Molina Health Insurance Options in Tooele County, Utah

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

Tooele County is part of Utah Rating Area 3, which has four marketplace carriers for 2026.
Marketplace plans in Tooele County are exclusively HMO and EPO; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Approximately 6.1% of Tooele County residents are uninsured, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Tooele County, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace. While this article focuses on Molina Healthcare, it's important to know the full landscape of carriers and plan types that serve Tooele County. For 2026, four carriers offer plans in Rating Area 3, which encompasses Tooele County. Residents will find a range of HMO and EPO plans designed to meet various needs and budgets, with potential financial assistance available through subsidies.

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What Health Plans Are Available in Tooele County?

In Tooele County, residents seeking health insurance through HealthCare.gov will primarily find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your choice will focus on network structures that either require you to select a primary care provider and obtain referrals for specialists (HMOs) or offer a network of providers you can choose from without referrals, but typically without out-of-network coverage (EPOs). These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans typically have the lowest monthly premiums but the highest out-of-pocket costs when you need care. Gold and Platinum plans, conversely, have higher premiums but lower deductibles and out-of-pocket maximums. Silver plans offer a balance and are particularly beneficial for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which further reduce deductibles, copayments, and coinsurance.

Understanding Subsidies and Cost Assistance

Many Tooele County residents qualify for financial assistance, known as premium tax credits, to help lower their monthly health insurance premiums. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). Households with incomes between 100% and 400% FPL are generally eligible. Enhanced subsidies, made permanent under recent legislation, ensure that most eligible households will pay no more than 8.5% of their household income for a benchmark Silver plan. For those with incomes between 100% and 250% FPL, Cost-Sharing Reductions (CSRs) are also available. These reductions are applied directly to Silver plans, making them significantly more valuable by lowering your deductible, copayments, and maximum out-of-pocket costs. It's crucial to select a Silver plan to receive the full benefit of CSRs, as they do not apply to Bronze, Gold, or Platinum plans.

Tooele County, Utah: Local Health Landscape

Tooele County, with a population of 79,347 and a median age of 32.2 years, is part of Utah Rating Area 3. This rating area also covers Davis, Salt Lake, Summit, and Wasatch counties. The county's median income is $106,587, and its poverty rate stands at 5.2%. According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Tooele County is 6.1%, which is lower than the national average. Mountain West Medical Center in Tooele serves as the primary acute care hospital for residents within the county.

Utah Medicaid and CHIP Programs

Utah expanded its Medicaid program in 2020 through a ballot initiative, making a significant difference for low-income residents of Tooele County. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are now eligible for Utah Medicaid. This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring that more individuals have access to comprehensive health coverage. Additionally, Utah Medicaid provides specific coverage for pregnant women with incomes up to 144% FPL, offering prenatal care, labor and delivery, and postpartum support. The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL. Applications for these programs can be submitted through the official Utah Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Tooele County

For the 2026 plan year, four health insurance carriers offer marketplace plans to residents within Tooele County, which falls under Rating Area 3. These carriers provide a range of HMO and EPO options designed to fit diverse healthcare needs and budgets. It is important to compare plans from each carrier based on their specific networks, drug formularies, and cost-sharing structures. The confirmed carriers for Rating Area 3 in 2026 are:

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

When selecting a plan, consider whether your preferred doctors and hospitals, such as Mountain West Medical Center, are in-network with the specific plan you choose. While Molina Healthcare is the focus of this article, it is important to confirm its specific plan offerings and network availability directly on HealthCare.gov for Tooele County.

Making the Right Health Insurance Decision in Tooele County

Choosing the right health insurance plan for your needs in Tooele County requires careful consideration of your income, health needs, and preferred providers. Here's a guide to help you make an informed decision:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This program offers comprehensive coverage with little to no out-of-pocket costs. Apply directly through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits, which can significantly lower your monthly premiums. Consider a Silver plan, especially if your income is between 100% and 250% FPL, to also benefit from Cost-Sharing Reductions that lower your deductibles and copays.
If your income is above 400% FPL: While you may not qualify for subsidies, you can still purchase a plan through HealthCare.gov or directly from a carrier. Focus on the plan's network, deductible, and out-of-pocket maximum to find the best value.

An experienced, licensed health insurance producer can provide personalized guidance, helping you compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, and determine your eligibility for financial assistance. Their services are typically free to you.

Frequently Asked Questions

What types of health plans are available in Tooele County?

In Tooele County, marketplace plans are offered with HMO and EPO network structures. PPO plans are not available on the HealthCare.gov exchange in Utah. You will choose between plans that require you to select a primary care provider and get referrals (HMOs) or plans that allow more flexibility within a specific network (EPOs).

Can I get a subsidy for Molina Healthcare plans in Tooele County?

Yes, if Molina Healthcare offers plans on HealthCare.gov in Tooele County and your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. These subsidies can significantly reduce your monthly premium costs, making coverage more affordable.

What are the income limits for Utah Medicaid in Tooele County?

Utah expanded Medicaid in 2020, allowing adults with household incomes up to 138% of the Federal Poverty Level (FPL) to qualify. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL. Residents of Tooele County who meet these income requirements can apply through the Utah Medicaid portal (medicaid.utah.gov).

How many health insurance carriers offer plans in Tooele County?

For the 2026 plan year, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Tooele County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.