Health Insurance for Part-Time Workers in Taylorsville, Utah

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

Part-time workers in Taylorsville, Utah, can access subsidized health insurance through HealthCare.gov.
Utah Medicaid is available for adults with incomes up to 138% of the Federal Poverty Level (FPL), approximately $20,782 for a single person in 2024.
In 2026, 5 confirmed carriers offer marketplace plans in Rating Area 3, which includes Taylorsville.
ACA subsidies (Premium Tax Credits) significantly reduce monthly premiums for individuals and families earning up to 400% FPL or more, depending on benchmark plan cost.

If you work part-time in Taylorsville, Utah, finding affordable health insurance is a key concern, especially if your employer doesn't offer benefits or their plans are too expensive. The good news is that you have robust options for comprehensive coverage through the Affordable Care Act (ACA) marketplace, HealthCare.gov, and potentially through Utah Medicaid. Depending on your income and household size, you could qualify for substantial financial assistance that makes monthly premiums very manageable, even with part-time earnings. Understanding these options is the first step toward securing the coverage you need in Taylorsville.

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Understanding Your Health Insurance Options as a Part-Time Worker

For part-time employees in Taylorsville, the primary avenues for health insurance are HealthCare.gov and Utah Medicaid. Your eligibility and the level of financial assistance you receive depend largely on your household income relative to the Federal Poverty Level (FPL).

HealthCare.gov and ACA Subsidies

The federal marketplace, HealthCare.gov, is where individuals and families can shop for ACA-compliant health plans. Many part-time workers will qualify for Premium Tax Credits (subsidies) that lower the cost of monthly premiums. These subsidies are available to households with incomes between 100% and 400% of the FPL. For those whose income exceeds 400% FPL, subsidies may still be available if the cost of the benchmark plan exceeds 8.5% of their household income. The lower your income within these ranges, the larger the subsidy you'll receive, often making plans very affordable. Beyond premium assistance, many individuals with incomes up to 250% FPL also qualify for Cost-Sharing Reductions (CSRs). These are only available with Silver-tier plans and reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance, making healthcare more accessible when you need it.

Utah Medicaid Eligibility

Utah expanded its Medicaid program in 2020. This means that adults, including part-time workers in Taylorsville, may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. For a single individual, this threshold is approximately $20,782 annually based on 2024 FPL guidelines, which determine eligibility for 2025/2026 coverage. Utah Medicaid provides comprehensive health benefits with little to no cost for premiums, deductibles, or copayments. It covers doctor visits, hospital stays, prescription drugs, mental health services, and more. Applying for Utah Medicaid is done through the state's Medicaid portal.

Plan Types Available on the Utah Marketplace

When shopping on HealthCare.gov in Utah, you will primarily find two types of plans:

HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the plan's network, who then refers you to specialists. HMOs often have lower monthly premiums and out-of-pocket costs.
EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals you can use without needing a referral from a PCP. However, they generally do not cover out-of-network care except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are generally not available on-exchange in Utah. Your marketplace choice will typically be between HMO and EPO network structures.

Health Insurance Carriers in Taylorsville

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Residents of Taylorsville, located in Salt Lake County, can choose from plans offered by these confirmed providers:

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

Each carrier offers a range of plans across different metal tiers (Bronze, Silver, Gold), providing choices to fit various budgets and healthcare needs. When comparing plans, consider not just the monthly premium but also the deductible, copayments, coinsurance, and the network of doctors and hospitals.

Navigating Your Choices in Taylorsville

Choosing the right health plan as a part-time worker in Taylorsville involves assessing your income, health needs, and budget. Taylorsville, with a population of 58,678 and an uninsured rate of 12.0% (per U.S. Census Bureau ACS 2024 5-year estimates), offers diverse options within Utah Rating Area 3. This rating area is served by major health systems such as University of Utah Hospital and Clinics and Intermountain Medical Center, both located in Salt Lake County, ensuring access to comprehensive care. Here’s a simplified guide to help you make a decision:

If your income is below 138% FPL: You will likely qualify for Utah Medicaid. This is typically your most comprehensive and lowest-cost option. Apply through the Utah Medicaid portal (medicaid.utah.gov).
If your income is between 100% and 250% FPL: You are eligible for significant Premium Tax Credits and Cost-Sharing Reductions (CSRs) if you enroll in a Silver plan. Enhanced Silver plans offer the best value, with lower deductibles and copayments in addition to reduced premiums.
If your income is between 250% and 400% FPL: You will qualify for Premium Tax Credits to lower your monthly premiums. Consider Silver or Gold plans based on your expected healthcare usage.
If your income is above 400% FPL: You may still qualify for Premium Tax Credits if the cost of the benchmark plan exceeds 8.5% of your income. Evaluate Bronze, Silver, and Gold plans carefully, balancing premiums with potential out-of-pocket costs.

Remember that a licensed health insurance producer can help you navigate these options, compare plans, and determine your eligibility for financial assistance at no cost to you.

Frequently Asked Questions

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

Yes, part-time workers in Taylorsville can purchase health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making plans more affordable than employer-sponsored options or even Medicaid if your income is below 138% of the Federal Poverty Level.

What are the income limits for Utah Medicaid for part-time workers?

Utah expanded Medicaid in 2020. Adults in Taylorsville with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive, low-cost coverage. For a single individual, this is approximately $20,782 per year for 2024 FPL figures (which impact 2025/2026 eligibility).

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

In Utah, the marketplace primarily offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. PPO (Preferred Provider Organization) plans are generally not available on-exchange in Utah. These network types influence how you access doctors and specialists.

How do ACA subsidies work for part-time workers?

ACA subsidies, known as Premium Tax Credits, reduce your monthly premium. Eligibility is based on household income (between 100% and 400% FPL for most; higher for those with income above 400% FPL who still spend more than 8.5% of income on the benchmark plan). The less you earn, the larger your subsidy. These are applied directly at enrollment.