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

Molina Health Insurance in Kearns, Utah: What Are Your Options?

Molina Health Insurance is not available on the HealthCare.gov marketplace in Kearns, Utah, for the 2026 plan year.
Kearns residents can choose from 5 confirmed health insurance carriers offering plans in Rating Area 3.
Utah's marketplace plans are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) types; PPO plans are not offered on-exchange.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).

If you are searching for Molina Health Insurance plans in Kearns, Utah, it is important to know that Molina Health Insurance is not currently among the carriers offering plans on the HealthCare.gov marketplace in Rating Area 3, which includes Kearns and the broader Salt Lake County, for the 2026 plan year. While Molina Health Insurance may operate in other states or offer other types of coverage, their marketplace plans are not available in this specific Utah region. However, Kearns residents have several other strong options for comprehensive health coverage, including subsidized plans through HealthCare.gov. Understanding the available carriers, plan types, and financial assistance is key to finding the right coverage for your needs.

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What Health Insurance Plans Are Available in Kearns, Utah?

For residents of Kearns and Salt Lake County, the primary avenue for individual and family health insurance is the federal marketplace, HealthCare.gov. In 2026, 5 carriers offer plans in Utah's Rating Area 3, providing a range of choices for consumers. These plans fall into two main network types available on-exchange in Utah: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). Unlike some other states, PPO plans are not available on the Utah marketplace. Health insurance plans on HealthCare.gov are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket maximums. They are designed for those who expect to use medical services infrequently.
Silver plans offer moderate premiums and out-of-pocket costs. They are unique because they are eligible for Cost-Sharing Reductions (CSRs) for individuals and families with incomes up to 250% of the Federal Poverty Level, significantly lowering deductibles, copayments, and out-of-pocket maximums.
Gold plans have higher monthly premiums but lower deductibles and out-of-pocket maximums, meaning the plan pays a larger share of your medical costs. These are suitable for individuals who anticipate needing more medical care.

All plans available through HealthCare.gov must cover the ten Essential Health Benefits, including prescription drugs, mental health services, maternity care, and preventive services, often at no additional cost.

Understanding Utah Medicaid Eligibility in Kearns

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. If your income falls within certain thresholds, you may qualify for low-cost or no-cost health insurance through Utah Medicaid. Adults in Kearns with household incomes up to 138% of the Federal Poverty Level (FPL) are generally eligible for Utah Medicaid. Specific income thresholds for other populations include:

Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): Uninsured children in households with income up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP).

Applying for Utah Medicaid or CHIP can be done directly through Utah's Medicaid portal (medicaid.utah.gov). It is crucial to check your eligibility, especially if your income is below the FPL, as you may qualify for robust, low-cost coverage.

Health Insurance Carriers in Kearns

While Molina Health Insurance is not an option on the marketplace in Kearns, residents have a selection of other reputable carriers for their 2026 health coverage needs. In 2026, 5 carriers offer marketplace plans in Utah's Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. The confirmed health insurance carriers offering plans in Kearns, Utah, for the 2026 plan year are:

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

Each of these carriers offers a variety of HMO and EPO plans across the metal tiers, allowing you to compare options based on premiums, deductibles, network providers, and specific benefits. For example, Salt Lake County, with a population of 1,196,523 and an uninsured rate of 9.2% per U.S. Census Bureau ACS 2024 5-year estimates, is served by major healthcare systems such as University of Utah Hospital and Clinics and Intermountain Medical Center, which are often part of these carriers' networks.

Choosing the Right Plan in Kearns

Selecting the best health insurance plan in Kearns depends on your individual health needs, financial situation, and preferred access to care. Here's a guide to help you decide:

Assess Your Healthcare Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold plan with lower out-of-pocket costs after the deductible might be a better value, despite higher premiums. If you are generally healthy and only want coverage for emergencies, a Bronze plan could be more cost-effective.
Check for Subsidies: Most Kearns residents qualify for premium tax credits through HealthCare.gov, which can significantly lower your monthly premiums. These subsidies are available to individuals and families earning between 100% and 400% of the Federal Poverty Level.
Consider Cost-Sharing Reductions (CSRs): If your income is between 100% and 250% FPL, enrolling in a Silver plan makes you eligible for CSRs, which reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans a highly attractive option.
Review Network Providers: Since Utah's marketplace offers HMO and EPO plans, ensure that your preferred doctors, specialists, and hospitals are included in the plan's network before enrolling. Major hospitals in Salt Lake County, such as Holy Cross Hospital - Salt Lake, University of Utah Hospital and Clinics, and Intermountain Medical Center, are generally part of the larger carrier networks.

A licensed health insurance producer can help you navigate these choices, compare plans from the 5 available carriers, and ensure you take full advantage of any subsidies or cost-sharing reductions you qualify for, all at no cost to you.

Frequently Asked Questions

Is Molina Health Insurance available in Kearns, Utah?

No, Molina Health Insurance is not among the 5 carriers offering marketplace plans in Utah's Rating Area 3, which includes Kearns and Salt Lake County, for the 2026 plan year. You will need to consider other carriers for your health coverage.

What types of health insurance plans can I get in Kearns, Utah?

In Kearns, Utah, marketplace plans are primarily offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. These plans are available through HealthCare.gov.

Can I get Medicaid in Kearns, Utah?

Yes, Utah expanded Medicaid in 2020. Adults with 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 through CHIP up to 200% FPL. You can apply through Utah's Medicaid portal (medicaid.utah.gov).

How many health insurance carriers offer plans in Kearns, Utah?

For the 2026 plan year, 5 health insurance carriers offer marketplace plans in Rating Area 3, which covers Kearns and Salt Lake County. These carriers include BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.