Select Health Insurance Plans in Box Elder County, Utah
- In 2026, Select Health is one of 4 carriers offering marketplace plans in Utah Rating Area 2, which includes Box Elder County.
- Box Elder County residents can choose between HMO and EPO plan types on HealthCare.gov; PPO plans are not available on-exchange in Utah.
- Individuals and families with incomes up to 400% FPL may qualify for significant subsidies to lower monthly premiums for Select Health plans.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% FPL, and pregnant women up to 144% FPL.
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What Select Health Plans Are Available in Box Elder County?
Select Health, a prominent health insurance carrier in Utah, provides various plan options for residents of Box Elder County through HealthCare.gov. These plans are designed to meet diverse healthcare needs and budgets. As is standard for the Utah marketplace, the primary network types available from Select Health are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.- HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the Select Health network. Your PCP coordinates all your care and provides referrals to specialists when needed. HMOs often have lower monthly premiums and out-of-pocket costs compared to other plan types, but offer less flexibility outside the network.
- EPO Plans: With an EPO, you generally do not need a referral to see a specialist, offering more direct access to care than an HMO. However, you must still stay within the Select Health network of providers and facilities for covered services, except in emergencies. Costs are typically higher if you seek care outside the EPO network.
Understanding Subsidies and Eligibility for Select Health Plans
The cost of a Select Health plan in Box Elder County can be significantly reduced through federal subsidies available on HealthCare.gov. These subsidies, known as Premium Tax Credits, are designed to make health insurance more affordable based on household income.Eligibility for Premium Tax Credits is primarily based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for these credits. For those with incomes below 138% FPL, Utah Medicaid may be an option, as Utah expanded its Medicaid program in 2020.
Cost-Sharing Reductions (CSRs) are another form of financial assistance that can lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available if you enroll in a Silver-tier plan and your income falls below 250% FPL. Combining Premium Tax Credits with CSRs can make Silver plans an exceptionally good value, offering richer benefits at a lower overall cost.
Utah Medicaid and CHIP in Box Elder County
Utah expanded its Medicaid program in 2020, meaning more Box Elder County residents are eligible for comprehensive, low-cost health coverage. Adults with household incomes up to 138% of the Federal Poverty Level can qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, ensuring a pathway to coverage for lower-income individuals and families. For pregnant women in Box Elder County, Utah Medicaid covers those with incomes up to 144% FPL. This coverage includes essential prenatal care, labor and delivery services, 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.Health Insurance Carriers in Box Elder County
For 2026, Box Elder County is part of Utah Rating Area 2, which also covers Morgan and Weber counties. In this rating area, 4 carriers offer marketplace plans through HealthCare.gov. Select Health is one of these options, providing residents with choices for their health coverage. The confirmed carriers offering marketplace plans in Rating Area 2 for 2026 include:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Healthcare Facilities in Box Elder County
Box Elder County, with a population of 61,246, is served by local healthcare facilities that form a critical part of the health insurance network. The county's uninsured rate stands at 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates. Box Elder County's 2 acute care hospitals — Brigham City Community Hospital in Brigham City and Bear River Valley Hospital in Tremonton — serve a population with a median age of 33.3 years and a median income of $84,550. These facilities are important considerations when selecting a health plan, as your chosen carrier's network should ideally include convenient access to local care.Making Your Health Plan Decision in Box Elder County
Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your specific healthcare needs, financial situation, and preferred providers. Here’s a guide to help you make an informed decision:| Your Situation | Recommended Action |
|---|---|
| Income below 138% FPL | Apply for Utah Medicaid through medicaid.utah.gov. This offers comprehensive coverage with minimal or no cost. |
| Income 138% - 250% FPL | Explore Silver plans on HealthCare.gov. You may qualify for both Premium Tax Credits and Cost-Sharing Reductions, significantly lowering both premiums and out-of-pocket costs. |
| Income 250% - 400% FPL | Consider Bronze, Silver, Gold, or Platinum plans on HealthCare.gov. You are likely eligible for Premium Tax Credits to reduce your monthly premiums. Bronze plans offer lowest premiums, while Gold/Platinum offer lower out-of-pocket costs. |
| Income above 400% FPL | You can still enroll in a Select Health plan through HealthCare.gov at full price or explore off-marketplace options. A licensed agent can help compare all available plans. |
Frequently Asked Questions
What types of Select Health plans are available in Box Elder County?
In Box Elder County, Select Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are generally not available on-exchange in Utah. HMOs require you to choose a primary care provider and get referrals for specialists, while EPOs offer more flexibility but still require you to stay within their network.
Can I get subsidies for Select Health plans in Box Elder County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to help reduce the cost of Select Health plans purchased through HealthCare.gov. Individuals and families below 138% FPL may qualify for Utah Medicaid.
How do I enroll in a Select Health plan in Box Elder County?
Enrollment for Select Health plans in Box Elder County, Utah, primarily occurs through HealthCare.gov during the annual Open Enrollment Period. You may also qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing other coverage, getting married, or having a baby. A licensed agent can assist you with the application process at no cost.
Does Select Health cover services at local hospitals in Box Elder County?
Select Health plans typically contract with a network of local providers and facilities. In Box Elder County, this network would likely include hospitals such as Brigham City Community Hospital and Bear River Valley Hospital. It is always recommended to verify network participation for specific providers and facilities directly with Select Health before receiving services.