Molina Health Insurance in Kaysville, Utah

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

Molina Healthcare plans are NOT available on HealthCare.gov for Kaysville, Utah residents in 2026.
Kaysville residents can choose from 4 different carriers offering marketplace plans, including BridgeSpan Health Company and Select Health.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
Marketplace plans in Kaysville are limited to HMO and EPO network types; PPO plans are not offered on-exchange.

If you're a resident of Kaysville, Utah, and are looking for Molina Health Insurance plans, it's important to know that Molina Healthcare is not currently listed among the carriers offering plans on the HealthCare.gov marketplace for your area in 2026. While Molina Healthcare may operate in other regions, it does not serve Rating Area 3, which includes Kaysville. However, you still have excellent options for affordable health coverage through the federal marketplace. Utah's marketplace, accessed via HealthCare.gov, provides subsidies to make plans more affordable, and residents may also qualify for expanded Medicaid.

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What Health Insurance Options Are Available in Kaysville?

Even without Molina Healthcare, Kaysville residents have access to a variety of quality health insurance plans through HealthCare.gov. In 2026, marketplace plans in Utah's Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, are offered by four different carriers. These plans primarily utilize 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 choice will focus on plans that require you to select a primary care provider and obtain referrals (HMO) or plans that allow you to see any in-network specialist without a referral (EPO). Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier indicates the split of costs between you and your insurer:

Bronze Plans: Offer the lowest premiums but have the highest deductibles and out-of-pocket maximums. They cover 60% of costs on average, suitable for those who expect minimal medical care.
Silver Plans: Provide a balance between premiums and out-of-pocket costs, covering about 70% of costs. Crucially, if your income falls within certain limits (100-250% FPL), you may qualify for Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums significantly.
Gold Plans: Feature higher premiums but lower deductibles and out-of-pocket maximums, covering approximately 80% of costs. These are ideal if you anticipate regular medical needs or prefer more predictable expenses.

Health Insurance Carriers in Kaysville

For the 2026 plan year, residents of Kaysville in Rating Area 3 have four carriers offering plans on HealthCare.gov. These carriers provide a range of HMO and EPO options designed to meet diverse needs and budgets. It is important to compare plans not just by premium, but also by network (which doctors and hospitals are included) and out-of-pocket costs. The confirmed carriers for Kaysville, Utah, in 2026 are:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

These carriers serve Kaysville and the broader Rating Area 3, which includes Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Each offers various plan designs, so it's advisable to review their specific offerings to find one that aligns with your healthcare preferences and financial situation.

Understanding Financial Assistance and Medicaid Eligibility in Kaysville

The cost of health insurance in Kaysville can be significantly reduced through financial assistance available on HealthCare.gov. These subsidies, known as Advance Premium Tax Credits (APTCs), are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits can be applied directly to your monthly premium, lowering your out-of-pocket cost. Kaysville, with a population of 33,053 and a median income of $133,026, is part of Davis County, which has an uninsured rate of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates. Davis County's four acute care hospitals — Holy Cross Hospital-davis, Lakeview Hospital, Intermountain Health Layton Hospital, and Western Peaks Specialty Hospital — serve a population of 370,924. For those with lower incomes, Utah expanded its Medicaid program in 2020. Adults with incomes up to 138% of the FPL may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for many low-income residents.

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

If your income is below 138% FPL, you should apply for Utah Medicaid directly through medicaid.utah.gov. If your income is higher but still within the subsidy range, HealthCare.gov will determine your eligibility for premium tax credits and cost-sharing reductions.

Choosing the Right Plan for You in Kaysville

Navigating your health insurance options requires careful consideration of several factors. Since Molina Healthcare is not an option, focus on the available carriers and their specific plans.

Assess Your Budget: Determine how much you can comfortably pay each month for premiums and what you're willing to pay out-of-pocket for medical services (deductibles, copays, coinsurance).
Consider Your Healthcare Needs: If you have chronic conditions or anticipate frequent doctor visits, a Gold or Silver plan with CSRs might save you money in the long run, despite higher premiums. If you are generally healthy, a Bronze plan could be more cost-effective for catastrophic coverage.
Check Doctor and Hospital Networks: Verify that your preferred doctors, specialists, and facilities, such as Holy Cross Hospital-davis or Lakeview Hospital in Davis County, are included in the network of any plan you are considering. Remember that HMOs require a primary care provider and referrals, while EPOs offer more direct access to specialists within their network.
Utilize Subsidies: Don't overlook the financial assistance available. Even if you think your income is too high, you might still qualify for significant premium tax credits.

Connecting with a licensed health insurance producer can simplify this process. They can help you compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, ensuring you find the best fit for your family and budget without any additional cost to you.

Frequently Asked Questions

Is Molina Healthcare available on HealthCare.gov in Kaysville, Utah?

No, Molina Healthcare is not among the four carriers offering marketplace plans in Kaysville (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 can I get in Kaysville, Utah?

In Kaysville, marketplace shoppers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. These plans offer varying levels of network flexibility and cost structures.

Can I get Medicaid in Kaysville, 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 with incomes up to 144% FPL, and children through CHIP up to 200% FPL. You can apply through Utah's Medicaid portal (medicaid.utah.gov).

How do I choose the best health plan for my needs in Kaysville?

Consider your budget, preferred doctors, and anticipated medical needs. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket expenses. Silver plans offer cost-sharing reductions for eligible incomes. An agent can help compare options from the available carriers.