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

Part-Time Health Insurance Options in Davis County, Utah

Part-time employment does not prevent you from getting health insurance; you can qualify for ACA plans or Utah Medicaid.
Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
In 2026, four carriers — including Select Health and Regence BlueCross BlueShield of Utah — offer marketplace plans in Davis County's Rating Area 3.
HealthCare.gov is the federal marketplace for Utah, where you can apply for subsidies to reduce your monthly premiums.

Navigating health insurance as a part-time worker in Davis County, Utah, means you have several viable options for coverage, primarily through HealthCare.gov or Utah's expanded Medicaid program. Unlike full-time employees who might receive employer-sponsored benefits, part-time workers often seek coverage independently. The Affordable Care Act (ACA) marketplace on HealthCare.gov provides access to subsidized plans for those within certain income ranges, while Utah Medicaid offers comprehensive, low-cost coverage for individuals and families with lower incomes. Understanding your household income and family size is key to determining which path offers the most affordable and suitable plan for your needs in Davis County.

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What Are My Health Insurance Options as a Part-Time Worker in Davis County?

As a part-time employee in Davis County, your primary avenues for securing health insurance are the federal marketplace (HealthCare.gov) and Utah Medicaid. These options provide a safety net for individuals who do not receive health benefits from their employers or prefer to explore alternatives. The marketplace offers a range of private insurance plans, often with financial assistance, while Medicaid provides free or very low-cost coverage for eligible individuals and families. It's important to evaluate both based on your income, household size, and specific healthcare needs.

HealthCare.gov: The Federal Marketplace

For many part-time workers, HealthCare.gov is the go-to resource. This federal marketplace allows you to compare plans, apply for subsidies, and enroll in coverage. Plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum), each offering different cost-sharing structures:

Bronze plans: Typically have the lowest monthly premiums but the highest out-of-pocket costs when you use care. They are suitable for those who expect minimal healthcare use or want catastrophic coverage.
Silver plans: Offer a balance between premiums and out-of-pocket costs. Critically, if your income is between 100% and 250% of the Federal Poverty Level (FPL), you may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which significantly lower your deductibles, copayments, and out-of-pocket maximums. This makes Silver plans a strong value for many part-time workers.
Gold and Platinum plans: Have higher monthly premiums but lower costs when you receive medical care. These are often preferred by individuals who anticipate frequent medical needs.

Financial assistance, known as premium tax credits, can significantly reduce your monthly insurance premiums on HealthCare.gov. Eligibility is based on your household income relative to the Federal Poverty Level.

Utah Medicaid and CHIP

Utah expanded its Medicaid program in 2020, making it a crucial option for lower-income part-time workers. Adults with income up to 138% FPL may qualify for comprehensive Utah Medicaid coverage. For a single individual, this means an income of approximately $20,120 per year (based on 2024 FPLs). The program also extends to specific populations:

Pregnant women: Covered with income up to 144% FPL, including prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households with income up to 200% FPL are eligible for the Children's Health Insurance Program (CHIP).

Utah Medicaid is administered through the state's Medicaid portal at medicaid.utah.gov and provides extensive benefits with minimal or no out-of-pocket costs.

How to Qualify for Subsidies and Medicaid in Davis County

Your eligibility for financial assistance on HealthCare.gov or for Utah Medicaid depends on your household's Modified Adjusted Gross Income (MAGI) and the Federal Poverty Level (FPL) guidelines. For 2026 plans, these income thresholds will be based on updated FPL figures, but the general percentages remain consistent.

Davis County, part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties, serves a population of 370,924 with an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. The median household income in Davis County is $110,884, indicating a diverse economic landscape where many part-time workers may find themselves eligible for significant financial assistance.

Estimated 2026 Federal Poverty Level (FPL) Thresholds for Utah (Approximate)
Household Size	100% FPL (Approximate)	138% FPL (Medicaid Max)	250% FPL (CSR & Premium Tax Credit)	400% FPL (Premium Tax Credit)
1	$14,580	$20,120	$36,450	$58,320
2	$19,720	$27,214	$49,300	$78,880
3	$24,860	$34,307	$62,150	$99,440
4	$30,000	$41,400	$75,000	$120,000
These are approximate figures based on 2024 FPL guidelines and are subject to change for 2026.

If your income falls below 138% FPL, you should apply for Utah Medicaid first. If your income is above this threshold but below 400% FPL, you are likely eligible for premium tax credits on HealthCare.gov. Those between 100% and 250% FPL may also qualify for Cost-Sharing Reductions on Silver plans.

Health Insurance Carriers in Davis County

In 2026, four carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. When you shop on HealthCare.gov, you will typically see plans from these providers:

BridgeSpan Health Company: Offers various health plans focused on accessible care.
Regence BlueCross BlueShield of Utah: A long-standing insurer with a wide network of providers.
Select Health: A local Utah-based health plan known for its integrated system with Intermountain Health.
University of Utah Health Plans: Affiliated with the University of Utah Health system, providing plans with access to their academic medical centers and clinics.

These carriers offer plans with HMO and EPO network structures. It is important to note that PPO plans are NOT available on-exchange in Utah; your marketplace choice will be between HMO and EPO options. Always verify that your preferred doctors and hospitals are in-network for any plan you consider.

Davis County Hospitals and Healthcare Access

Davis County is well-served by several acute care hospitals, ensuring residents have access to comprehensive medical services. These facilities are important considerations when choosing a health plan, as network access can impact your out-of-pocket costs and choice of providers. The hospitals located within Davis County include:

Holy Cross Hospital-davis (Layton)
Lakeview Hospital (Bountiful)
Intermountain Health Layton Hospital (Layton)
Western Peaks Specialty Hospital (Bountiful)

When selecting a plan, verify that these hospitals and any specific specialists you need are included in the plan's network, especially for HMO and EPO plans which have more restricted provider lists.

Making Your Decision: Next Steps for Part-Time Coverage

Choosing the right health insurance plan as a part-time worker in Davis County involves assessing your income, healthcare needs, and budget. Here's a guide to help you decide:

If your income is below 138% FPL: Your first step should be to apply for Utah Medicaid through medicaid.utah.gov. This will likely provide the most comprehensive coverage with the lowest costs.
If your income is between 100% and 400% FPL: Explore plans on HealthCare.gov. You will likely qualify for premium tax credits to reduce your monthly premiums. If your income is also below 250% FPL, consider a Silver plan to take advantage of Cost-Sharing Reductions.
If your income is above 400% FPL: You can still purchase plans on HealthCare.gov, but you won't qualify for premium tax credits. You may also explore off-marketplace plans directly from carriers, though these are not eligible for subsidies.

Regardless of your income, it's beneficial to speak with a licensed health insurance producer. They can help you understand your specific eligibility, compare plans from different carriers, and guide you through the enrollment process at no additional cost to you.

Frequently Asked Questions

Can I get health insurance if I work part-time in Davis County?

Yes, part-time employment does not prevent you from enrolling in health insurance. You can qualify for plans through HealthCare.gov, Utah Medicaid, or CHIP, depending on your income and household size. Many part-time workers find affordable options with subsidies on the federal marketplace.

What are the income limits for Utah Medicaid for part-time workers?

In Utah, adults with income 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 via CHIP, it's up to 200% FPL. Income limits are based on your household's modified adjusted gross income (MAGI).

Are PPO plans available on HealthCare.gov in Davis County?

No, PPO plans are not available on the federal marketplace (HealthCare.gov) in Utah. Shoppers in Davis County will find plan options with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPOs may be available off-exchange but would not be eligible for subsidies.

Which health insurance carriers offer plans in Davis County?

For 2026, four carriers offer marketplace plans in Rating Area 3, which includes Davis County: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Plan availability may vary by specific ZIP code within the county.