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

Part-Time Health Insurance Options in Kaysville, Utah

Part-time employment does not prevent you from qualifying for Affordable Care Act (ACA) subsidies through HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
In 2026, four carriers offer marketplace plans in Kaysville's Rating Area 3, providing HMO and EPO options.
Kaysville, with a population of 33,053, has a low uninsured rate of 3.4%, per U.S. Census Bureau ACS 2024 5-year estimates.

If you work part-time in Kaysville, Utah, you have several robust options for obtaining health insurance, primarily through the federal marketplace at HealthCare.gov. Your eligibility for financial assistance, such as premium tax credits and cost-sharing reductions, is determined by your household income and family size, not by the number of hours you work. For 2026, residents of Kaysville, which is part of Davis County, can choose from various plans that offer comprehensive coverage. It's crucial to understand your income level relative to the Federal Poverty Level (FPL) to determine if you qualify for subsidies or Utah Medicaid.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

How Do ACA Subsidies Work for Part-Time Workers in Kaysville?

The Affordable Care Act (ACA) offers financial assistance to make health insurance more affordable for individuals and families, including those working part-time. If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that lower your monthly insurance payments. These credits are paid directly to your insurer, reducing your out-of-pocket costs. Additionally, if your income is between 100% and 250% FPL, you might also be eligible for cost-sharing reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums, making healthcare more accessible. For example, a single individual earning between approximately $15,060 and $60,240 in 2026 (100-400% FPL) would likely qualify for significant premium tax credits. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. Kaysville's median income is $133,026 per U.S. Census Bureau ACS 2024 5-year estimates, but many part-time workers will find their income well within the subsidy eligibility range.

What If My Part-Time Income Is Very Low?

Utah expanded its Medicaid program in 2020, a critical difference from some other states. This means that if your household income is below 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid, regardless of your employment status. For a single individual in 2026, this threshold is approximately $20,782 per year. Utah Medicaid provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. Pregnant women in Utah may qualify for Medicaid with incomes up to 144% FPL, and children can qualify for CHIP with incomes up to 200% FPL. If you believe your income is within these ranges, applying for Utah Medicaid through medicaid.utah.gov is often the most cost-effective option.

Understanding Health Plan Types Available in Kaysville

When selecting a health plan in Kaysville through HealthCare.gov, you will primarily encounter two types of network structures:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network and obtain referrals from your PCP to see specialists. HMOs often have lower monthly premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO) Plans: EPO plans also have a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. However, they typically will not cover care received outside their network, except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on the HealthCare.gov marketplace in Utah. If you prefer a PPO plan, you would need to explore off-marketplace options, which are not eligible for federal subsidies.

Health Insurance Carriers in Kaysville

For 2026, four carriers offer marketplace health plans in Kaysville, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans designed to meet diverse needs and budgets. The confirmed local carriers for Rating Area 3 are:

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

These carriers offer plans across different metal tiers—Bronze, Silver, Gold, and Platinum—each designed to cover a different percentage of your healthcare costs. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower costs when you need care. Kaysville, a city within Davis County, Utah, has a population of 33,053 and a median age of 32.4 years, per U.S. Census Bureau ACS 2024 5-year estimates. The city's uninsured rate stands at 3.4%, significantly lower than the county's 5.7%. Davis County itself, with 370,924 residents, is served by four acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful.

Making Your Decision: Next Steps for Part-Time Health Coverage

Choosing the right health insurance plan as a part-time worker in Kaysville depends heavily on your household income and anticipated healthcare needs. Here’s a general guide:

If your income is below 138% FPL (approx. $20,782 for a single individual in 2026): Apply for Utah Medicaid. This is typically your most comprehensive and lowest-cost option.
If your income is between 100% and 250% FPL (approx. $15,060 - $37,650 for a single individual in 2026): Explore Silver plans on HealthCare.gov. You'll likely qualify for both premium tax credits and cost-sharing reductions, making Silver plans a strong value.
If your income is above 250% FPL: Consider all metal tiers (Bronze, Silver, Gold). Bronze plans offer the lowest premiums for catastrophic coverage, while Gold plans provide more predictable costs with higher monthly payments. Use premium tax credits to lower your monthly cost on any marketplace plan.

A licensed health insurance producer can help you navigate these options, compare plans from BridgeSpan Health Company, Select Health, and other local carriers, and ensure you receive all eligible financial assistance. Their assistance is free of charge.

Frequently Asked Questions

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

Yes, individuals working part-time in Kaysville can purchase health insurance through HealthCare.gov. Eligibility for premium tax credits and cost-sharing reductions is based on household income, not employment status or hours worked.

What is the income limit for Utah Medicaid for part-time workers?

In Utah, adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual in 2026, this threshold is approximately $20,782 per year. This program provides comprehensive health coverage at little to no cost.

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

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Kaysville. Shoppers will find HMO and EPO network plans from carriers like BridgeSpan Health Company and Select Health. PPO plans may be available off-marketplace without subsidies.

How does my part-time income affect ACA subsidies?

Your part-time income directly impacts the amount of premium tax credits you receive. The lower your income (within 100-400% FPL), the larger your subsidy will generally be, reducing your monthly premium. Higher income within this range means lower subsidies.