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

Health Insurance Plans in Wasatch County, Utah: Select Health & University of Utah Health Plans

In 2026, two carriers, Select Health and University of Utah Health Plans, offer ACA marketplace plans in Wasatch County.
Wasatch County is part of Utah Rating Area 3, which also includes Davis, Salt Lake, Summit, and Tooele counties.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
On-exchange PPO plans are not available in Utah; marketplace shoppers choose between HMO and EPO network types.

Navigating health insurance options in Wasatch County, Utah, involves understanding the specific plans and carriers available through HealthCare.gov. For 2026, residents have choices from two confirmed carriers: Select Health and University of Utah Health Plans. These plans primarily utilize HMO and EPO network structures, as PPO plans are not offered on-exchange in Utah. As an expanded Medicaid state since 2020, Utah offers coverage to adults with incomes up to 138% of the Federal Poverty Level, ensuring more comprehensive access to affordable care. Residents seeking coverage can explore subsidized options on HealthCare.gov or consult with a licensed health insurance producer for personalized assistance.

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What ACA Health Plans Are Available in Wasatch County, Utah?

For 2026, residents of Wasatch County can access health insurance plans through HealthCare.gov, the federal marketplace. Wasatch County is situated within Utah Rating Area 3, a multi-county region that also includes Davis, Salt Lake, Summit, and Tooele counties. The available plans are exclusively Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. Unlike some other states, PPO plans are not offered on-exchange in Utah, meaning marketplace shoppers will select from HMO or EPO options. These plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, and mental health services, with financial assistance available based on income.

Understanding Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020, significantly broadening access to health coverage for lower-income residents. This means that adults in Wasatch County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This expansion eliminates the "coverage gap" that exists in non-expansion states, ensuring that more individuals can receive necessary medical care without facing high out-of-pocket costs. Beyond standard adult coverage, Utah Medicaid also provides specific benefits for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL, providing comprehensive prenatal care, labor and delivery, and postpartum support. Applications can be submitted directly through Utah's Medicaid portal.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to vital health services for the youngest residents.

These programs are crucial safety nets, providing robust health coverage for those who might otherwise struggle to afford care.

Health Insurance Carriers in Wasatch County

In 2026, two carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans designed to meet various needs and budgets. It is important to compare the specific plans, network doctors, and prescription drug formularies offered by each to find the best fit for your healthcare needs. The confirmed local carriers for Wasatch County are:

Select Health
University of Utah Health Plans

When reviewing plan options on HealthCare.gov, you can filter by carrier to see the specific plans each offers, along with details on premiums, deductibles, out-of-pocket maximums, and covered benefits. While this article's slug references Regence BlueCross BlueShield of Utah, it is important to note that for 2026, Select Health and University of Utah Health Plans are the confirmed carriers offering marketplace plans in Wasatch County's Rating Area 3. Always verify carrier availability for your specific ZIP code on HealthCare.gov. Wasatch County, with a population of 36,642 and a median income of $117,608 per U.S. Census Bureau ACS 2024 5-year estimates, also has a 7.5% uninsured rate. Notably, Wasatch County has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for such services.

How to Choose the Right Health Plan in Wasatch County

Selecting the ideal health insurance plan involves considering several factors beyond just the monthly premium. Here's a guide to making an informed decision:

Understand Your Healthcare Needs: If you anticipate frequent doctor visits, ongoing prescriptions, or specialized care, a plan with a lower deductible and higher premium might save you money in the long run. If you're generally healthy and primarily need coverage for emergencies, a higher-deductible plan (like a Bronze or Silver plan) could be more cost-effective.
Network Type (HMO vs. EPO): In Utah, your marketplace choices are HMO or EPO.
- HMO (Health Maintenance Organization): Typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists. Out-of-network care is usually not covered, except in emergencies.
- EPO (Exclusive Provider Organization): Does not typically require a PCP or referrals for specialists, but you must stay within the plan's network for care to be covered.
Consider which network type aligns with your preference for flexibility and referral requirements.
Check Provider Networks: Ensure that your preferred doctors, specialists, and any necessary hospitals are included in the plan's network before enrolling. This is especially important for Wasatch County residents, who may rely on providers in neighboring counties.
Estimate Total Costs: Look beyond the premium to consider the deductible, copayments, coinsurance, and out-of-pocket maximum. A plan with a low premium might have a high deductible, meaning you pay more for care before your insurance starts covering costs.
Utilize Subsidies: Many Wasatch County residents qualify for premium tax credits and cost-sharing reductions (CSRs) based on their income. These subsidies can significantly lower your monthly premiums and out-of-pocket expenses. Be sure to accurately report your income when applying on HealthCare.gov to receive all eligible financial assistance.

Get Your Free Quote and Personalized Assistance

Choosing a health insurance plan can be complex, but you don't have to navigate it alone. A licensed health insurance producer can provide free, unbiased assistance to help you understand your options, compare plans from Select Health and University of Utah Health Plans, and determine your eligibility for financial assistance. They can help you enroll in a plan that meets your healthcare needs and budget.

Frequently Asked Questions

What health insurance carriers offer plans in Wasatch County, Utah?

In 2026, two health insurance carriers offer marketplace plans in Wasatch County, Utah: Select Health and University of Utah Health Plans. These carriers serve Rating Area 3, which includes Wasatch, Davis, Salt Lake, Summit, and Tooele counties.

Are PPO plans available on HealthCare.gov in Utah?

No, PPO plans are not available on-exchange (via HealthCare.gov) in Utah. Marketplace shoppers in Wasatch County can choose between HMO and EPO network structures for their health insurance coverage.

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 up to 200% FPL through CHIP.

How do I enroll in an ACA plan in Wasatch County?

You can enroll in an ACA health plan through HealthCare.gov during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period due to a life event like marriage, birth, or losing other coverage. A licensed health insurance producer can provide free assistance to help you compare plans and apply.