Part-Time Health Insurance in Price, Utah: Costs & Options
- Part-time workers in Price, Utah, can get comprehensive health insurance through HealthCare.gov, with most qualifying for subsidies.
- Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for low-cost coverage.
- In 2026, four carriers — including Select Health and Regence BlueCross BlueShield of Utah — offer marketplace plans in Rating Area 6.
- Price residents can choose between HMO and EPO plans; PPO plans are not available on the Utah marketplace.
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What Are Your Health Insurance Options as a Part-Time Worker in Price?
For part-time employees in Price, Utah, the primary avenue for affordable health insurance is the Affordable Care Act (ACA) marketplace, accessed via HealthCare.gov. Unlike some states, Utah uses the federal marketplace, simplifying the application process. When you apply, you'll provide income and household information to determine your eligibility for premium tax credits and cost-sharing reductions. In Utah, the marketplace offers 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 will focus on plans that manage care through a defined network of doctors and hospitals. HMOs typically require you to select a primary care provider (PCP) and obtain referrals for specialists, while EPOs offer more flexibility to see specialists within the network without a referral.Understanding Costs and Subsidies in Price, Utah
The cost of health insurance for part-time workers in Price depends heavily on your income, age, and the metal tier of the plan you choose (Bronze, Silver, or Gold). Price, with a population of 8,248 and a median income of $53,203 per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 6. This rating area includes 16 counties, such as Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. The specific location within this rating area and your personal circumstances will influence your premium. Premium tax credits are designed to make coverage affordable. For example, if you are a 30-year-old individual in Price earning $35,000 annually (approximately 250% FPL), you could potentially pay less than $100 per month for a Silver plan after subsidies. Silver plans are particularly beneficial for those with lower incomes because they often come with additional cost-sharing reductions (CSRs) that lower your deductibles, copayments, and out-of-pocket maximums. This means you pay less when you use medical services, making healthcare more accessible. Here's a general idea of how subsidies can impact premiums for a 30-year-old individual in Price, Utah, for a benchmark Silver plan (actual costs vary):| Income Level (Approx. FPL) | Estimated Annual Income | Estimated Monthly Premium (Before Subsidy) | Estimated Monthly Premium (After Subsidy) |
|---|---|---|---|
| 150% FPL | $22,590 | $400 - $600 | $0 - $30 |
| 250% FPL | $37,650 | $400 - $600 | $50 - $100 |
| 350% FPL | $52,710 | $400 - $600 | $150 - $250 |
| 400% FPL | $60,240 | $400 - $600 | $200 - $350 |
Utah Medicaid and CHIP for Price Residents
Unlike some states, Utah expanded Medicaid in 2020 via a ballot initiative (Proposition 3). This means that adults in Price working part-time, including those without dependent children, may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. This program provides comprehensive health benefits with little to no cost. Given that Carbon County has a poverty rate of 17.0% and Price a poverty rate of 17.7% per U.S. Census Bureau ACS 2024 5-year estimates, a significant portion of the part-time workforce may be eligible. For pregnant women in Price, Utah Medicaid offers coverage up to 144% FPL, including prenatal, delivery, and postpartum care. Children in households up to 200% FPL may qualify for Utah's CHIP (Children's Health Insurance Program). Applications for Utah Medicaid can be submitted through medicaid.utah.gov.Health Insurance Carriers in Price
In 2026, 4 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, and Wayne counties. Price residents can choose from plans offered by these confirmed carriers:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Making Your Decision: Next Steps for Part-Time Health Insurance
Choosing the right health insurance plan as a part-time worker in Price involves evaluating your income, health needs, and preferred doctors.- If your income is at or below 138% FPL: You likely qualify for Utah Medicaid. This is typically the most comprehensive and affordable option. Apply directly through the state's Medicaid portal.
- If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits through HealthCare.gov. Consider Silver plans, especially if your income is closer to 150-250% FPL, as they come with extra cost-sharing reductions.
- If your income is above 400% FPL: You can still purchase plans through HealthCare.gov, but you won't qualify for premium tax credits. Compare plans carefully for the best value based on your expected medical use.
Frequently Asked Questions
Can I get health insurance if I work part-time in Price, Utah?
Yes, individuals working part-time in Price, Utah, can purchase health insurance through HealthCare.gov. Many qualify for significant financial assistance, known as premium tax credits, which can lower monthly premiums based on household income and size. These subsidies are available to those earning between 100% and 400% of the Federal Poverty Level.
What are the typical costs for part-time health insurance in Price?
The cost of part-time health insurance in Price, Utah, varies widely depending on your income, age, and the plan's metal tier (Bronze, Silver, Gold). For example, a 30-year-old in Rating Area 6 with an income of $35,000 (around 250% FPL) might pay less than $100 per month for a Silver plan after subsidies, while a higher income could result in higher premiums. Many residents qualify for tax credits that reduce monthly payments.
What types of health plans are available in Price through HealthCare.gov?
In Price, Utah, residents purchasing through HealthCare.gov will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans available. PPO plans are not offered on-exchange in Utah. HMOs typically require you to choose a primary care provider and get referrals for specialists, while EPOs offer more flexibility within a network but usually don't cover out-of-network care.
Does Utah Medicaid cover part-time workers?
Yes, Utah expanded Medicaid in 2020. Adults in Price, Utah, working part-time may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. This provides comprehensive, low-cost or no-cost health coverage. You can apply through Utah's Medicaid portal at medicaid.utah.gov.