Can I get health insurance if I only work part-time in Farmington?

Yes, your part-time employment status does not prevent you from qualifying for health insurance through HealthCare.gov. You can apply for an Affordable Care Act (ACA) plan and may be eligible for significant subsidies to lower your monthly premiums, provided your income is between 100% and 400% of the Federal Poverty Level.

What are my options for low-cost health insurance in Farmington, Utah?

Low-cost options in Farmington include subsidized ACA plans available through HealthCare.gov, especially Silver plans with Enhanced Silver Plan benefits if your income is below 250% FPL. Additionally, Utah expanded Medicaid in 2020, so adults with incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, no-cost or low-cost coverage through Utah Medicaid.

Are PPO plans available on the marketplace in Farmington, Utah?

No, PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. For Farmington residents, the marketplace choice is primarily between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. You can find PPO plans off-exchange, but these typically do not come with federal subsidies.

Health Insurance Options for Part-Time Workers in Farmington, Utah

Part-time employment status alone does not prevent you from qualifying for a health insurance plan through HealthCare.gov.
Utah expanded Medicaid in 2020, offering comprehensive, low-cost coverage to adults with incomes up to 138% of the Federal Poverty Level.
For 2026, four carriers offer marketplace plans in Farmington's Rating Area 3, including Select Health and Regence BlueCross BlueShield of Utah.
ACA subsidies can significantly reduce monthly premiums for individuals and families in Farmington with incomes up to 400% FPL.
On-exchange health plans in Utah are limited to HMO and EPO network structures; PPO plans are not available through HealthCare.gov.

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

If you're a part-time worker in Farmington, Utah, securing affordable health insurance is a key concern, but your employment status does not limit your options for quality coverage. The Affordable Care Act (ACA) marketplace, accessed through HealthCare.gov, provides comprehensive health plans that are often significantly subsidized based on your income. These subsidies can make coverage much more affordable, regardless of whether you work full-time or part-time. Additionally, since Utah expanded Medicaid in 2020, many low-income individuals in Farmington may qualify for free or very low-cost health coverage.

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Understanding Your Health Insurance Options as a Part-Time Worker

For part-time employees in Farmington, several avenues exist for obtaining health insurance. Your primary options typically fall into three categories: marketplace plans with subsidies, Utah Medicaid, or short-term insurance plans.

ACA Marketplace Plans: These plans are available through HealthCare.gov and offer comprehensive benefits, including essential health benefits like prescription drugs, mental health care, and maternity care. Your eligibility for premium tax credits and cost-sharing reductions is based on your household income, not your employment status. Many part-time workers find these plans to be their most robust and affordable option.
Utah Medicaid: Thanks to Medicaid expansion in Utah, adults with incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This program provides comprehensive health coverage with minimal or no out-of-pocket costs, making it a critical safety net for many part-time and low-income individuals and families in Farmington.
Short-Term Health Insurance: These plans offer temporary coverage and are generally much less expensive than ACA plans. However, they do not cover essential health benefits, can deny coverage based on pre-existing conditions, and may have significant limitations on benefits. They are not a substitute for comprehensive coverage but can serve as a stopgap measure for very specific, temporary needs.

ACA Subsidies and Costs for Farmington Residents

The Affordable Care Act (ACA) makes health insurance more accessible and affordable through financial assistance, known as subsidies, available to eligible individuals and families in Farmington. These subsidies come in two forms:

Premium Tax Credits: These credits reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Utah, individuals with incomes between 100% and 400% FPL typically qualify for these credits. For example, a single person earning $30,000 (around 200% FPL) would receive substantial assistance.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You qualify for CSRs if your income is between 100% and 250% FPL. These "Enhanced Silver Plans" offer significantly better benefits than standard Silver plans for the same premium, making them an excellent value for eligible part-time workers.

For 2026, the average monthly premium for a benchmark Silver plan in Utah Rating Area 3 (which includes Farmington) is competitive, with subsidies potentially reducing your net cost to a fraction of the full premium. It's important to compare plans across different metal tiers (Bronze, Silver, Gold) to find the right balance of premium cost and out-of-pocket expenses that fits your budget and health needs.

Utah Medicaid and CHIP Eligibility in Farmington

Utah expanded its Medicaid program in 2020, significantly broadening access to affordable healthcare for many residents, including part-time workers in Farmington. Unlike some other states, Utah does not have a "coverage gap" for adults.

Adults: If your household income is up to 138% of the Federal Poverty Level, you may qualify for comprehensive coverage through Utah Medicaid. This includes a wide range of medical services with little to no cost to you.
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This coverage includes prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP).

Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal (medicaid.utah.gov). A licensed agent can also help you determine your eligibility and guide you through the application process.

Health Insurance Carriers in Farmington

Farmington, home to 25,389 residents, is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. This area is served by four health insurance carriers on HealthCare.gov, including Select Health and University of Utah Health Plans. Davis County, where Farmington is located, has a population of 370,924 and is home to four acute care hospitals, such as Holy Cross Hospital-Davis in Layton, serving the community. In 2026, four carriers offer marketplace plans in Rating Area 3, providing a range of options for part-time workers:

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

It is important to note that on-exchange plans available through HealthCare.gov in Utah are primarily HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO options.

Choosing the Right Plan for Your Situation

Navigating the health insurance landscape as a part-time worker in Farmington involves understanding your income, health needs, and preferred provider network. Here's a guide to help you make an informed decision:

Your Income Level	Recommended Action / Plan Type	Key Benefits
Below 138% FPL	Apply for Utah Medicaid	Comprehensive, low-cost or no-cost coverage; includes essential health benefits.
138% - 250% FPL	Enroll in an Enhanced Silver Plan (with CSRs) via HealthCare.gov	Significant premium subsidies and reduced out-of-pocket costs (deductibles, copays).
250% - 400% FPL	Enroll in any metal-tier plan (Bronze, Silver, Gold) with Premium Tax Credits via HealthCare.gov	Premium subsidies reduce monthly costs; choose plan based on preferred cost-sharing.
Above 400% FPL	Enroll in any metal-tier plan via HealthCare.gov (no subsidies) or consider off-marketplace options	Access to full range of ACA-compliant plans; off-marketplace may offer different PPO choices.

Remember that your specific medical needs, such as chronic conditions or planned procedures, should also influence your choice. A Gold plan, for instance, will have higher premiums but lower out-of-pocket costs when you use care, while a Bronze plan will have lower premiums but higher costs when you need medical services.

Frequently Asked Questions

Can I get a subsidy for health insurance if I work part-time?

Yes, absolutely. Eligibility for ACA subsidies (Premium Tax Credits and Cost-Sharing Reductions) is based on your household income and family size, not on your employment status (full-time or part-time). If your income falls within the eligible range (100-400% FPL for premium tax credits, 100-250% FPL for cost-sharing reductions), you can receive financial assistance to lower your health insurance costs in Farmington.

What is the difference between an HMO and an EPO plan in Utah?

In Utah's marketplace, HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) are common plan types. An HMO typically requires you to choose a primary care physician (PCP) within its network and get referrals to see specialists. An EPO usually does not require a PCP or referrals, but it only covers care from providers within its network (except for emergencies). Neither typically covers out-of-network care, unlike PPO plans which are not available on-exchange in Utah.

Where can I find hospitals covered by marketplace plans in Davis County?

Davis County, where Farmington is located, has four acute care hospitals: Holy Cross Hospital-Davis (Layton), Lakeview Hospital (Bountiful), Intermountain Health Layton Hospital (Layton), and Western Peaks Specialty Hospital (Bountiful). When choosing a marketplace plan, always verify that your preferred hospitals and doctors are within the plan's specific network. You can check provider directories on the carrier's website or through HealthCare.gov.