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

Molina Health Insurance Options in Richfield, Utah

Molina Health Insurance is not available on the HealthCare.gov marketplace in Richfield, Utah for the 2026 plan year.
Residents of Richfield can choose from 2 confirmed carriers: Select Health and University of Utah Health Plans.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Only HMO and EPO plans are offered on the HealthCare.gov marketplace in Richfield; PPO plans are not available with subsidies.

While Molina Health Insurance is a recognized name in some states, it is not currently an option for residents seeking health insurance on the HealthCare.gov marketplace in Richfield, Utah. For the 2026 plan year, consumers in Richfield and the surrounding Rating Area 6 will find plans offered by two other carriers: Select Health and University of Utah Health Plans. This article will guide you through the available health insurance choices in Richfield, clarify eligibility for financial assistance, and explain how Utah's expanded Medicaid program might benefit you and your family. Understanding these options is crucial for securing affordable and comprehensive coverage in Richfield, Utah.

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What Health Plans Are Available in Richfield, Utah?

Residents of Richfield, Utah, and the broader Rating Area 6 access their health insurance through the federal marketplace, HealthCare.gov. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. Instead, consumers choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. These network structures dictate how you access doctors and specialists, with HMOs generally requiring a primary care physician referral for specialist visits, and EPOs offering more flexibility within their network without a referral. The marketplace is designed to make health coverage more accessible and affordable, especially for those who do not receive insurance through an employer. Depending on your household income, you may qualify for premium tax credits (subsidies) that significantly reduce your monthly premium, and cost-sharing reductions (CSRs) that lower your out-of-pocket expenses like deductibles, copayments, and coinsurance.

Health Insurance Carriers in Richfield

For the 2026 plan year, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. If you are looking for health insurance in Richfield, you will be able to choose from plans offered by these companies:

Select Health: A major health plan provider in Utah, Select Health offers a range of plans on the HealthCare.gov marketplace.
University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier provides coverage options to residents in the region.

When comparing plans, consider not only the monthly premium but also the deductible, out-of-pocket maximum, and the network of doctors and hospitals. Even though Molina Health Insurance is not an option here, these two carriers provide competitive choices for Richfield residents.

Understanding Financial Assistance and Utah Medicaid Eligibility

Many Richfield residents may qualify for financial assistance to make health insurance more affordable. The HealthCare.gov marketplace offers two main types of subsidies:

Premium Tax Credits (PTCs): These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically offered to individuals and families with incomes up to 250% FPL.

Utah Medicaid Expansion

Unlike some other states, Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that more low-income adults in Richfield can qualify for comprehensive, no-cost or low-cost health coverage.

Adults: If your household income is up to 138% of the Federal Poverty Level, you may qualify for Utah Medicaid.
Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care. This is a crucial benefit, as pregnancy alone is not a qualifying life event for marketplace enrollment until after the baby is born. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for Utah's CHIP (Children's Health Insurance Program).

It's important to apply to see what you qualify for. If your income falls below 138% FPL, you will likely be directed to Utah Medicaid. If your income is between 100% and 400% FPL, you will likely qualify for marketplace subsidies.

Local Healthcare Landscape in Richfield, Utah

Richfield, with a population of 8,224, is located in Wayne County, which is part of Utah Rating Area 6. This rating area is quite extensive, covering 16 counties including Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. According to U.S. Census Bureau ACS 2024 5-year estimates, Richfield has a median income of $74,756 and an uninsured rate of 7.3%. Wayne County itself is relatively rural, with a population of 2,584 and a median income of $76,607, and an uninsured rate of 4.2%. Wayne County has no acute care hospitals within its boundaries. This means that residents of Richfield and Wayne County needing acute care will typically travel to neighboring counties for hospital services. When selecting a health plan, it's essential to check if the plan's network includes facilities and providers in the areas you would access for medical care.

Navigating Your Health Insurance Choices in Richfield

Choosing the right health insurance plan requires careful consideration of your health needs, financial situation, and preferred providers. Here's a step-by-step guide for Richfield residents:

Determine Your Eligibility: Start by visiting HealthCare.gov and entering your household income and family size. This will show you if you qualify for premium tax credits, cost-sharing reductions, or Utah Medicaid.
Compare Plan Types: Remember that in Richfield, your on-marketplace options are HMO and EPO plans. Understand the differences in how they manage referrals and network access.
Review Carriers and Networks: Since Molina Health Insurance is not available, focus on plans from Select Health and University of Utah Health Plans. Check if your preferred doctors, specialists, and any hospitals you might use (likely in neighboring counties) are in the plan's network.
Consider Plan Tiers:
- Bronze plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. Best for those who expect to use medical services infrequently.
- Silver plans: Provide moderate premiums and out-of-pocket costs. If you qualify for cost-sharing reductions, these benefits are only applied to Silver plans, making them a very strong value.
- Gold plans: Have higher monthly premiums but lower deductibles and out-of-pocket costs. Ideal for those who anticipate needing more medical care.
Look Beyond the Premium: Always consider the deductible, copayments, coinsurance, and annual out-of-pocket maximum. A lower premium might mean higher costs when you actually use care.

Navigating these choices can be complex, but you don't have to do it alone. A licensed health insurance producer can provide free, personalized assistance to help you understand your options and enroll in a plan that meets your needs.

Frequently Asked Questions

Is Molina Health Insurance available on the HealthCare.gov marketplace in Richfield, Utah?

As of the 2026 plan year, Molina Health Insurance is not among the two carriers offering plans on the HealthCare.gov marketplace in Rating Area 6, which includes Richfield, Utah. The confirmed carriers for this area are Select Health and University of Utah Health Plans.

What are the income limits for Utah Medicaid in Richfield?

Utah expanded Medicaid in 2020. Adults in Richfield with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children under the CHIP program, it's 200% FPL.

What types of health plans are available in Richfield, Utah?

On the HealthCare.gov marketplace in Richfield, Utah, consumers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, meaning all subsidized options will be HMO or EPO.

Do I qualify for financial help to pay for health insurance in Richfield?

Many Richfield residents qualify for premium tax credits that lower their monthly premiums, and some may also qualify for cost-sharing reductions to lower out-of-pocket costs. Eligibility is based on household income and family size relative to the Federal Poverty Level. You can check your eligibility on HealthCare.gov.

Are there any hospitals in Wayne County, where Richfield is located?

Wayne County, Utah, does not have any acute care hospitals within its boundaries. Residents of Richfield needing hospital services will need to travel to facilities in neighboring counties. It is important to confirm that any health plan you choose includes these facilities in its network.