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

Part-Time Health Insurance in Wayne County, Utah

Part-time employment does not affect eligibility for Affordable Care Act (ACA) subsidies or Utah Medicaid.
Utah Medicaid expanded in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
In 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Wayne County (Rating Area 6).
Wayne County, with a population of 2,584, has a low uninsured rate of 4.2% per U.S. Census Bureau ACS 2024 5-year estimates.

If you work part-time in Wayne County, Utah, securing affordable health insurance is entirely possible through HealthCare.gov. Eligibility for federal subsidies and Utah Medicaid is primarily based on your household income, not your employment status. Utah expanded its Medicaid program in 2020, offering coverage to adults earning up to 138% of the Federal Poverty Level (FPL), eliminating the "coverage gap" seen in non-expansion states. For those above Medicaid thresholds, premium tax credits can significantly reduce the cost of marketplace plans.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

Understanding Health Insurance for Part-Time Workers in Wayne County

Part-time workers in Wayne County have access to the same health insurance options as full-time residents, primarily through the Affordable Care Act (ACA) marketplace on HealthCare.gov. The key to affordability is understanding your eligibility for financial assistance. If your employer does not offer health benefits, or if the offered coverage is not considered affordable or comprehensive, you can apply for plans on the marketplace. Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, Preferred Provider Organization (PPO) plans are generally not available on-exchange in Utah. These plans vary in terms of network size, referral requirements, and out-of-pocket costs. All plans cover essential health benefits, including doctor visits, prescription drugs, mental health care, and maternity care. Wayne County, part of Utah Rating Area 6, is one of the state's most rural counties, with a population of just 2,584. Despite its remote nature, residents have access to marketplace plans designed to meet their needs. The county's uninsured rate stands at 4.2%, significantly lower than the national average, per U.S. Census Bureau ACS 2024 5-year estimates.

Utah Medicaid and CHIP for Part-Time Residents

Utah expanded its Medicaid program in 2020, which is a critical resource for many part-time workers in Wayne County. Adults with a household income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This means that individuals and families earning below this threshold can receive free or very low-cost health insurance. Specific income thresholds for other groups include:

Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, providing extensive prenatal, delivery, and postpartum care.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with income up to 200% FPL.

These programs are vital for ensuring that vulnerable populations, including many part-time workers and their families, have access to necessary medical care without significant financial burden. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Wayne County

In 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 designed to fit various budgets and healthcare needs. The confirmed carriers for Wayne County are:

Select Health
University of Utah Health Plans

When comparing plans, it is important to review the network of doctors and hospitals for each carrier to ensure your preferred providers are included. Since Wayne County has no acute care hospitals within its boundaries, residents often travel to a neighboring county for acute care. Therefore, understanding which facilities are in-network for emergency and specialized services is particularly important.

Navigating Plan Options and Costs in Wayne County

Choosing the right health plan as a part-time worker involves evaluating your expected healthcare usage, budget, and preferred provider network. Marketplace plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum.

Metal Tier	Monthly Premium	Deductible	Out-of-Pocket Max	Best For
Bronze	Lowest	Highest	Highest	Healthy individuals who want protection against catastrophic costs.
Silver	Moderate	Moderate	Moderate	Individuals who qualify for Cost-Sharing Reductions (CSRs) or use healthcare moderately.
Gold	High	Low	Low	Those who expect frequent medical care and prefer predictable costs.

If your income falls between 100% and 400% FPL, you may qualify for premium tax credits (subsidies) that lower your monthly premiums. Furthermore, if your income is between 150% and 250% FPL, you may also be eligible for Cost-Sharing Reductions (CSRs) when you choose a Silver plan. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable for eligible individuals. Wayne County's median income is $76,607, and its poverty rate is 10.6%, per U.S. Census Bureau ACS 2024 5-year estimates. These figures indicate that a significant portion of the county's small population may qualify for either Medicaid or substantial marketplace subsidies.

Making Your Health Insurance Decision in Wayne County

For part-time workers in Wayne County, the path to affordable health insurance often depends on your household income.

Below 138% FPL: If your income is at or below 138% of the Federal Poverty Level, you likely qualify for comprehensive Utah Medicaid. This is often the most cost-effective option, providing extensive coverage with minimal or no premiums.
100% to 400% FPL: If your income falls within this range, you are eligible for premium tax credits through HealthCare.gov. These subsidies can significantly reduce your monthly premiums for Bronze, Silver, or Gold plans.
150% to 250% FPL: Within this income band, consider a Silver plan to take advantage of Cost-Sharing Reductions (CSRs). These reduce your out-of-pocket costs, making healthcare more affordable when you need it.
Above 400% FPL: While you won't qualify for federal subsidies, you can still purchase plans through HealthCare.gov. Comparing plans from Select Health and University of Utah Health Plans based on your expected medical needs and network preferences is key.

A licensed health insurance producer can help you navigate these options, understand your eligibility for financial assistance, and compare plans that best fit your situation. Their services are free, and they can provide personalized guidance through the enrollment process.

Frequently Asked Questions

Can I get health insurance if I only work part-time in Wayne County, Utah?

Yes, part-time employment does not prevent you from qualifying for health insurance through HealthCare.gov. You may be eligible for significant subsidies based on your household income, making coverage more affordable. Utah expanded Medicaid in 2020, so adults with income up to 138% of the Federal Poverty Level may also qualify for free or low-cost health coverage.

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

In Utah, adults with household income up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children under CHIP, it's 200% FPL. These programs provide comprehensive, low-cost or free health coverage.

What type of health plans are available on HealthCare.gov in Wayne County?

In Wayne County, Utah, marketplace plans available through HealthCare.gov primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Preferred Provider Organization (PPO) plans are not available on-exchange in Utah. Two carriers, Select Health and University of Utah Health Plans, offer plans in Rating Area 6, which includes Wayne County.

How do subsidies work for part-time health insurance?

If your household income is between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits (subsidies) to lower your monthly insurance premiums. Individuals with income between 150% and 250% FPL may also qualify for cost-sharing reductions (CSRs) on Silver plans, which reduce out-of-pocket costs like deductibles and copays.