Select Health Insurance Plans in Cache County, Utah

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

Select Health is one of 3 confirmed carriers offering marketplace health plans in Cache County for 2026.
Cache County is part of Utah Rating Area 1, which also covers Rich County.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
In Cache County, the uninsured rate is 6.9%, significantly below the national average.
Marketplace plans in Utah are primarily HMO and EPO; PPO plans are not available on-exchange.

Navigating health insurance options in Cache County, Utah, involves understanding the specific plans available through carriers like Select Health. As a prominent provider in the state, Select Health offers a range of plans on the HealthCare.gov marketplace for residents of Cache County. This article will help you understand the types of plans available from Select Health, how they fit into Utah's health insurance landscape, and how to access affordable coverage, potentially with financial assistance.

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What Are Your Select Health Options in Cache County?

Select Health is a key participant in Utah's Health Insurance Marketplace, offering plans to individuals and families in Cache County. For the 2026 plan year, Select Health provides Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. These plans are designed to give you access to a network of local doctors, specialists, and hospitals, including facilities like Intermountain Health Logan Regional Hospital and Cache Valley Hospital. When considering a Select Health plan, it's important to differentiate between HMO and EPO structures. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialist visits. EPO plans offer more flexibility in seeing specialists without a referral but still limit coverage to providers within their network. Neither of these plan types typically covers out-of-network care, except in emergencies. PPO plans, which offer more out-of-network flexibility, are generally not available on the HealthCare.gov marketplace in Utah.

Understanding Health Insurance Subsidies in Cache County

Many residents in Cache County may qualify for financial assistance to lower the cost of their Select Health or other marketplace plans. These subsidies, known as Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), are available through HealthCare.gov. Eligibility for APTCs depends on your household income relative to the Federal Poverty Level (FPL). Even those with moderate incomes can qualify, especially with the enhanced subsidies currently available. CSRs can further reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, but these are only available if you enroll in a Silver-tier plan. For example, a family of four in Cache County earning up to approximately $120,000 might qualify for significant premium tax credits, making a Silver plan much more affordable. The median household income in Cache County is $81,665, per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many local families could benefit from these savings.

Health Insurance Carriers in Cache County

Cache County is part of Utah Rating Area 1, which also covers Rich County. In 2026, 3 carriers offer marketplace plans in Rating Area 1. These carriers include:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health

These carriers provide a range of HMO and EPO plans across different metal tiers (Bronze, Silver, Gold), allowing residents to compare options based on their budget and healthcare needs. Cache County, with a population of 140,046 and an uninsured rate of 6.9% per U.S. Census Bureau ACS 2024 5-year estimates, is served by two acute care hospitals: Intermountain Health Logan Regional Hospital (located in Logan) and Cache Valley Hospital (located in North Logan). These facilities are crucial healthcare anchors for the region, and it's important to ensure your chosen plan, including those from Select Health, includes access to your preferred local providers.

Utah Medicaid and CHIP in Cache County

Utah expanded Medicaid in 2020 through a ballot initiative, making it available to adults with household incomes up to 138% of the Federal Poverty Level. This means that if your income falls within this range, you may qualify for comprehensive, low-cost health coverage through Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, where individuals in this income bracket might face a coverage gap. Additionally, Utah offers specific Medicaid programs for vulnerable populations:

Pregnant Women Medicaid: Covers expectant mothers with incomes up to 144% FPL, providing prenatal care, labor and delivery, and postpartum support.
CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Residents of Cache County who believe they might qualify for Utah Medicaid or CHIP should apply through the state's Medicaid portal (medicaid.utah.gov) to determine their eligibility.

Making the Right Choice for Your Health Coverage in Cache County

Choosing the right health insurance plan, whether from Select Health or another carrier, requires careful consideration of your income, health needs, and preferred providers.

If your income is below 138% FPL: You likely qualify for Utah Medicaid, offering comprehensive coverage with minimal or no premiums.
If your income is between 100% and 400% FPL (or higher with enhanced subsidies): You may qualify for significant premium tax credits on HealthCare.gov. Consider a Silver plan to also access Cost-Sharing Reductions, lowering your deductibles and copayments.
If your income is above subsidy thresholds: You can still purchase a plan through HealthCare.gov or directly from a carrier. Focus on the plan's network, deductible, and out-of-pocket maximum.

A licensed health insurance agent can help you compare plans from Select Health and other carriers in Cache County, explain your subsidy eligibility, and guide you through the enrollment process at no cost to you.

Frequently Asked Questions

Is Select Health available on HealthCare.gov in Cache County?

Yes, Select Health is one of three confirmed carriers offering plans on HealthCare.gov in Rating Area 1, which includes Cache County, for the 2026 plan year. You can compare their HMO and EPO plans alongside other carriers.

What types of plans does Select Health offer in Cache County?

In Cache County, Select Health primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through the Health Insurance Marketplace. These plans require you to use a network of doctors and hospitals for covered services.

Can I get a PPO plan from Select Health in Cache County?

PPO plans are generally not available on-exchange through HealthCare.gov in Utah. Select Health, like other carriers in Cache County, focuses on HMO and EPO network structures for marketplace plans. If PPO coverage is essential, you may need to explore off-marketplace options without subsidies.

How do I enroll in a Select Health plan in Cache County?

You can enroll in a Select Health plan during the annual Open Enrollment Period through HealthCare.gov. If you experience a qualifying life event, such as moving, getting married, or having a baby, you may be eligible for a Special Enrollment Period. A licensed agent can assist you with the application process for free.

Does Utah have expanded Medicaid?

Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid coverage. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL for CHIP.