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

Regence BlueCross BlueShield of Utah Health Insurance in Centerville, UT

Regence BlueCross BlueShield of Utah offers health insurance plans for 2026 in Centerville, UT through HealthCare.gov.
Centerville residents can choose between HMO and EPO plan types; PPO plans are not available on the Utah marketplace.
In 2026, 4 carriers, including Regence BlueCross BlueShield of Utah, offer marketplace plans in Rating Area 3, which covers Centerville.
Centerville's uninsured rate is 4.5%, below the Davis County average of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.

For Centerville, Utah residents seeking health insurance for 2026, Regence BlueCross BlueShield of Utah provides a range of plans available through the federal marketplace, HealthCare.gov. As a major carrier in Utah's Rating Area 3, Regence BlueCross BlueShield of Utah offers options designed to meet diverse needs, primarily featuring Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. Understanding your plan choices and potential financial assistance is key to securing affordable coverage in Centerville.

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 Regence BlueCross BlueShield of Utah Plan Types in Centerville

In Utah, the health insurance marketplace operates through HealthCare.gov, and for residents of Centerville, the available plan types from Regence BlueCross BlueShield of Utah, as well as other carriers, are limited to HMO and EPO options. Unlike some other states, PPO plans are not available on-exchange in Utah for the 2026 plan year. This means Centerville shoppers will choose between the coordinated care of an HMO, which typically requires selecting a primary care provider and getting referrals for specialists, or an EPO, which allows more flexibility to see specialists without a referral, as long as they are within the plan's network. It is important to review the specific network and provider directory of any plan from Regence BlueCross BlueShield of Utah to ensure your preferred doctors and hospitals are covered.

Who Qualifies for Financial Assistance in Centerville?

Many Centerville residents may qualify for financial assistance to lower their health insurance costs. Subsidies, in the form of premium tax credits and cost-sharing reductions, are available through HealthCare.gov based on household income and size.

Premium Tax Credits: These credits reduce your monthly premium payment. They are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): Available with Silver-tier plans, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. You may qualify if your income is between 100% and 250% FPL.

Utah expanded Medicaid in 2020, meaning adults in Centerville with incomes up to 138% FPL may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for lower-income individuals. For example, a single adult with an income of $20,120 (138% FPL for 2024) would likely qualify for Utah Medicaid. Pregnant women with incomes up to 144% FPL and children up to 200% FPL for CHIP also have specific eligibility thresholds.

Health Insurance Carriers in Centerville

For 2026, residents of Centerville, Utah, which is part of Rating Area 3, have a choice of plans from 4 confirmed carriers on HealthCare.gov. Regence BlueCross BlueShield of Utah is one of these carriers, offering competitive options. The other carriers available in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, include:

BridgeSpan Health Company
Select Health
University of Utah Health Plans

When choosing a plan from Regence BlueCross BlueShield of Utah or any other carrier, it's advisable to compare plan types (HMO or EPO), network coverage, deductibles, copayments, and overall out-of-pocket maximums to find the best fit for your healthcare needs and budget.

Healthcare Facilities Serving Centerville Residents

Centerville is located in Davis County, which is home to several acute care hospitals that serve the region. These facilities are important considerations when selecting a health plan from Regence BlueCross BlueShield of Utah, as network access to these hospitals can impact your out-of-pocket costs and access to care. Major hospitals in Davis County include Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Centerville, with a population of 16,679 and an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from these local healthcare resources.

Making Your Health Insurance Decision in Centerville

Choosing the right health insurance plan in Centerville involves understanding your income, health needs, and the specific plan offerings.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov.
If your income is 100% to 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions. Consider a Silver plan from Regence BlueCross BlueShield of Utah or another carrier to maximize your subsidies.
If your income is 250% to 400% FPL: You are eligible for premium tax credits. Compare Bronze, Silver, Gold, and Platinum plans to find the best balance of monthly premium and out-of-pocket costs.
If your income is above 400% FPL: You will pay the full premium, but can still enroll in an ACA-compliant plan through HealthCare.gov.

A licensed health insurance producer can provide free, personalized assistance to help you navigate these options, compare plans from Regence BlueCross BlueShield of Utah and other carriers, and enroll in coverage that meets your specific needs.

Frequently Asked Questions

What types of Regence BlueCross BlueShield of Utah plans are available in Centerville?

In Centerville, Regence BlueCross BlueShield of Utah offers health plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah for the 2026 plan year.

Can I get financial help for a Regence BlueCross BlueShield of Utah plan in Centerville?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions to lower your monthly premiums and out-of-pocket costs on HealthCare.gov.

Does Utah Medicaid cover Centerville residents?

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

How many health insurance carriers offer plans in Centerville?

For the 2026 plan year, 4 health insurance carriers, including Regence BlueCross BlueShield of Utah, offer marketplace plans in Rating Area 3, which includes Centerville and other surrounding counties.