Molina Health Insurance in Murray, Utah: 2026 Marketplace Plans

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

Molina Health Insurance does NOT offer marketplace plans in Murray, Utah's Rating Area 3 for the 2026 plan year.
Murray residents can choose from 5 confirmed carriers for 2026 marketplace plans, including Regence BlueCross BlueShield of Utah and Select Health.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are generally not available on-exchange in Murray.
Many Murray households qualify for financial assistance, with Utah Medicaid covering adults up to 138% FPL and CHIP for children up to 200% FPL.

If you're searching for Molina Health Insurance plans in Murray, Utah, it's important to know that for the 2026 plan year, Molina Health Insurance does not offer individual and family marketplace plans in Rating Area 3, which includes Murray. However, residents of Murray still have a robust selection of health insurance options available through HealthCare.gov, Utah's federal marketplace. This guide will help you understand the carriers that do serve Murray, the types of plans available, and how to access financial assistance to make coverage more affordable. Murray, with a population of 50,188 and an uninsured rate of 7.1% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Salt Lake County, which has 10 acute care hospitals, including Intermountain Medical Center located directly in Murray.

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What Health Insurance Options Are Available in Murray, Utah?

Residents of Murray, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost coverage. For those above Medicaid thresholds, the marketplace offers subsidized private health plans. The primary types of plans available on-exchange in Murray are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are generally not available on-exchange in Utah. This means your choices will focus on plans that typically require you to select a primary care provider and obtain referrals for specialists (HMOs) or use a specific network of doctors and hospitals (EPOs) to receive covered services.

Health Insurance Carriers in Murray

While Molina Health Insurance is not available in Murray's Rating Area 3 for 2026, residents have excellent choices from other established insurers. In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of plan options designed to meet diverse needs and budgets. The confirmed local carriers for Murray and 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

Each of these carriers offers various plans across different metal tiers (Bronze, Silver, Gold), allowing you to compare benefits, networks, and costs directly on HealthCare.gov. It is always recommended to review the specific plan details, including provider networks and formularies, before enrolling.

Understanding Financial Assistance and Utah Medicaid

Many Murray residents qualify for significant financial assistance to lower their health insurance costs. This assistance comes in two main forms:

Premium Tax Credits (APTC): These subsidies reduce your monthly premium payments. Eligibility is based on household income and can extend to individuals and families earning up to 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available to individuals and families with incomes between 100% and 250% FPL, but only if you enroll in a Silver-tier plan.

Utah expanded its Medicaid program in 2020. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. For a single individual in 2026, this threshold is approximately $20,783 per year. Families will have higher income limits. Utah Medicaid also provides coverage for pregnant women with incomes up to 144% FPL and uninsured children through the Children's Health Insurance Program (CHIP) with incomes up to 200% FPL. These programs offer comprehensive benefits with little to no cost to the enrollee.

Choosing the Right Plan in Murray

Selecting the best health plan involves considering your budget, health needs, and preferred doctors. Here are key factors to evaluate:

Plan Type (HMO vs. EPO): As PPO plans are generally not available on-exchange, understand the differences between HMOs and EPOs. HMOs typically require a primary care physician (PCP) and referrals for specialists, while EPOs offer more flexibility but still require you to stay within a specific network.
Metal Tier (Bronze, Silver, Gold):
- Bronze plans have the lowest premiums but the highest deductibles and out-of-pocket maximums, best for those who expect minimal medical care.
- Silver plans offer moderate premiums and deductibles. They are the only plans eligible for Cost-Sharing Reductions, making them a strong value for those with incomes between 100% and 250% FPL.
- Gold plans have higher premiums but lower deductibles and out-of-pocket costs, suitable for those who anticipate needing more medical services.
Provider Network: Ensure your preferred doctors, specialists, and hospitals are included in the plan's network. Major health systems in Salt Lake County, such as Intermountain Medical Center, University of Utah Hospital and Clinics, and St Mark's Hospital, are affiliated with various plans.
Prescription Coverage: Check the plan's formulary to confirm your medications are covered and understand their cost-sharing structure.

Murray, Utah, part of Salt Lake County, serves a population of 50,188 with a median household income of $90,746 per U.S. Census Bureau ACS 2024 5-year estimates. The county boasts 10 hospitals, including Intermountain Medical Center, located in Murray. These local facts highlight the robust healthcare infrastructure available to residents, making network considerations a practical decision point.

Frequently Asked Questions

Does Molina Health Insurance offer plans in Murray, Utah?

For the 2026 plan year, Molina Health Insurance does not offer marketplace plans in Rating Area 3, which includes Murray, Utah. Residents seeking coverage through HealthCare.gov will choose from other confirmed local carriers such as BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

What type of health insurance plans are available in Murray, Utah?

In Murray, Utah, marketplace plans available through HealthCare.gov primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are generally not offered on-exchange in Utah, meaning your choice will focus on HMO or EPO options.

Can I get financial help to pay for health insurance in Murray?

Yes, many Murray residents qualify for subsidies, including Premium Tax Credits and Cost-Sharing Reductions, to lower their monthly premiums and out-of-pocket costs. Eligibility depends on your household income relative to the Federal Poverty Level (FPL). For example, individuals earning up to 400% FPL often qualify for premium tax credits, while those between 100% and 250% FPL may also be eligible for enhanced cost-sharing reductions, especially with Silver plans.

What are the income limits for Utah Medicaid in Murray?

Utah expanded Medicaid in 2020. Adults in Murray with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Specific thresholds also exist for pregnant women (up to 144% FPL) and children through CHIP (up to 200% FPL). You can apply through Utah's Medicaid portal at medicaid.utah.gov.