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

Part-Time Health Insurance in Herriman, Utah

Part-time workers in Herriman can access subsidized health plans through HealthCare.gov.
Utah expanded Medicaid in 2020, offering coverage to adults with incomes up to 138% of the Federal Poverty Level (FPL).
In 2026, 5 carriers offer marketplace plans in Herriman's Rating Area 3, providing HMO and EPO options.
Herriman's uninsured rate is 2.8%, significantly lower than Salt Lake County's 9.2%.

If you work part-time in Herriman, Utah, finding affordable health insurance is entirely possible, even if your employer doesn't offer benefits. The Affordable Care Act (ACA) marketplace, accessed through HealthCare.gov, is the primary avenue for individuals to secure comprehensive coverage. You may qualify for significant financial assistance, known as premium tax credits, which can substantially reduce your monthly health insurance costs. Additionally, Utah's expanded Medicaid program provides a crucial safety net for adults with lower incomes, including many part-time employees, covering individuals up to 138% of the Federal Poverty Level (FPL). Understanding these options can help you navigate the process and choose a plan that fits your budget and healthcare needs.

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How Do Part-Time Workers Qualify for ACA Subsidies in Herriman?

Eligibility for premium tax credits and cost-sharing reductions on HealthCare.gov depends on your household income relative to the Federal Poverty Level (FPL). As a part-time worker in Herriman, your income likely falls within the range where these subsidies make marketplace plans highly affordable. For 2026, individuals with incomes between 100% and 400% FPL qualify for premium tax credits. These credits can be applied directly to your monthly premiums, lowering your out-of-pocket costs. For example, an individual earning $30,000 per year (approximately 200% FPL) would pay a significantly reduced premium for a Silver plan. Cost-sharing reductions (CSRs) are also available for those earning up to 250% FPL, further reducing deductibles, copayments, and out-of-pocket maximums, but these benefits are only accessible when you enroll in a Silver-tier plan. It is important to accurately report your estimated annual income to HealthCare.gov to ensure you receive the correct amount of financial assistance.

Utah Medicaid for Part-Time Employees

Utah expanded Medicaid in 2020 via Proposition 3, meaning that adults, including part-time workers, with household incomes up to 138% FPL are eligible for comprehensive coverage. For a single individual in 2026, this threshold would be approximately $20,783 annually. If your income falls below this level, you may qualify for Utah Medicaid, which offers robust coverage with little to no out-of-pocket costs. This is a critical distinction from states that have not expanded Medicaid, where individuals in this income bracket might fall into a coverage gap. You can apply for Utah Medicaid directly through the state's Medicaid portal.

What Types of Health Plans Are Available in Herriman?

For part-time residents of Herriman seeking health insurance through HealthCare.gov, the marketplace offers two primary types of plans: Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, so your choice will be between HMO and EPO network structures. HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. They generally have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers outside their network. EPO (Exclusive Provider Organization): EPO plans offer more flexibility than HMOs, allowing you to see specialists without a referral, but you must still stay within the plan's network for coverage. Going out-of-network generally means you pay the full cost, except in emergencies. Both HMO and EPO plans provide the ten essential health benefits mandated by the ACA, including preventive care, prescription drugs, emergency services, and maternity care.

Health Insurance Carriers in Herriman

Residents of Herriman, located in Salt Lake County, are part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3, providing a range of choices for part-time workers:

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

These carriers offer plans across the Bronze, Silver, Gold, and Platinum metal tiers, allowing you to select a plan that balances monthly premiums with out-of-pocket costs. For instance, a Bronze plan will have lower monthly premiums but higher deductibles, while a Gold plan will have higher premiums but lower out-of-pocket costs when you need care.

Choosing the Right Plan: Decision Points for Part-Time Workers

Navigating health insurance options as a part-time worker involves considering your income, health needs, and budget. Here's a guide to help you make an informed decision:

Your Situation	Recommended Action / Plan Type	Key Benefits
Income below 138% FPL (approx. $20,783 for an individual in 2026)	Apply for Utah Medicaid	Comprehensive coverage, no premiums, low or no out-of-pocket costs, covers essential health benefits.
Income between 100% and 250% FPL (approx. $15,060 - $37,650 for an individual in 2026)	Enroll in a Silver plan on HealthCare.gov with premium tax credits and Cost-Sharing Reductions (CSRs)	Significant premium subsidies, reduced deductibles, copays, and out-of-pocket maximums. Excellent value.
Income between 250% and 400% FPL (approx. $37,650 - $60,240 for an individual in 2026)	Enroll in any metal-tier plan on HealthCare.gov with premium tax credits	Substantial premium subsidies available across Bronze, Silver, Gold, and Platinum plans. Choose based on preferred cost-sharing.
Income above 400% FPL (above approx. $60,240 for an individual in 2026)	Enroll in any metal-tier plan on HealthCare.gov (without subsidies) or explore off-marketplace plans	Access to comprehensive plans, but you pay full premium. Off-marketplace plans may offer more network flexibility.
Limited income, generally healthy, want catastrophic coverage	Consider a Bronze or Catastrophic plan (if under 30 or qualify for hardship exemption)	Lower monthly premiums, high deductibles. Covers preventive care and major medical emergencies after deductible.

Herriman, Utah, with a population of 59,346 and a median age of 29.8 years, has a notably low uninsured rate of 2.8%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is significantly lower than the 9.2% uninsured rate for Salt Lake County as a whole, which also features major medical facilities like University of Utah Hospital and Clinics and Holy Cross Hospital - Salt Lake. The availability of robust marketplace options and expanded Medicaid likely contributes to this high rate of coverage. Working with a licensed health insurance producer can simplify this process. They can help you compare plans, understand subsidy eligibility, and enroll in the best option for your unique situation, all at no cost to you.

Frequently Asked Questions

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

Yes, part-time workers in Herriman can secure comprehensive health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making plans more affordable.

What are my options for affordable health insurance as a part-time employee in Utah?

Your primary options include marketplace plans on HealthCare.gov, where you can receive tax credits to lower your premiums, and Utah Medicaid if your income is below 138% of the Federal Poverty Level (FPL). You can also explore short-term plans or off-marketplace options, though these typically don't offer subsidies.

Does Utah Medicaid cover part-time workers?

Yes, Utah expanded Medicaid in 2020. Adults, including part-time workers, with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive Utah Medicaid coverage. This is a critical option for many part-time individuals.

Are PPO plans available for part-time workers on the Utah marketplace?

No, PPO plans are not available on-exchange in Utah. Marketplace shoppers in Herriman will choose between HMO and EPO network structures. PPOs may be available off-marketplace, but typically without subsidy eligibility.