Regence BlueCross BlueShield of Utah Health Insurance in Herriman, UT
- Regence BlueCross BlueShield of Utah is one of 5 health insurance carriers offering marketplace plans in Herriman's Rating Area 3 for 2026.
- Herriman residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
- Utah expanded Medicaid in 2020, meaning adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify, with pregnant women covered up to 144% FPL.
- The uninsured rate in Herriman is 2.8%, significantly lower than Salt Lake County's 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
For residents of Herriman, Utah, seeking health insurance, Regence BlueCross BlueShield of Utah is a prominent option available on the federal marketplace, HealthCare.gov. Along with four other carriers, Regence BlueCross BlueShield of Utah offers a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans designed to meet diverse healthcare needs. These plans are available with potential subsidies for individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level, helping to make coverage more affordable. Understanding your plan type options and subsidy eligibility is key to finding the right coverage in Herriman.
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 Plans Are Available in Herriman Through Regence BlueCross BlueShield of Utah?
In Herriman, Utah, Regence BlueCross BlueShield of Utah provides a variety of health insurance plans through HealthCare.gov. In Utah, marketplace shoppers choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not available on-exchange in Utah. Regence BlueCross BlueShield of Utah offers plans across the metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs.
- Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are best suited for individuals who expect to use healthcare services infrequently or who want protection against catastrophic medical costs.
- Silver Plans: Offering a moderate balance of premiums and out-of-pocket costs, Silver plans are particularly beneficial for those who qualify for Cost-Sharing Reductions (CSRs). CSRs can significantly lower your deductible, copayments, and out-of-pocket maximums, making Silver plans a strong value for eligible individuals and families.
- Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans come with lower deductibles and out-of-pocket maximums. They are ideal for individuals who anticipate needing regular medical care, prescription drugs, or have chronic conditions, as more costs are covered upfront.
- Platinum Plans: These plans have the highest monthly premiums but the lowest deductibles and out-of-pocket costs, covering a higher percentage of medical expenses. Platinum plans are suitable for those who expect extensive medical care and prefer predictable costs.
When selecting a plan from Regence BlueCross BlueShield of Utah, consider your expected healthcare usage, budget, and the network of doctors and hospitals. Herriman, with a population of 59,346, is part of Salt Lake County, which has 10 acute care hospitals, including Holy Cross Hospital - Salt Lake and Intermountain Medical Center, ensuring a wide range of medical facilities are accessible within the county.
Understanding Subsidies and Utah Medicaid in Herriman
Affordability is a key factor in choosing health insurance, and Herriman residents have access to financial assistance through HealthCare.gov. These subsidies, known as premium tax credits, can significantly reduce your monthly insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL).
For individuals and families in Herriman, if your income falls between 100% and 400% of the FPL, you are likely eligible for premium tax credits. These credits can be applied directly to your monthly premiums, lowering your out-of-pocket cost. Additionally, those with incomes between 100% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver-tier plan. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, providing extra financial protection.
Utah expanded Medicaid in 2020 through a ballot initiative. This means that adults in Herriman with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. For pregnant women, the eligibility threshold is higher, up to 144% FPL, covering prenatal care, labor and delivery, and postpartum care. Uninsured children in households up to 200% FPL may qualify for Utah CHIP. This expanded eligibility ensures that more Herriman residents have access to essential healthcare services, unlike states without Medicaid expansion. You can apply for Utah Medicaid through medicaid.utah.gov.
Health Insurance Carriers in Herriman
Herriman is located within Utah Rating Area 3, which encompasses Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3, providing a competitive selection for Herriman residents. These carriers offer a variety of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in Utah. The confirmed carriers for this rating area are:
- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
When comparing plans, it's important to consider not only the monthly premium but also the deductible, copayments, coinsurance, and the network of doctors and hospitals. Salt Lake County, the parent county for Herriman, is home to a robust healthcare infrastructure with 10 hospitals, including major systems like Holy Cross Hospital - Salt Lake, Lds Hospital, and University of Utah Hospital and Clinics, offering extensive options for medical care. The uninsured rate in Herriman is 2.8%, considerably lower than the 9.2% uninsured rate for Salt Lake County, per U.S. Census Bureau ACS 2024 5-year estimates.
Making Your Health Insurance Decision in Herriman
Choosing the right health insurance plan in Herriman involves evaluating your household income, expected healthcare needs, and preferred provider networks. The process begins on HealthCare.gov, where you can compare plans from Regence BlueCross BlueShield of Utah and other local carriers.
- If your income is below 138% FPL: You may qualify for Utah Medicaid. This provides comprehensive, low-cost coverage.
- If your income is between 100% and 250% FPL: You are likely eligible for both premium tax credits and Cost-Sharing Reductions (CSRs). Enroll in a Silver plan to maximize the benefits of CSRs, which will lower your out-of-pocket costs.
- If your income is between 250% and 400% FPL: You are eligible for premium tax credits to reduce your monthly premiums. You can choose any metal tier (Bronze, Silver, Gold, Platinum) based on your budget and anticipated healthcare usage.
- If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a marketplace plan. Consider Bronze or Silver plans for lower premiums, or Gold/Platinum if you expect high medical costs and prefer lower out-of-pocket expenses.
A licensed health insurance producer can provide personalized guidance, helping you navigate the options and enroll in a plan that best fits your specific situation and budget, all at no additional cost to you.