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

Regence BlueCross BlueShield of Utah Health Insurance in Cedar City, Utah

Regence BlueCross BlueShield of Utah plans are NOT available on the HealthCare.gov marketplace in Cedar City for the 2026 plan year.
Cedar City residents in Rating Area 5 can choose from 3 confirmed marketplace carriers: Molina Healthcare, Select Health, and University of Utah Health Plans.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
Utah has expanded Medicaid, covering adults up to 138% of the Federal Poverty Level, and pregnant women up to 144% FPL.

If you are searching for Regence BlueCross BlueShield of Utah health insurance plans in Cedar City, it is important to know that these plans are not currently offered on the HealthCare.gov marketplace in your area for the 2026 plan year. Cedar City, located in Iron County, is part of Utah Rating Area 5. While Regence BlueCross BlueShield of Utah is a prominent insurer in the state, marketplace availability is specific to rating areas. However, residents of Cedar City still have multiple options for comprehensive, subsidy-eligible health coverage through other carriers on the federal marketplace. Understanding your local choices and eligibility for financial assistance is key to finding the right plan.

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What Health Insurance Options Are Available in Cedar City?

For residents of Cedar City and Iron County, health insurance plans for 2026 are purchased through the federal HealthCare.gov marketplace. As PPO plans are not available on-exchange in Utah, consumers will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. These plans cover essential health benefits, including prescription drugs, mental health services, and maternity care. The availability of plans and specific carriers is determined by your rating area, which for Cedar City is Rating Area 5.

Understanding Utah's Expanded Medicaid Program

Unlike some states, Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing comprehensive, low-cost health coverage. For pregnant women, the income threshold for Utah Medicaid is even higher, extending coverage up to 144% FPL, which includes prenatal care, labor and delivery, and postpartum support. Children in households up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP). If your income falls within these ranges, exploring Medicaid or CHIP through medicaid.utah.gov should be your first step.

Health Insurance Carriers in Cedar City

While Regence BlueCross BlueShield of Utah plans are not offered on the marketplace in Cedar City, residents still have competitive choices. In 2026, 3 carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties. These carriers provide a range of HMO and EPO plans across different metal tiers (Bronze, Silver, Gold) to suit various budgets and healthcare needs. The confirmed marketplace carriers for Cedar City (Rating Area 5) are:

Molina Healthcare
Select Health
University of Utah Health Plans

Each of these carriers offers plans designed to meet the Essential Health Benefits requirements of the Affordable Care Act, ensuring access to necessary medical care. When comparing plans, consider factors like network size, prescription drug formularies, and overall out-of-pocket costs beyond just the monthly premium.

Navigating Your Health Plan Choices in Cedar City

Choosing the right health plan in Cedar City involves evaluating your healthcare needs, budget, and eligibility for financial assistance. The federal marketplace, HealthCare.gov, is the primary platform for purchasing individual and family health insurance plans in Utah.

Cedar City, part of Utah Rating Area 5, is served by the single acute care facility, Cedar City Hospital. The city has a population of 38,524, with an uninsured rate of 9.9%, per U.S. Census Bureau ACS 2024 5-year estimates. Iron County, with a population of 62,252 and an uninsured rate of 10.3%, provides a broader context for healthcare access. Understanding these local demographics, combined with your personal situation, is crucial for making an informed decision about your health coverage.

Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through Utah’s Medicaid portal.
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits (subsidies) to lower your monthly premiums on HealthCare.gov plans. Those between 150% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) when choosing a Silver plan, which lowers deductibles, copayments, and out-of-pocket maximums.
If your income is above 400% FPL: You can still purchase plans on HealthCare.gov at full price. You may also explore off-marketplace plans directly through carriers, though these do not qualify for subsidies.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Molina Healthcare, Select Health, and University of Utah Health Plans, and determine your eligibility for financial assistance, all at no cost to you.

Frequently Asked Questions

Are Regence BlueCross BlueShield of Utah health plans available in Cedar City?

No, Regence BlueCross BlueShield of Utah plans are not available on the HealthCare.gov marketplace in Cedar City or the surrounding Iron County area (Rating Area 5) for the 2026 plan year. Residents of Cedar City have other options from carriers confirmed to serve Rating Area 5.

Which health insurance carriers offer plans in Cedar City, Utah?

For 2026, three carriers offer marketplace plans in Rating Area 5 (which includes Cedar City and Iron County): Molina Healthcare, Select Health, and University of Utah Health Plans. These carriers provide HMO and EPO plan types.

What type of health plans can I buy on HealthCare.gov in Utah?

In Utah, the HealthCare.gov marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, meaning your marketplace choice is between HMO and EPO network structures.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid in 2020. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women with income up to 144% FPL and children through CHIP up to 200% FPL also qualify.