Select Health Insurance Plans in Beaver County, Utah (2026)
- Beaver County residents can choose from 2 health insurance carriers on HealthCare.gov in 2026: Select Health and University of Utah Health Plans.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- PPO plans are not available on-exchange in Utah; marketplace shoppers in Beaver County select between HMO and EPO plans.
- Beaver County, with a population of 7,273, is part of Utah Rating Area 6, which includes 15 other counties.
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 Options Are Available in Beaver County?
In Beaver County, Utah, health insurance options for 2026 are primarily accessed through HealthCare.gov, the federal marketplace. Utah expanded Medicaid in 2020, ensuring that adults with incomes up to 138% of the Federal Poverty Level (FPL) can qualify for coverage. This means that individuals and families earning between 100% and 138% FPL, who might otherwise fall into a coverage gap in non-expansion states, are eligible for Utah Medicaid. For those above Medicaid thresholds but below 400% FPL, premium tax credits (subsidies) are available to reduce monthly premiums for marketplace plans. Beaver County, with a population of 7,273 and an uninsured rate of 15.2% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 6. This rating area also covers Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. Residents needing acute care typically travel to neighboring counties, as Beaver County has no acute care hospitals within its boundaries.Understanding Select Health Plans in Beaver County
Select Health is one of two carriers offering marketplace plans in Beaver County for 2026. Select Health provides a range of plans designed to meet different needs, primarily utilizing HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPO plans offer more flexibility to see specialists without a referral, as long as they are within the plan's network. It is important to review the specific plan details, including deductibles, copayments, and out-of-pocket maximums, to understand your potential costs. When considering a Select Health plan, evaluate its network of doctors, hospitals, and pharmacies to ensure your preferred providers are included. Since Beaver County does not have its own acute care hospitals, understanding network access in neighboring areas is particularly important for residents. All plans offered through HealthCare.gov, including those from Select Health, cover essential health benefits, such as preventive care, prescription drugs, emergency services, and maternity care.Health Insurance Carriers in Beaver County
In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers provide a range of HMO and EPO plans for residents to choose from:- Select Health: Offers various HMO and EPO plans across different metal tiers (Bronze, Silver, Gold), providing options for different levels of cost-sharing and monthly premiums.
- University of Utah Health Plans: Also provides HMO and EPO plan options, focusing on access to the University of Utah Health network and its associated providers.
Medicaid and CHIP Eligibility in Utah
Utah has expanded its Medicaid program, making it accessible to more residents in Beaver County. Adults with incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This expansion provides a critical safety net for individuals and families who earn too much for traditional Medicaid but too little for significant marketplace subsidies. For pregnant women, Utah Medicaid offers coverage up to 144% FPL, which includes comprehensive prenatal care, labor and delivery, and postpartum care. Uninsured children in households with incomes up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.Choosing the Right Plan for You in Beaver County
Selecting the right health insurance plan in Beaver County involves considering your specific health needs, financial situation, and preferred access to care. Start by estimating your household income to determine if you qualify for premium tax credits or cost-sharing reductions, which can significantly lower your out-of-pocket expenses.| Income Level (Approx. % FPL for 1 person) | Potential Eligibility | Action |
|---|---|---|
| Below 138% FPL (e.g., <$20,783) | Utah Medicaid | Apply for Utah Medicaid through medicaid.utah.gov. |
| 138% - 250% FPL (e.g., $20,783 - $37,650) | Significant Premium Tax Credits + Cost-Sharing Reductions (Enhanced Silver Plans) | Explore Silver plans on HealthCare.gov for lower deductibles and out-of-pocket costs. |
| 250% - 400% FPL (e.g., $37,650 - $60,240) | Premium Tax Credits | Compare Bronze, Silver, and Gold plans on HealthCare.gov; subsidies reduce monthly premiums. |
| Above 400% FPL (e.g., >$60,240) | No Premium Tax Credits or Cost-Sharing Reductions | Compare plans directly on HealthCare.gov or off-exchange for the best value. |
Beaver County's median household income is $79,360 per U.S. Census Bureau ACS 2024 5-year estimates. This means many residents may be above the FPL thresholds for significant subsidies or Medicaid, but it's still worth checking your eligibility based on your individual income. Even if you don't qualify for subsidies, a licensed insurance agent can help you compare plans from Select Health and University of Utah Health Plans to ensure you get the best coverage for your needs.
Frequently Asked Questions
Are PPO plans available on the HealthCare.gov marketplace in Beaver County?
No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Residents of Beaver County can choose between HMO and EPO network structures for their subsidized health insurance plans.
What income level qualifies for Utah Medicaid in Beaver County?
Adults in Beaver County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual, this threshold is approximately $20,783 in 2026.
How many health insurance carriers offer plans in Beaver County for 2026?
For 2026, two health insurance carriers offer marketplace plans in Rating Area 6, which includes Beaver County: Select Health and University of Utah Health Plans.
Does Beaver County have any acute care hospitals?
Beaver County does not have any acute care hospitals within its boundaries. Residents needing acute medical care typically travel to neighboring counties for services.