Regence BlueCross BlueShield of Utah Health Insurance in Beaver County, Utah

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

Beaver County residents access marketplace plans through HealthCare.gov.
In 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Rating Area 6, which includes Beaver County.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for coverage.
PPO plans are not available on-exchange in Utah; marketplace shoppers choose between HMO and EPO plans.

Finding health insurance in Beaver County, Utah, involves understanding the specific options available through HealthCare.gov, Utah's federal marketplace. While Regence BlueCross BlueShield of Utah is a prominent insurer in the state, marketplace availability varies by geographic rating area. For 2026, residents of Beaver County, which is part of Utah Rating Area 6, will find marketplace plans primarily offered by other confirmed local carriers. This guide will help you navigate your choices, understand plan types, and determine your eligibility for financial assistance or Medicaid.

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.

What Health Insurance Options Are Available in Beaver County?

Residents of Beaver County, Utah, primarily access health insurance through the federal marketplace, HealthCare.gov. This platform allows individuals and families to compare plans, apply for subsidies, and enroll in coverage. In Utah, the available plan types on-exchange are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not offered on the marketplace in Utah, meaning shoppers will choose between the more structured network options of HMOs and EPOs. Utah expanded its Medicaid program in 2020, significantly broadening eligibility for low-income adults. This means individuals and families with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost or no-cost health coverage through Utah Medicaid. Additionally, pregnant women up to 144% FPL and children up to 200% FPL are eligible for Utah Medicaid or the Children's Health Insurance Program (CHIP), respectively. Beaver County, with a population of 7,273 and an uninsured rate of 15.2% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 6. This rating area covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. Due to its rural nature, Beaver County has no acute care hospitals within its boundaries, and residents needing acute medical care typically travel to neighboring counties.

Health Insurance Carriers in Beaver County

When seeking health insurance in Beaver County through HealthCare.gov, it's important to know which carriers offer plans in your specific rating area. For 2026, two carriers offer marketplace plans in Rating Area 6, which covers Beaver County:

Select Health
University of Utah Health Plans

While Regence BlueCross BlueShield of Utah is a well-known insurer in the state, their marketplace plans are not available in Rating Area 6 for the 2026 plan year. Therefore, residents looking for subsidized coverage through the marketplace will choose from plans offered by Select Health and University of Utah Health Plans. These carriers offer a range of HMO and EPO plans, allowing you to select a plan that aligns with your healthcare needs and budget.

Understanding Plan Types: HMO vs. EPO

In Beaver County, your marketplace choices will be between HMO and EPO plans. Understanding the differences is key to making an informed decision:

HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the network who then refers you to specialists. HMOs typically have lower premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside their network.
EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals you can use, but generally do not require a referral from a PCP to see a specialist. Similar to HMOs, EPOs typically do not cover care received outside their network, except in emergencies.

Since PPO plans are not available on the Utah marketplace, comparing the network size, referral requirements, and cost-sharing structures of HMO and EPO plans from Select Health and University of Utah Health Plans will be crucial for Beaver County residents.

Financial Assistance and Medicaid Eligibility in Utah

Many Beaver County residents may qualify for financial assistance to make health insurance more affordable. Subsidies, known as premium tax credits, are available through HealthCare.gov to reduce your monthly premium. Cost-sharing reductions (CSRs) can also lower your out-of-pocket expenses like deductibles, copayments, and coinsurance if you choose a Silver-tier plan and meet income requirements. Utah's expanded Medicaid program is a vital resource for low-income individuals and families.

Adults: If your household income is at or below 138% of the Federal Poverty Level (FPL), you may qualify for comprehensive Utah Medicaid coverage. For a single individual, this threshold is approximately $20,783 annually in 2023.
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for the Utah Children's Health Insurance Program (CHIP).

You can apply for marketplace plans and subsidies, or Utah Medicaid, through HealthCare.gov or the Utah Medicaid portal (medicaid.utah.gov). A licensed agent can help you determine your eligibility for these programs and guide you through the application process.

Frequently Asked Questions

Are Regence BlueCross BlueShield of Utah plans available in Beaver County?

In 2026, Regence BlueCross BlueShield of Utah plans are not listed among the confirmed marketplace carriers for Rating Area 6, which includes Beaver County. Local marketplace options are primarily offered by Select Health and University of Utah Health Plans.

What types of health plans can I find in Beaver County?

For 2026, marketplace plans in Beaver County, Utah, are limited to HMO and EPO network structures. PPO plans are not available on-exchange through HealthCare.gov in Utah. These plans may offer different provider networks and cost-sharing arrangements.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing comprehensive health coverage with no premiums or deductibles.

How much does health insurance cost in Beaver County?

The cost of health insurance in Beaver County varies based on your income, age, plan tier (Bronze, Silver, Gold), and the number of people covered. Subsidies are available through HealthCare.gov for eligible individuals and families to reduce monthly premiums and out-of-pocket costs.