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

Part-Time Health Insurance in Tooele, Utah

Part-time workers in Tooele can access subsidies through HealthCare.gov if their income is between 100% and 400% FPL (approx. $15,060 - $60,240 for an individual in 2026).
Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL (approx. $20,783 for an individual in 2026) eligible for comprehensive coverage.
In 2026, four carriers — BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans — offer marketplace plans in Tooele's Rating Area 3.
Marketplace plans in Utah consist of HMO and EPO networks; PPO plans are not available on-exchange.

If you work part-time in Tooele, Utah, finding affordable health insurance is a critical step to ensure your well-being. The good news is that you have several strong options, primarily through the federal marketplace at HealthCare.gov and Utah's expanded Medicaid program. You may qualify for significant financial assistance, regardless of whether your employer offers benefits or if you are entirely self-funded. The key is understanding your income relative to the Federal Poverty Level (FPL) and exploring the plans available in Rating Area 3, which serves Tooele and neighboring counties.

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How to Find Affordable Plans in Tooele if You Work Part-Time

For part-time workers in Tooele, the primary pathway to affordable health insurance is through HealthCare.gov. This federal marketplace offers plans from private insurers and is the only place where you can receive Advance Premium Tax Credits (APTCs), commonly known as subsidies, to lower your monthly premiums. These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For 2026, this generally means a single person earning between approximately $15,060 and $60,240 could qualify. Utah expanded its Medicaid program in 2020. This means that if your part-time income is below 138% of the FPL (approximately $20,783 for an individual in 2026), you may qualify for Utah Medicaid. This program provides comprehensive health coverage with little to no cost, covering a wide range of medical services, including doctor visits, hospital stays, prescription drugs, and mental health care. Eligibility for Medicaid is continuous throughout the year, so you can apply at any time if your income changes or you meet other criteria.

Understanding Your Health Plan Options in Tooele

When you shop for health insurance on HealthCare.gov in Tooele, you'll choose from various plan categories, or "metal tiers," each offering a different balance of monthly premium costs and out-of-pocket expenses:

Bronze plans: These have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for people who want protection against catastrophic medical costs and don't expect to use much routine care.
Silver plans: These plans offer moderate premiums and moderate out-of-pocket costs. They are particularly valuable for part-time workers with lower incomes because Cost-Sharing Reductions (CSRs) can significantly reduce your deductibles, copayments, and coinsurance. You must enroll in a Silver plan to receive CSRs if your income is below 250% FPL.
Gold plans: With higher monthly premiums, Gold plans offer lower deductibles and out-of-pocket maximums. They are suitable if you anticipate needing regular medical care and prefer to pay more upfront for more predictable costs when you use services.

It is important to note that in Utah, marketplace plans are offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. PPO plans are not available on HealthCare.gov in this state. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility but still require you to stay within the network for coverage.

Utah Medicaid and CHIP for Tooele Residents

Utah's Medicaid expansion in 2020, through Proposition 3, significantly broadened access to health coverage. Adults in Tooele County with incomes up to 138% of the Federal Poverty Level can qualify for full Medicaid benefits. This is a crucial safety net for many part-time workers who may have fluctuating incomes or lower wages. For pregnant women in Tooele, Utah Medicaid offers coverage up to 144% FPL, providing essential prenatal, delivery, and postpartum care. This threshold is specific to pregnancy and extends coverage slightly beyond the standard adult Medicaid line. Uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP), ensuring that young residents have access to necessary medical services. Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Tooele

Tooele is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3. These carriers provide a range of HMO and EPO options for part-time residents seeking coverage:

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

When selecting a plan, consider not only the premium but also the network of doctors and hospitals. Tooele County is served by Mountain West Medical Center, an acute care hospital located in Tooele. Ensure your chosen plan includes your preferred local providers and facilities.

Making Your Health Insurance Decision in Tooele

Navigating your health insurance options as a part-time worker in Tooele depends heavily on your income and specific health needs. Here's a guide to help you decide:

If your income is below 138% FPL (approx. $20,783 for an individual): You are likely eligible for Utah Medicaid. This is typically the most comprehensive and lowest-cost option. Apply directly through medicaid.utah.gov.
If your income is between 100% and 250% FPL (approx. $15,060 - $37,650 for an individual): You qualify for significant premium subsidies and Cost-Sharing Reductions (CSRs). Enroll in a Silver plan on HealthCare.gov to maximize the benefits of CSRs, which will lower your deductibles, copayments, and out-of-pocket maximums.
If your income is between 250% and 400% FPL (approx. $37,650 - $60,240 for an individual): You qualify for premium subsidies. Compare Bronze, Silver, and Gold plans on HealthCare.gov to find the best balance of monthly costs and out-of-pocket expenses for your expected healthcare usage.
If your income is above 400% FPL: You can still purchase plans on HealthCare.gov, but you won't qualify for subsidies. Consider the full range of metal tiers and assess your anticipated medical needs against the premiums and cost-sharing of each plan.

Tooele, with a population of 38,405 and an uninsured rate of 6.8% (per U.S. Census Bureau ACS 2024 5-year estimates), offers accessible options for its part-time workforce. Whether you're seeking robust coverage for regular medical needs or a high-deductible plan for catastrophic protection, the marketplace provides choices tailored to various budgets and preferences. A licensed health insurance agent can help you understand these options and enroll in a plan that meets your needs at no cost to you.

Frequently Asked Questions

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

Yes, individuals working part-time in Tooele, Utah can purchase health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making coverage much more affordable. Utah Medicaid is also an option for those with incomes up to 138% of the Federal Poverty Level.

How do subsidies work for part-time workers in Utah?

Subsidies, officially called Advance Premium Tax Credits (APTCs), are available to help lower your monthly premiums if your household income is between 100% and 400% of the Federal Poverty Level (FPL). For 2026, a single person earning between approximately $15,060 and $60,240 could qualify for these tax credits, reducing out-of-pocket costs for marketplace plans.

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

Utah expanded Medicaid in 2020, so adults with incomes up to 138% of the Federal Poverty Level (FPL) can qualify. For a single individual in 2026, this means an income of approximately $20,783 or less. If your part-time income falls within this range, Utah Medicaid offers comprehensive, low-cost coverage.

Are PPO plans available on HealthCare.gov in Tooele?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Tooele. Marketplace shoppers in Rating Area 3 will find a choice of HMO and EPO plans. PPO plans may be available off-exchange, but without subsidy eligibility.