Part-Time Health Insurance in Murray, Utah

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

Part-time workers in Murray can access subsidized health insurance through HealthCare.gov, with subsidies available for incomes above 100% FPL.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
In 2026, 5 carriers offer marketplace plans in Murray's Rating Area 3, providing a range of HMO and EPO options.
Cost-Sharing Reductions (CSRs) on Silver plans can significantly lower deductibles and copayments for individuals earning up to 250% FPL.

If you work part-time in Murray, Utah, and your employer doesn't offer health benefits, or the coverage is too expensive, you have clear and affordable options for comprehensive health insurance. The Affordable Care Act (ACA) marketplace, HealthCare.gov, provides access to plans with significant financial assistance, making coverage accessible regardless of your employment status. You may qualify for premium tax credits that lower your monthly payments, and potentially Cost-Sharing Reductions (CSRs) if your income falls within certain thresholds, which reduce your out-of-pocket expenses. Utah's expanded Medicaid program also offers a crucial safety net for those with lower incomes.

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Understanding Your Health Insurance Options as a Part-Time Worker in Murray

For part-time employees in Murray, health insurance typically falls into one of three main categories: marketplace plans, Utah Medicaid, or private off-exchange plans. The best option for you will depend on your household income, family size, and specific health needs.

Marketplace Plans (HealthCare.gov)

The primary avenue for most part-time workers is HealthCare.gov. Here, you can compare plans from various private insurance companies and apply for financial assistance.

Premium Tax Credits (Subsidies): These reduce your monthly premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL). For 2026, individuals with incomes between 100% and 400% FPL can typically qualify for premium subsidies.
Cost-Sharing Reductions (CSRs): These are available to individuals with incomes between 100% and 250% FPL who enroll in a Silver-tier plan. CSRs reduce your deductible, copayments, and out-of-pocket maximums, making healthcare services more affordable when you need them.

In Utah, the marketplace choice for shoppers is between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO plans are not available on-exchange in Utah, so you will select a plan with an HMO or EPO structure.

Utah Medicaid

Utah expanded Medicaid in 2020, making it a vital option for many low-income residents, including part-time workers. Adults with household incomes up to 138% FPL qualify for Utah Medicaid. This means comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. For example, an individual earning up to approximately $20,782 per year (based on 2024 FPL for a single person) would qualify. Utah Medicaid also covers pregnant women with income up to 144% FPL and children through CHIP up to 200% FPL. You can apply through Utah's Medicaid portal at medicaid.utah.gov.

Private Off-Exchange Plans

While less common for those who qualify for subsidies, you can also purchase health insurance directly from an insurance carrier outside of HealthCare.gov. These plans are not eligible for federal subsidies, so you would pay the full premium yourself. These plans might be suitable for individuals who earn too much to qualify for subsidies but prefer specific plan features or provider networks not available on the marketplace.

Local Health Insurance Landscape in Murray, Utah

Murray, Utah, located in Salt Lake County, is part of Utah Rating Area 3. This rating area covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3, providing residents with a competitive selection of options. These carriers are:

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

These carriers offer a range of plans across different metal tiers (Bronze, Silver, Gold), allowing you to choose a plan that balances monthly premiums with out-of-pocket costs. Murray, with a population of 50,188 and an uninsured rate of 7.1% (per U.S. Census Bureau ACS 2024 5-year estimates), benefits from these diverse plan offerings, ensuring that part-time residents have access to robust coverage options. For context, the broader Salt Lake County has a population of 1,196,523 with an uninsured rate of 9.2%. Salt Lake County is home to 10 acute care hospitals, including Intermountain Medical Center, located directly in Murray. Other major facilities in the county include University of Utah Hospital and Clinics, Lds Hospital, and St Mark's Hospital, all in Salt Lake City. These institutions represent a wide network of healthcare providers and specialists available to residents.

Choosing the Right Plan: Income and Subsidies

Your income is the most significant factor in determining which health insurance option is best for you as a part-time worker. Here's a breakdown of how different income levels typically translate to coverage options:

Income Level (as % FPL)	Coverage Options	Key Benefits
Below 138% FPL	Utah Medicaid	Free or very low-cost comprehensive coverage. No premiums, minimal out-of-pocket costs.
100% - 250% FPL	Marketplace Plans (HealthCare.gov)	Significant Premium Tax Credits and Cost-Sharing Reductions (CSRs) on Silver plans. Lower premiums, deductibles, and copayments.
251% - 400% FPL	Marketplace Plans (HealthCare.gov)	Premium Tax Credits available to reduce monthly premiums. No CSRs, so out-of-pocket costs are standard for the chosen metal tier.
Above 400% FPL	Marketplace Plans (HealthCare.gov) or Private Off-Exchange Plans	No federal subsidies. Full premium paid. Can choose any marketplace plan or an off-exchange option.

For part-time workers in Murray, taking advantage of the subsidies offered through HealthCare.gov can make a substantial difference in the affordability of health insurance. Even if your income fluctuates, the marketplace allows for reporting changes, which can adjust your subsidies throughout the year.

Next Steps for Part-Time Workers in Murray

Navigating health insurance options can seem daunting, but it doesn't have to be. Here's how you can proceed:

Estimate Your Income: Accurately estimate your household income for the upcoming year. This is crucial for determining your eligibility for Utah Medicaid or marketplace subsidies.
Explore HealthCare.gov: Visit HealthCare.gov during Open Enrollment (typically November 1 - January 15) to browse plans and apply for financial assistance. If you've had a Qualifying Life Event (QLE) like losing previous coverage or moving, you might be eligible for a Special Enrollment Period outside of Open Enrollment.
Consider Metal Tiers: Understand the difference between Bronze, Silver, and Gold plans. Bronze plans have lower premiums but higher out-of-pocket costs; Gold plans have higher premiums but lower out-of-pocket costs. Silver plans offer a balance and are the only tier eligible for Cost-Sharing Reductions.
Check Medicaid Eligibility: If your income is below 138% FPL, apply for Utah Medicaid directly through medicaid.utah.gov.

A licensed health insurance producer can provide personalized guidance, help you compare plans, and ensure you receive all the subsidies you're eligible for. Their services are typically free to you.

Frequently Asked Questions

Can I get health insurance if I work part-time in Murray, Utah?

Yes, absolutely. If you work part-time and do not receive health benefits from an employer, you can enroll in a plan through HealthCare.gov. You may qualify for significant subsidies to reduce your monthly premiums and out-of-pocket costs, making comprehensive coverage affordable.

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

In Utah, adults with household incomes up to 138% of the Federal Poverty Level (FPL) qualify for Utah Medicaid. For 2024, this means an individual earning up to approximately $20,782 per year or a family of three earning up to approximately $35,225 per year may be eligible for free or low-cost health coverage.

What plan types are available through HealthCare.gov in Murray?

In Murray, Utah, marketplace plans available through HealthCare.gov primarily consist of HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your choice will be between HMO and EPO options.

How does working part-time affect my health insurance costs?

Working part-time often means your income qualifies you for federal subsidies, known as Advance Premium Tax Credits (APTCs), which significantly lower your monthly premiums. The less you earn, the larger your subsidy may be. Additionally, if your income is between 100% and 250% FPL, you may qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which reduce your deductibles, copayments, and out-of-pocket maximums.