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

Regence BlueCross BlueShield of Utah Health Insurance in Moab, Utah

Q: 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 can qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

Regence BlueCross BlueShield of Utah does not offer marketplace plans in Moab, Utah's Rating Area 6 for the 2026 plan year.
Moab residents can choose from 2 confirmed carriers: Select Health and University of Utah Health Plans, via HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
Moab, part of Grand County, has a population of 5,312 and an uninsured rate of 14.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Moab, Utah, requires understanding which carriers and plan types are available through HealthCare.gov, the federal marketplace for Utah. While you may be searching for Regence BlueCross BlueShield of Utah, current data for the 2026 plan year indicates that this carrier does not offer plans in Moab's specific rating area. Instead, residents of Moab will find health insurance options from other confirmed carriers. This guide will detail the available plans, how to enroll, and key considerations for securing coverage in Moab.

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What Health Insurance Plans Are Available in Moab, Utah?

For 2026, health insurance plans in Moab, Utah, are offered through the federal marketplace, HealthCare.gov. Moab falls within 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 this rating area, marketplace shoppers will primarily find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO plans are generally not available on-exchange in Utah. Both HMO and EPO plans utilize networks of doctors and hospitals, but EPOs typically do not require a referral from a primary care physician to see a specialist, while HMOs usually do. All plans offered through HealthCare.gov are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits, including preventive care, prescription drugs, emergency services, and maternity care.

Health Insurance Carriers in Moab

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which includes Moab. While the article title reflects a common search query for Regence BlueCross BlueShield of Utah, it is important to confirm local availability. For the 2026 plan year, Regence BlueCross BlueShield of Utah does not offer plans on the HealthCare.gov marketplace in Moab, Utah. The confirmed carriers providing ACA-compliant plans in Moab's Rating Area 6 are:

Select Health
University of Utah Health Plans

When selecting a plan, consider each carrier's network of doctors and facilities to ensure your preferred providers are included. You can compare specific plans and their benefits directly on HealthCare.gov.

Understanding Costs and Subsidies in Moab

The cost of health insurance in Moab varies based on the plan's metal tier (Bronze, Silver, Gold), your age, and whether you qualify for financial assistance. Many Moab residents are eligible for subsidies, which can significantly reduce monthly premiums and out-of-pocket costs. These subsidies come in two forms:

Premium Tax Credits (PTCs): These reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These reduce your deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver-tier plans and are for individuals and families with incomes up to 250% FPL.

Utah expanded Medicaid in 2020 via a ballot initiative (Proposition 3). This means adults with incomes up to 138% FPL may qualify for Utah Medicaid, providing comprehensive, low-cost coverage. For pregnant women, the income threshold is 144% FPL, and for children through the Children's Health Insurance Program (CHIP), it's 200% FPL. If your income falls within these ranges, applying for Medicaid or CHIP through medicaid.utah.gov may be your best option. Moab, part of Grand County, has a population of 5,312 and a median household income of $61,667, with a poverty rate of 15.9% and an uninsured rate of 14.6%, per U.S. Census Bureau ACS 2024 5-year estimates. Grand County itself, with a population of 9,754, has an uninsured rate of 10.9%. These figures highlight the importance of affordable health coverage options for many residents.

Choosing the Right Plan in Moab

Selecting the right health insurance plan involves evaluating your healthcare needs, budget, and preferred providers. Here are key factors to consider:

Plan Type: Decide between an HMO or EPO plan based on your preference for referrals and network flexibility.
Metal Tier:
- Bronze: Lowest premiums, highest out-of-pocket costs. Good for those who expect minimal healthcare use or want catastrophic coverage.
- Silver: Moderate premiums and out-of-pocket costs. Best value for those eligible for Cost-Sharing Reductions (CSRs).
- Gold: Higher premiums, lower out-of-pocket costs. Suitable for those who expect to use healthcare services frequently.
Network: Check if your doctors, specialists, and the nearest hospitals are in the plan's network. Grand County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for acute care. It is crucial to confirm network coverage for facilities you might use outside Moab.
Prescription Drugs: Ensure your necessary medications are covered and understand their cost under the plan's formulary.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and University of Utah Health Plans, verify subsidy eligibility, and navigate the enrollment process on HealthCare.gov. Their assistance is free of charge.

Frequently Asked Questions

Are Regence BlueCross BlueShield of Utah plans available in Moab for 2026?

For the 2026 plan year, Regence BlueCross BlueShield of Utah does not offer marketplace plans in Moab, Utah. Residents in Moab's Rating Area 6 can choose from plans offered by Select Health and University of Utah Health Plans on HealthCare.gov.

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

In Moab, Utah, marketplace plans available through HealthCare.gov primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are generally not available on-exchange in Utah, so your choice will be between HMOs and EPOs.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid in 2020 via Proposition 3. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women can qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

How do I apply for health insurance in Moab?

You can apply for health insurance in Moab through HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event. You can also get free assistance from a licensed health insurance producer to help with the application process.