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

Molina Health Insurance in Salt Lake City, Utah

Molina Healthcare does NOT offer marketplace plans in Salt Lake City, Utah's Rating Area 3 for the 2026 plan year.
Five confirmed carriers offer marketplace plans in Salt Lake City, including Regence BlueCross BlueShield of Utah and Select Health.
Utah expanded Medicaid in 2020; adults with income up to 138% FPL qualify for coverage.
Marketplace plans in Salt Lake City are primarily HMO and EPO networks; PPO plans are not available on-exchange.

If you are seeking Molina Healthcare plans in Salt Lake City, Utah, it is important to know that as of the 2026 plan year, Molina Healthcare does not offer individual or family marketplace health insurance plans in Rating Area 3, which includes Salt Lake City. Residents looking for coverage through HealthCare.gov will need to choose from other carriers available in the area. Utah's marketplace offers a selection of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, with PPO plans not being available on-exchange. Understanding your options and eligibility for subsidies or Medicaid is key to finding the right coverage.

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What Health Insurance Options Are Available in Salt Lake City?

For residents of Salt Lake City and the surrounding Salt Lake County area, health insurance is primarily accessed through HealthCare.gov, the federal marketplace. In 2026, five confirmed carriers offer plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of plan types designed to meet various health needs and budgets. The primary plan types available on-exchange in Utah are HMO and EPO plans. HMOs typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. EPOs offer more flexibility to see specialists without a referral, but generally still require you to stay within the plan's network for covered services. PPO plans, which offer out-of-network coverage at a higher cost, are not available on-exchange in Utah.

Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing crucial health coverage for many low-income residents. Unlike some states, Utah does not have a "coverage gap" for adults. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual in 2026, this threshold is approximately $20,783 per year. Special eligibility rules apply for specific populations:

Pregnant Women: Pregnant women with household incomes up to 144% FPL may qualify for Utah Medicaid, which covers prenatal care, labor, delivery, and postpartum care. Applications can be submitted through medicaid.utah.gov.
Children (CHIP): Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential medical services.

If your income falls within these ranges, exploring Medicaid or CHIP options should be your first step, as these programs often provide comprehensive coverage with little to no out-of-pocket costs.

Health Insurance Carriers in Salt Lake City

While Molina Healthcare does not offer plans on the marketplace in Salt Lake City for 2026, residents have several other reputable carriers to choose from. In 2026, five carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These include:

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

These carriers provide a variety of plans across different metal tiers (Bronze, Silver, Gold), each offering distinct cost-sharing structures. Salt Lake City, home to 208,007 residents with a median income of $75,090 per U.S. Census Bureau ACS 2024 5-year estimates, is part of Salt Lake County, which has 10 acute care hospitals serving a population of 1,196,523. Major healthcare providers in the area include University of Utah Hospital and Clinics, Intermountain Medical Center, and Holy Cross Hospital - Salt Lake. When selecting a plan, it is important to consider not only the premium but also the deductible, copayments, and coinsurance, as well as whether your preferred doctors and hospitals are in-network.

Choosing the Right Plan for Your Needs

Navigating health insurance options can feel complex, but focusing on a few key factors can simplify the process:

Income and Subsidies: If your income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) that can significantly reduce your monthly premiums. Individuals between 150% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans, lowering deductibles and out-of-pocket maximums.
Health Needs: If you anticipate frequent doctor visits or require specific prescriptions, a Gold plan might be beneficial due to its lower out-of-pocket costs, despite higher premiums. If you are generally healthy and prefer lower monthly payments, a Bronze plan might be suitable, but be prepared for higher costs if you need significant care. Silver plans offer a balance and are the only plans eligible for CSRs.
Network Preferences: With HMO and EPO plans, ensure your preferred doctors, specialists, and hospitals are within the carrier's network. Major systems like University of Utah Hospital and Clinics, Intermountain Medical Center (Murray), and Holy Cross Hospital - Salt Lake are important considerations for many residents.

For personalized guidance and to compare plans from the confirmed carriers in Salt Lake City, consulting with a licensed health insurance producer can provide clarity and ensure you choose a plan that aligns with your specific health and financial situation.

Frequently Asked Questions

Does Molina Healthcare offer plans in Salt Lake City, Utah?

As of the 2026 plan year, Molina Healthcare does not offer marketplace health insurance plans in Rating Area 3, which includes Salt Lake City, Utah. Residents will need to choose from other confirmed carriers available on HealthCare.gov.

What types of health insurance plans are available in Salt Lake City?

In Salt Lake City, marketplace plans available through HealthCare.gov are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Who qualifies for Medicaid in Utah?

Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for coverage. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

How many health insurance carriers offer plans in Salt Lake City's rating area?

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