Molina Health Insurance Options in Moab, Utah
- Molina Healthcare is not confirmed to offer marketplace plans in Moab, Utah's Rating Area 6 for 2026.
- Moab residents can choose from plans offered by Select Health and University of Utah Health Plans on HealthCare.gov.
- Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for coverage.
- The average uninsured rate in Moab is 14.6%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Carriers and Plans are Available in Moab, Utah?
In Moab, Utah, specifically within Rating Area 6, residents have access to plans from two confirmed carriers for the 2026 plan year: Select Health and University of Utah Health Plans. These carriers offer various plan options through HealthCare.gov, the federal marketplace for Utah. Utah's marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO network structures. Here's a closer look at the local carriers:- Select Health: As one of Utah's largest health plans, Select Health offers a range of HMO and EPO plans designed to serve individuals and families across the state. They often have a strong network of providers within Utah.
- University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier provides HMO and EPO plans that leverage the academic medical center's extensive network and specialized services.
Understanding Medicaid Eligibility in Moab (Grand County)
Utah expanded its Medicaid program in 2020, following a ballot initiative. This expansion significantly broadened eligibility for adults in Moab and across the state. If your household income is at or below 138% of the Federal Poverty Level (FPL), you 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 affordable care for many low-income residents. Beyond standard adult Medicaid, Utah also offers specific programs for vulnerable populations:- Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL. This includes prenatal care, labor and delivery services, and postpartum care.
- Children (CHIP): The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.
How Moab's Location and Demographics Impact Health Coverage
Moab, situated in Grand County, is part of Utah Rating Area 6. This rating area is quite expansive, covering Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. The specific location within this multi-county rating area helps determine the exact plans and prices available to you. According to U.S. Census Bureau ACS 2024 5-year estimates, Moab has a population of 5,312, with a median age of 35.8 years. The median household income is $61,667, and the poverty rate stands at 15.9%. Notably, the uninsured rate in Moab is 14.6%. These demographic factors, particularly income and uninsured rates, highlight the importance of accessible and affordable health insurance options for residents. Grand County itself has a population of 9,754, a median income of $67,106, and an uninsured rate of 10.9% per the same estimates. Grand County has no acute care hospitals within its boundaries, meaning residents needing acute care typically travel to neighboring counties. This makes understanding network coverage and emergency care provisions particularly important when selecting a plan.Choosing the Right Plan: Your Next Steps
When considering health insurance in Moab, it's essential to assess your financial situation and healthcare needs.| Income Level (as % FPL) | Health Insurance Recommendation |
|---|---|
| Below 138% FPL | Apply for Utah Medicaid. You are likely eligible for comprehensive, low-cost coverage. |
| 100% - 400% FPL | Explore marketplace plans on HealthCare.gov. You will likely qualify for premium tax credits (subsidies) to lower your monthly costs. Consider Enhanced Silver plans if your income is closer to the lower end of this range for additional cost-sharing reductions. |
| Above 400% FPL | You can still enroll in marketplace plans on HealthCare.gov. While you may not qualify for premium tax credits, you'll benefit from the consumer protections of the Affordable Care Act. |
Frequently Asked Questions
Does Molina Healthcare offer plans in Moab, Utah?
In 2026, Molina Healthcare is not listed among the carriers offering marketplace plans in Utah Rating Area 6, which includes Moab. Residents in Moab will find plans from Select Health and University of Utah Health Plans on HealthCare.gov.
What type of health insurance plans are available in Moab, Utah?
On HealthCare.gov, residents of Moab, Utah, can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on the federal marketplace in Utah.
Am I eligible for Utah Medicaid in Moab?
Utah expanded Medicaid in 2020. Adults in Moab with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL for CHIP.
How many health insurance carriers offer plans in Grand County, Utah?
For the 2026 plan year, there are 2 health insurance carriers offering marketplace plans in Utah Rating Area 6, which includes Grand County and Moab. These are Select Health and University of Utah Health Plans.