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

Select Health Insurance Plans in Brigham City, Utah

Select Health is one of 4 confirmed carriers offering marketplace plans in Brigham City's Rating Area 2 for 2026.
Marketplace plans in Utah are available as HMO or EPO networks; PPO plans are not offered on-exchange.
Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
Brigham City's uninsured rate is 8.1%, slightly higher than the Box Elder County average of 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Brigham City, Utah, involves understanding local carrier availability, plan types, and financial assistance. For residents seeking coverage from Select Health, it's important to know that Select Health is a confirmed carrier offering plans on HealthCare.gov in Rating Area 2, which includes Brigham City. These plans primarily utilize HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. Most Brigham City residents will qualify for financial subsidies to reduce their monthly premiums, and many may also qualify for cost-sharing reductions based on income.

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What Health Insurance Options Does Select Health Offer in Brigham City?

In Brigham City, Select Health provides health insurance plans through HealthCare.gov, Utah's federal health insurance marketplace. As of 2026, Select Health is one of four carriers confirmed to offer plans in Rating Area 2, which covers Box Elder, Morgan, and Weber counties. The plan types available on-exchange in Utah are limited to HMO and EPO plans; PPO (Preferred Provider Organization) plans are not offered on the marketplace in Utah. Select Health plans, like all marketplace plans, cover essential health benefits, including doctor visits, prescription drugs, hospitalization, maternity care, and mental health services. The specific benefits and cost-sharing (deductibles, copayments, coinsurance) will vary depending on the metal tier of the plan you choose: Bronze, Silver, Gold, or Platinum. Bronze plans typically have lower monthly premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses when you need care.

How Do Subsidies and Medicaid Work in Brigham City?

Brigham City residents may be eligible for significant financial assistance to make health insurance more affordable. This assistance comes primarily in two forms: premium tax credits and cost-sharing reductions.

Premium Tax Credits (Subsidies)

Premium tax credits can lower your monthly health insurance premium. Eligibility is 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 example, an individual in Brigham City with an income of $40,000 might see their monthly premium significantly reduced.

Cost-Sharing Reductions (CSRs)

Cost-sharing reductions help lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. To qualify for CSRs, your income must be between 100% and 250% FPL, and you must enroll in a Silver-tier plan. CSRs enhance Silver plans, making them a particularly good value for eligible individuals, as they offer better benefits for the same premium as a standard Silver plan.

Utah Medicaid Expansion

Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, no-cost or low-cost health coverage through Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it closes the "coverage gap" for low-income adults. Utah Medicaid also covers pregnant women up to 144% FPL and uninsured children through CHIP up to 200% FPL. Brigham City residents can apply for Utah Medicaid through medicaid.utah.gov.

Health Insurance Carriers in Brigham City

For 2026, residents of Brigham City, which is part of Utah Rating Area 2, have access to plans from four confirmed health insurance carriers on HealthCare.gov. These carriers offer a range of HMO and EPO plans designed to meet various needs and budgets. The confirmed carriers for Brigham City's Rating Area 2 are:

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

These carriers provide comprehensive coverage options, and you can compare their plans side-by-side on HealthCare.gov to find the best fit for your healthcare needs and budget. Remember to verify if your preferred doctors and any specific hospitals, such as Brigham City Community Hospital, are in-network with the plan you choose.

Choosing the Right Select Health Plan in Brigham City

When selecting a Select Health plan or any other plan in Brigham City, consider your expected healthcare usage, budget, and preferred providers. Brigham City, with a population of 19,992 and a median income of $71,308 per U.S. Census Bureau ACS 2024 5-year estimates, offers a variety of plans designed to serve its diverse community. Box Elder County, where Brigham City is located, has two acute care hospitals: Brigham City Community Hospital and Bear River Valley Hospital in Tremonton. It is essential to ensure that your chosen plan includes access to the hospitals and specialists you need, particularly Brigham City Community Hospital if that is your primary facility. Here's a decision framework to help you choose:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This offers comprehensive coverage with minimal or no out-of-pocket costs. Apply via medicaid.utah.gov.
If your income is between 100% and 250% FPL: Enroll in a Silver-tier plan through HealthCare.gov to maximize your savings with both premium tax credits and cost-sharing reductions, which lower your deductibles and copayments.
If your income is between 250% and 400% FPL: You will qualify for significant premium tax credits. Compare Bronze, Silver, and Gold plans to find the best balance of monthly premium and out-of-pocket costs for your expected healthcare needs.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still find comprehensive coverage on HealthCare.gov. Compare plans from Select Health and other carriers to find the best value.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other local carriers, calculate your potential subsidies, and enroll in a plan that meets your needs at no cost to you.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Brigham City?

In Brigham City, Select Health offers marketplace plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO plans are not available on the HealthCare.gov marketplace in Utah. These plans cover essential health benefits and may qualify for subsidies.

Can I get a subsidy for a Select Health plan in Brigham City?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for a Select Health plan. Individuals with income between 100% and 250% FPL may also qualify for cost-sharing reductions (CSRs) to reduce out-of-pocket expenses.

Does Select Health cover Brigham City Community Hospital?

Select Health is one of the confirmed carriers offering plans in Brigham City's Rating Area 2. Many plans offered by carriers in this area, including Select Health, will include Brigham City Community Hospital in their network, particularly for HMO and EPO plans. Always verify network coverage for specific doctors and facilities directly with Select Health before enrolling.

What is the uninsured rate in Brigham City, Utah?

According to U.S. Census Bureau ACS 2024 5-year estimates, Brigham City has an uninsured rate of 8.1%. This is slightly higher than the 8.0% uninsured rate for Box Elder County as a whole, but lower than the national average.