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

Molina Health Insurance Options in Salt Lake County, Utah

Molina Health does NOT offer marketplace health insurance plans in Salt Lake County, Utah, for the 2026 plan year.
Salt Lake County is part of Rating Area 3, which has 5 confirmed carriers offering plans on HealthCare.gov.
Utah expanded Medicaid in 2020, allowing adults with income up to 138% of the Federal Poverty Level to qualify.
Marketplace plans in Utah are limited to HMO and EPO network types; PPO plans are not available on-exchange.

Residents of Salt Lake County, Utah, seeking health insurance through HealthCare.gov for the 2026 plan year will find a range of options, but Molina Health is not among the carriers offering plans in this region. While Molina Health may operate in other areas or offer different types of coverage, for marketplace plans in Salt Lake County's Rating Area 3, consumers will need to consider other providers. This article outlines the available carriers, plan types, and financial assistance options for individuals and families in Salt Lake County, ensuring you understand how to secure coverage that fits your needs.

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Which Health Insurance Carriers Serve Salt Lake County?

For the 2026 plan year, Molina Health does not offer marketplace health insurance plans in Salt Lake County, Utah. Salt Lake County is situated within Utah Rating Area 3, which also covers Davis, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3 through HealthCare.gov. These carriers provide a variety of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans to residents across the rating area. The confirmed carriers for Salt Lake County's 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

When selecting a plan, it is crucial to review each carrier's specific offerings and network to ensure your preferred doctors and facilities, such as Intermountain Medical Center or University of Utah Hospital and Clinics, are included.

Understanding Plan Types and Networks in Utah

In Utah, the health insurance marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are NOT available on-exchange in Utah. This means that marketplace shoppers in Salt Lake County will choose between HMO and EPO network structures. HMO plans typically require you to select a primary care provider (PCP) within the plan's network, and you'll need a referral from your PCP to see specialists. EPO plans also require you to stay within their network for covered services, but they generally do not require a PCP referral for specialist visits. Both plan types emphasize in-network care, and out-of-network services are usually not covered, except in emergencies. Many of Salt Lake County's 10 hospitals, including St Mark's Hospital and Holy Cross Hospital - Salt Lake, participate in various carrier networks.

Medicaid and Financial Assistance in Salt Lake County

Utah expanded Medicaid in 2020 via a ballot initiative, a significant difference from some other states. This means that adults in Salt Lake County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical safety net for many residents. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL can qualify for Utah CHIP (Children's Health Insurance Program). Applications for Utah Medicaid can be submitted through medicaid.utah.gov. For those with incomes above the Medicaid threshold but below 400% FPL, significant financial assistance in the form of premium tax credits (subsidies) is available through HealthCare.gov. These subsidies can substantially reduce your monthly premium costs. Additionally, individuals with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) if they choose a Silver-tier plan. CSRs lower your deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you use it.

Making Your Health Plan Decision in Salt Lake County

Choosing the right health insurance plan involves evaluating your healthcare needs, budget, and preferred providers. Since Molina Health is not an option in Salt Lake County's marketplace, you will compare plans from BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Consider these steps:

Assess Your Healthcare Needs: If you have chronic conditions, anticipate needing specialist care, or have a preferred hospital like Intermountain Health Alta View Hospital, ensure the plan's network includes those providers.
Estimate Costs: Compare monthly premiums, deductibles, copayments, and out-of-pocket maximums across different metal tiers (Bronze, Silver, Gold). Remember that higher premiums often mean lower out-of-pocket costs when you receive care.
Check for Subsidies: Use HealthCare.gov to determine if you qualify for premium tax credits or Cost-Sharing Reductions based on your household income and size. These can significantly impact your effective costs.
Understand Networks: As only HMO and EPO plans are available, familiarize yourself with their rules regarding primary care providers and referrals.

Salt Lake County's 1,196,523 residents, with a median income of $97,494 and an uninsured rate of 9.2% (per U.S. Census Bureau ACS 2024 5-year estimates), have diverse needs. It's important to find a plan that balances affordability with access to care. Many residents utilize the extensive healthcare infrastructure, including facilities like Holy Cross Hospital-jordan Valley and Primary Children's Hospital, when selecting their coverage.

Frequently Asked Questions

Can I get Molina Health insurance through HealthCare.gov in Salt Lake County, Utah?

No, Molina Health does not offer marketplace health insurance plans in Salt Lake County, Utah, for the 2026 plan year. Residents in Rating Area 3, which includes Salt Lake County, can choose from five other confirmed carriers on HealthCare.gov.

What are the income limits for Utah Medicaid in Salt Lake County?

Utah expanded Medicaid in 2020. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify. For a single individual, this is approximately $20,783 per year in 2024. Higher thresholds apply for pregnant women (144% FPL) and children (200% FPL) through Utah Medicaid and CHIP.

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

In Salt Lake County, marketplace plans available through HealthCare.gov are exclusively Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not offered on-exchange in Utah. These plans typically require you to choose a primary care provider and stay within a specific network for covered services.

How do I apply for health insurance in Salt Lake County?

You can apply for health insurance through HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event (such as marriage, birth of a child, or loss of other coverage). You can also apply for Utah Medicaid at any time through medicaid.utah.gov.

What is Salt Lake County's health insurance Rating Area?

Salt Lake County is part of Utah Rating Area 3. This rating area also encompasses Davis, Summit, Tooele, and Wasatch counties. Health insurance premiums and plan availability are determined at the rating area level by carriers.