Part-Time Health Insurance in Moab, Utah

Part-time workers in Moab, Utah can access comprehensive health insurance through HealthCare.gov.
Individuals with incomes up to 138% of the Federal Poverty Level (FPL), approximately $20,783 annually for 2026, may qualify for Utah Medicaid.
Marketplace plans in Moab are offered by 2 carriers, Select Health and University of Utah Health Plans, exclusively as HMO and EPO options.
Subsidies are available to significantly reduce monthly premiums for individuals and families earning up to 400% FPL, making coverage more affordable.

Navigating health insurance options as a part-time worker in Moab, Utah, can seem challenging, but robust solutions are available through the Affordable Care Act (ACA) marketplace, HealthCare.gov, and Utah's expanded Medicaid program. You do not need a full-time job to secure quality health coverage. Many part-time residents of Moab find affordable plans by leveraging federal subsidies, known as Premium Tax Credits, which can drastically lower monthly premiums. These subsidies are available to individuals and families earning up to 400% of the Federal Poverty Level (FPL). Understanding your eligibility for these programs is the first step toward finding a plan that fits your budget and healthcare needs.

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What Health Insurance Options Are Available for Part-Time Workers in Moab?

Part-time workers in Moab primarily have two pathways to health insurance coverage: the ACA marketplace (HealthCare.gov) and Utah Medicaid. Your eligibility and the cost of coverage will largely depend on your household income and family size.

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

ACA Marketplace Plans (HealthCare.gov)

For most part-time workers, the ACA marketplace is the primary source of affordable health insurance. Through HealthCare.gov, you can compare plans from various private insurance companies and apply for financial assistance.

Premium Tax Credits: These subsidies reduce your monthly premium. They are available to individuals and families with incomes between 100% and 400% of the FPL. For 2026, 400% FPL is approximately $60,320 for an individual.
Cost-Sharing Reductions (CSRs): If your income is between 100% and 250% FPL, you may also qualify for CSRs, which lower your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.
Plan Tiers: Marketplace plans are categorized into Bronze, Silver, Gold, and Platinum tiers, based on how you and your plan share costs. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket costs. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions.
Plan Types: In Utah, marketplace shoppers in Moab will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO plans are not available on-exchange in Utah, meaning your choice is between HMO and EPO network structures.

Utah Medicaid

Utah expanded Medicaid in 2020, significantly broadening eligibility. If your income is below a certain threshold, you may qualify for free or low-cost health coverage through Utah Medicaid.

Adults: Adults with incomes up to 138% of the Federal Poverty Level (FPL) qualify for Utah Medicaid. For an individual in 2026, this threshold is roughly $20,783 annually.
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, which is a specific extension above the standard adult line. This coverage includes comprehensive prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP).

You can apply for Utah Medicaid through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Moab

For 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers provide a range of HMO and EPO plans for Moab residents:

Select Health
University of Utah Health Plans

When choosing a plan, it's essential to compare not only premiums but also deductibles, copayments, and the network of doctors and hospitals.

Understanding Costs and Subsidies for Part-Time Workers

The actual cost of health insurance in Moab will vary based on your income, age, family size, and the plan you choose. However, federal subsidies can significantly reduce your out-of-pocket expenses.

2026 Federal Poverty Level (FPL)	Individual Annual Income (Approx.)	Potential Eligibility
Below 138% FPL	Up to $20,783	Utah Medicaid (free or very low cost)
100% - 250% FPL	$15,080 - $37,700	Significant Premium Tax Credits + Cost-Sharing Reductions (on Silver plans)
251% - 400% FPL	$37,701 - $60,320	Premium Tax Credits (reduces monthly premiums)
Above 400% FPL	Above $60,320	Full-price marketplace plans (no subsidies)

Moab, with a population of 5,312 and an uninsured rate of 14.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Grand County, which has no acute care hospitals within its boundaries. This means residents needing acute care typically travel to neighboring counties. The median income in Moab is $61,667, and the poverty rate is 15.9%, indicating a significant portion of the population may benefit from subsidies or Medicaid.

Steps to Secure Health Insurance in Moab

Whether you're new to part-time work or seeking better coverage, here’s how to proceed:

Estimate Your Income: Accurately estimate your household income for the upcoming year. This is crucial for determining your eligibility for subsidies or Utah Medicaid.
Visit HealthCare.gov: Create an account and fill out an application. The system will automatically check your eligibility for both marketplace subsidies and Utah Medicaid.
Compare Plans: If you qualify for subsidies, compare the available HMO and EPO plans from Select Health and University of Utah Health Plans. Pay attention to premiums, deductibles, and out-of-pocket maximums. Remember to consider Silver plans for potential Cost-Sharing Reductions if your income qualifies.
Enroll: Select the plan that best meets your needs and budget.
Consider Professional Help: A licensed health insurance producer can help you understand your options, compare plans, and complete the enrollment process at no additional cost to you.

Frequently Asked Questions

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

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

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 2026, this means an individual earning approximately $20,783 or less annually could be eligible.

What types of health plans are available on the marketplace in Moab, Utah?

Moab residents shopping on HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

How do I apply for health insurance subsidies in Moab?

Subsidies, known as Premium Tax Credits, are automatically calculated and applied when you enroll through HealthCare.gov. You'll need to provide accurate income and household information during the application process to determine your eligibility.