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

Regence BlueCross BlueShield of Utah Health Insurance Plans in Hurricane, UT

Marketplace plans in Hurricane, Utah, are primarily HMO and EPO network types; PPO plans are not available on-exchange.
In 2026, three carriers, including Molina Healthcare and Select Health, offer plans in Rating Area 5, which covers Washington and Iron counties.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
The uninsured rate in Hurricane is 9.7%, slightly lower than Washington County's 11.1%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Hurricane, Utah, involves understanding both statewide regulations and local plan availability. While Regence BlueCross BlueShield of Utah offers health insurance plans across the state, specific marketplace offerings depend on your location's rating area. In Hurricane, which is part of Utah's Rating Area 5 (covering Washington and Iron counties), you'll find a selection of plans from specific carriers available through HealthCare.gov, the federal marketplace. These plans are designed to provide essential health benefits and often come with financial assistance to make coverage more affordable.

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What Are Your Health Insurance Options in Hurricane, UT?

Residents of Hurricane, Utah, primarily access health insurance through HealthCare.gov. This marketplace offers a range of plans categorized by metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how costs are shared between you and your insurer, with Bronze plans having lower monthly premiums but higher out-of-pocket costs, and Gold/Platinum plans offering higher premiums but lower out-of-pocket expenses. All plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, and maternity care. In Utah, the marketplace choice for shoppers is between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace consumers will select from HMO or EPO plans. Understanding the differences in these network types is crucial for choosing a plan that aligns with your healthcare needs and preferred providers.

Hurricane, a city with a population of 22,771 and a median income of $75,016, is situated in Washington County. In 2026, Rating Area 5, which covers Iron and Washington counties, is served by three health insurance carriers, offering various marketplace plans. The uninsured rate in Hurricane stands at 9.7%, slightly below the Washington County rate of 11.1%, per U.S. Census Bureau ACS 2024 5-year estimates.

Understanding Financial Assistance and Utah Medicaid

Many Hurricane residents qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available through HealthCare.gov:

Premium Tax Credits: If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for tax credits that reduce your monthly premium. These credits can be applied directly to your premium each month.
Cost-Sharing Reductions (CSRs): Individuals with incomes up to 250% FPL who choose a Silver-tier plan may also qualify for CSRs. These reductions lower the amount you pay for deductibles, copayments, and coinsurance, making healthcare more affordable when you use it.

Utah expanded Medicaid in 2020, significantly broadening eligibility. Adults with household 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 that individuals with lower incomes have access to comprehensive health coverage. Additionally, Utah Medicaid covers pregnant women with income up to 144% FPL, and the Children's Health Insurance Program (CHIP) covers uninsured children in households up to 200% FPL. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Hurricane

For 2026, residents of Hurricane, Utah, have access to marketplace health insurance plans from three confirmed carriers in Rating Area 5. These carriers offer a range of HMO and EPO plans to meet diverse healthcare needs. It is important to compare plans from each carrier to find the best fit for your specific situation, considering factors like network doctors, hospitals, and prescription drug coverage. The confirmed carriers offering marketplace plans in Rating Area 5, which includes Washington and Iron counties, are:

Molina Healthcare
Select Health
University of Utah Health Plans

When evaluating plans from these carriers, pay close attention to the specific network of doctors and hospitals. Washington County is served by St. George Regional Hospital in St George, which is an acute care facility. Ensure that any plan you consider includes your preferred providers and covers services at facilities like St. George Regional Hospital.

Making the Right Health Insurance Decision in Hurricane

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you make an informed decision:

Assess Your Income: Determine your household income relative to the Federal Poverty Level. This will indicate your eligibility for premium tax credits, cost-sharing reductions, or Utah Medicaid.
Consider Your Healthcare Needs: If you anticipate frequent doctor visits or have ongoing medical conditions, a Gold or Silver plan with lower out-of-pocket costs might be more economical in the long run, especially if you qualify for CSRs on a Silver plan. If you are generally healthy and prefer lower monthly premiums, a Bronze plan could be suitable.
Review Carrier Networks: Confirm that your preferred doctors, specialists, and facilities like St. George Regional Hospital are in-network for any plan you are considering. Since PPO plans are not available on-exchange in Utah, understanding the HMO and EPO networks is particularly important.
Utilize HealthCare.gov: Use the official marketplace to compare plans, apply for subsidies, and enroll. The platform allows you to filter plans by carrier, metal tier, and network type.

A licensed health insurance producer can provide personalized guidance, help you understand your options, and assist with the enrollment process at no cost to you.

Frequently Asked Questions

What types of health plans are available in Hurricane, Utah?

In Hurricane, Utah, marketplace health insurance plans are offered with HMO and EPO network structures. PPO plans are not available on-exchange in Utah. These plans are available through HealthCare.gov.

Can I get a subsidy for Regence BlueCross BlueShield of Utah plans in Hurricane?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for plans purchased through HealthCare.gov. Cost-sharing reductions are also available to those with incomes up to 250% FPL who choose a Silver plan.

Does Utah have expanded Medicaid?

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

Which carriers offer marketplace plans in Hurricane's Rating Area 5?

For 2026, three carriers offer marketplace health insurance plans in Rating Area 5, which covers Iron and Washington counties. These carriers are Molina Healthcare, Select Health, and University of Utah Health Plans.