plans in Herriman, Utah's Rating Area 3. Residents of Herriman seeking marketplace coverage will choose from five other confirmed carriers.
What types of health insurance plans are available in Herriman?
In Herriman, Utah, marketplace health insurance plans are offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah.
Can I get help paying for health insurance in Herriman?
Yes, many Herriman residents qualify for financial assistance (subsidies) through HealthCare.gov to help lower monthly premiums and out-of-pocket costs. Eligibility is based on household income relative to the federal poverty level.
What are the income limits for Utah Medicaid in Herriman?
Utah expanded Medicaid in 2020. Adults in Herriman with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify with income up to 144% FPL, and children up to 200% FPL for CHIP.
Which hospitals are available in Salt Lake County for Herriman residents?
Salt Lake County offers numerous hospitals, including Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, Intermountain Medical Center, Intermountain Health Alta View Hospital, St Mark's Hospital, Holy Cross Hospital-jordan Valley, Intermountain Health Riverton Hospital, Lone Peak Hospital, and Primary Children's Hospital. It's important to verify that your chosen health plan's network includes your preferred medical facilities.