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

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

Regence BlueCross BlueShield of Utah is not confirmed to offer marketplace plans in Millard County for 2026.
In 2026, 2 carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Millard County's Rating Area 6.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.
Millard County, with a population of 13,315, has an uninsured rate of 11.5%, which is close to the state average.

Navigating health insurance options in Millard County, Utah, involves understanding local carrier availability and state-specific rules. For the 2026 plan year, residents seeking coverage through HealthCare.gov will primarily choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. While Regence BlueCross BlueShield of Utah is a prominent insurer in the state, their plans are not currently confirmed to be available on the marketplace in Utah Rating Area 6, which includes Millard County. Instead, local residents will find options from other confirmed carriers. Understanding your eligibility for subsidies and Medicaid is crucial for making an informed decision about your health coverage in this rural Utah county.

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What Carriers Offer Marketplace Plans in Millard County for 2026?

For the 2026 plan year, Millard County is part of Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In 2026, 2 carriers offer marketplace plans in Rating Area 6:

Select Health
University of Utah Health Plans

It is important to note that while Regence BlueCross BlueShield of Utah is a major insurer in the state, their plans are not listed among the confirmed marketplace offerings for Rating Area 6 in 2026. Consumers should always verify plan availability specific to their ZIP code on HealthCare.gov.

Understanding Plan Types and Utah Medicaid in Millard County

When shopping for health insurance on HealthCare.gov in Millard County, you will encounter two primary plan types: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). Unlike some other states, PPO plans are generally not available on-exchange in Utah. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPO plans offer more flexibility in choosing specialists but usually do not cover out-of-network care. Utah expanded Medicaid in 2020, significantly impacting eligibility for low-income residents. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This means that individuals earning between 100% and 138% FPL, who in non-expansion states might fall into a coverage gap, are eligible for comprehensive, low-cost health coverage through Utah Medicaid. Pregnant women in Utah may qualify for Medicaid with incomes up to 144% FPL, and children can receive coverage through Utah CHIP with household incomes up to 200% FPL. These programs provide essential healthcare services, including prenatal care, labor and delivery, and postpartum care for eligible pregnant individuals. You can apply for Utah Medicaid through the state's Medicaid portal at medicaid.utah.gov.

Financial Assistance and Subsidies for Millard County Residents

Many Millard County residents qualify for financial assistance to make health insurance more affordable. Premium tax credits, also known as subsidies, are available through HealthCare.gov to help lower your monthly premiums. Additionally, if your income is below 250% of the Federal Poverty Level, you may be eligible for Cost-Sharing Reductions (CSRs), which reduce your deductibles, copayments, and out-of-pocket maximums. These subsidies are only available for plans purchased through HealthCare.gov. Your eligibility for these savings depends on your household income and size. For example, a single person earning up to approximately $58,320 per year in 2026 could qualify for premium tax credits, with CSRs available at lower income levels. It is crucial to accurately report your income and household information when applying on HealthCare.gov to ensure you receive all the financial help you are entitled to.

Local Healthcare Landscape in Millard County

Millard County, part of Utah Rating Area 6, is one of Utah's more rural areas, with a population of 13,315 and an uninsured rate of 11.5% per U.S. Census Bureau ACS 2024 5-year estimates. The median age in the county is 34.4 years, and the median household income is $73,639. Millard County has no acute care hospitals within its boundaries, meaning residents needing acute care services typically travel to neighboring counties. This makes understanding your plan's network and out-of-county coverage particularly important for residents.

Making the Right Choice for Health Insurance in Millard County

Choosing the best health insurance plan in Millard County depends on your specific needs, budget, and health status. Consider the following factors:

Budget: Evaluate your monthly premium costs versus potential out-of-pocket expenses (deductibles, copays, coinsurance). Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs.
Network: Understand the provider networks for Select Health and University of Utah Health Plans. Since there are no acute care hospitals in Millard County, ensure the plan covers facilities in neighboring counties you may need to access.
Medication Needs: Check the formulary (covered drug list) to ensure your prescriptions are covered.
Subsidies: If eligible, factor in premium tax credits and Cost-Sharing Reductions, which can significantly reduce your costs.

If your income is below 138% FPL, explore Utah Medicaid options first. For those above that threshold, HealthCare.gov is the primary avenue for subsidized coverage.

Frequently Asked Questions

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

For the 2026 plan year, Regence BlueCross BlueShield of Utah plans are not among the carriers confirmed to offer marketplace plans in Utah Rating Area 6, which includes Millard County. Residents should check HealthCare.gov for the most current and specific plan availability for their ZIP code.

What types of health insurance plans are available in Millard County, Utah?

On the HealthCare.gov marketplace in Millard County, you can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are generally not available on-exchange in Utah.

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. Pregnant women may qualify up to 144% FPL, and children through CHIP up to 200% FPL.

How can I get help choosing a health plan in Millard County?

A licensed health insurance producer can provide free, unbiased assistance. They can help you compare plans, understand subsidies, and enroll in coverage that meets your needs and budget. Simply fill out the form on this page to get started.