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

Select Health Insurance Plans in Bountiful, Utah

In 2026, Select Health offers HMO and EPO plans through HealthCare.gov in Bountiful, Utah. PPO plans are not available on-exchange in Utah.
Bountiful is part of Utah Rating Area 3, which includes Davis, Salt Lake, Summit, Tooele, and Wasatch counties.
Four carriers, including Select Health, offer marketplace plans in Rating Area 3 for the 2026 plan year.
Individuals with incomes between 100% and 400% FPL may qualify for premium tax credits to reduce Select Health plan costs.
Utah Medicaid expanded in 2020, covering adults up to 138% FPL; pregnant women up to 144% FPL.

Navigating health insurance options in Bountiful, Utah, especially when considering a specific carrier like Select Health, involves understanding local availability, plan types, and financial assistance. For 2026, Select Health is one of four carriers offering health insurance plans on HealthCare.gov in Bountiful and the broader Rating Area 3. These plans primarily include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) structures, as PPO plans are not offered on-exchange in Utah. Residents in Bountiful can explore various metal tiers (Bronze, Silver, Gold, Platinum) with Select Health, potentially benefiting from federal subsidies to lower monthly premiums based on household income.

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What Select Health Plans Are Available in Bountiful, Utah?

For residents of Bountiful, Utah, Select Health offers a range of health insurance plans through the federal marketplace, HealthCare.gov. In 2026, the available plan types from Select Health, and other carriers in Utah, are HMO and EPO plans. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers choose between HMO and EPO network structures. Select Health plans are categorized into metal tiers:

Bronze Plans: These plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs. They are designed primarily for catastrophic coverage, covering essential health benefits after the deductible is met.
Silver Plans: Offering a balance between monthly premiums and out-of-pocket costs, Silver plans are unique because they are eligible for Cost-Sharing Reductions (CSRs). If your income is below 250% of the Federal Poverty Level (FPL), these subsidies can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value.
Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans generally have lower deductibles and out-of-pocket maximums. They are suitable for individuals who expect to use medical services more frequently and prefer more predictable costs throughout the year.
Platinum Plans: These plans have the highest monthly premiums but the lowest deductibles and out-of-pocket costs. They provide the most comprehensive coverage from day one, ideal for those who anticipate extensive medical needs.

When choosing a Select Health plan, it is crucial to consider your expected medical needs and financial situation to select the metal tier that best fits your circumstances.

Understanding Your Eligibility for Select Health Plans and Financial Assistance

Eligibility for Select Health plans through HealthCare.gov in Bountiful, Utah, depends primarily on your residency and not having access to affordable, employer-sponsored health coverage that meets Minimum Essential Coverage standards. Financial assistance, in the form of premium tax credits (subsidies) and Cost-Sharing Reductions (CSRs), is available to help make these plans more affordable:

Premium Tax Credits: These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). They can be used to lower your monthly premium for any metal-tier plan from Select Health or other marketplace carriers.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is between 100% and 250% FPL.

Utah Medicaid and CHIP Eligibility

Utah expanded Medicaid in 2020 through a ballot initiative. This means that adults in Bountiful with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to affordable care for low-income individuals. Additionally, specific programs are available for vulnerable populations:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal care, labor and delivery, and postpartum support. Applications can be made through Utah's Medicaid portal (medicaid.utah.gov).
Children: The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential health services for younger residents.

If your income is below these thresholds, applying for Utah Medicaid or CHIP should be your first step.

Health Insurance Carriers in Bountiful

Bountiful, Utah, is located in Davis County, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, four carriers offer marketplace plans in Rating Area 3, providing Bountiful residents with choices beyond just Select Health. These carriers include:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

Each carrier offers different plan designs and networks, so it is important to compare options to find the best fit for your healthcare needs and budget. Bountiful, a city in Davis County, serves a population of 45,023 residents with a median household income of $104,785, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate in Bountiful is 5.7%, which is lower than the national average. Davis County itself has a population of 370,924. Residents have access to several acute care facilities within Davis County, including Lakeview Hospital and Western Peaks Specialty Hospital, both located in Bountiful, along with Holy Cross Hospital-davis and Intermountain Health Layton Hospital in Layton.

Making Your Decision: How to Enroll in a Select Health Plan

Choosing the right Select Health plan involves several key considerations. First, determine your eligibility for financial assistance by estimating your household income for 2026. This will help you understand your potential premium tax credits and whether you qualify for Cost-Sharing Reductions with a Silver plan. Next, consider your healthcare needs:

If you expect minimal medical care, a Bronze plan from Select Health might be suitable for its low premium.
If you qualify for CSRs or anticipate moderate medical use, a Silver plan offers a good balance of cost and coverage.
For those who expect frequent medical services or prefer lower out-of-pocket costs, Gold or Platinum plans provide more comprehensive coverage.

Finally, verify that your preferred doctors and hospitals, such as Lakeview Hospital in Bountiful, are included in the network of any Select Health plan you are considering. As an HMO or EPO plan, network restrictions are important. You can enroll in a Select Health plan during the annual Open Enrollment Period, typically from November 1st to January 15th, for coverage beginning the following year. If you experience a Qualifying Life Event (QLE) outside of Open Enrollment, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period (SEP). A licensed health insurance producer can help you navigate these choices, compare Select Health plans with other local carriers, and ensure you receive all eligible subsidies, all at no cost to you.

Frequently Asked Questions

What types of Select Health plans are available in Bountiful, Utah?

In Bountiful, Utah, Select Health primarily offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans on HealthCare.gov. PPO plans are not available on-exchange in Utah for 2026. These plans emphasize coordinated care through a primary care provider.

Can I get a subsidy for Select Health plans in Bountiful?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that can significantly lower your monthly health insurance costs for Select Health plans purchased through HealthCare.gov. Individuals below 138% FPL may qualify for Utah Medicaid.

Where can I find a doctor or hospital covered by Select Health in Bountiful?

Select Health plans in Bountiful utilize networks of doctors and hospitals. You can verify network coverage directly on the Select Health website or by contacting their member services. Major hospitals in Davis County, such as Lakeview Hospital in Bountiful and Intermountain Health Layton Hospital, are typically part of broad networks, but specific plan networks vary.

Is Select Health the only option for health insurance in Bountiful?

No, while Select Health is a prominent carrier, Bountiful residents in Rating Area 3 have choices. In 2026, four carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These include BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans, in addition to Select Health.