Can I get a subsidy for a Select Health plan in Carbon County?

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 any marketplace plan, including those from Select Health. Cost-sharing reductions are also available for those below 250% FPL.

How does Medicaid work in Carbon County, Utah?

Utah expanded Medicaid in 2020. Adults in Carbon County with income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women are covered up to 144% FPL, and children up to 200% FPL through CHIP. You can apply through Utah's Medicaid portal at medicaid.utah.gov.

Select Health Health Insurance Plans in Carbon County, Utah

Q: What types of Select Health plans are available in Carbon County, Utah?

In Carbon County, Utah, Select Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on-exchange in Utah.

Select Health is one of 4 carriers offering marketplace plans in Carbon County, which is part of Utah Rating Area 6.
Carbon County residents may choose between HMO and EPO plan types; PPO plans are not available on the HealthCare.gov marketplace in Utah.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
The average uninsured rate in Carbon County is 6.2%, according to U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Carbon County, Utah, finding suitable health insurance is a critical step toward ensuring access to necessary medical care. Select Health offers a range of individual and family plans available through HealthCare.gov, the federal marketplace for Utah. These plans are designed to meet diverse needs and budgets, often with financial assistance available through premium tax credits and cost-sharing reductions. Understanding the local options, eligibility for subsidies, and the specific plan types offered by Select Health can help you make an informed decision for your health coverage in Carbon County.

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 Select Health Plans Are Available in Carbon County?

In Carbon County, Select Health provides health insurance plans primarily through the HealthCare.gov marketplace. As of the 2026 plan year, Select Health is one of four confirmed carriers offering coverage in Rating Area 6, which includes Carbon County and 15 other counties across Utah. Shoppers in Utah's marketplace choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not offered on-exchange in the state. Select Health plans typically fall into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier balances monthly premiums with out-of-pocket costs like deductibles, copayments, and coinsurance.

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage, covering essential health benefits after the deductible is met.
Silver Plans: Offering a balance between premiums and out-of-pocket costs, Silver plans are popular. They are also the only plans eligible for cost-sharing reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums for individuals and families earning up to 250% of the Federal Poverty Level.
Gold Plans: These plans come with higher monthly premiums but lower deductibles and out-of-pocket costs when care is needed. They are suitable for individuals who expect to use medical services frequently.

All plans, regardless of metal tier, cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and preventive care at no extra cost.

How Do Subsidies and Medicaid Work in Carbon County?

Financial assistance is crucial for making health insurance affordable for many Carbon County residents. The Affordable Care Act (ACA) provides two main types of subsidies: premium tax credits and cost-sharing reductions.

Premium Tax Credits

Premium tax credits reduce your monthly premium payment. Eligibility is based on 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. The amount of your tax credit depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

Cost-sharing reductions lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver plans and for individuals and families with incomes up to 250% FPL. These reductions significantly enhance the value of Silver plans, making them a very attractive option for eligible individuals.

Utah Medicaid Eligibility

Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults in Carbon County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, ensuring that low-income adults have access to affordable healthcare. Specific FPL thresholds for other populations in Utah include:

Pregnant Women: Up to 144% FPL for comprehensive prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP).

If you believe you might qualify for Utah Medicaid or CHIP, you can apply directly through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Carbon County

In 2026, 4 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, and Wayne counties. The confirmed carriers for Carbon County and this rating area are:

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

When choosing a plan, it's essential to compare not just premiums, but also the network of doctors and hospitals, prescription drug coverage, and the overall out-of-pocket costs for each carrier. Carbon County's sole acute care facility, Castleview Hospital in Price, is a key consideration for local residents when evaluating network access. Carbon County has a population of 20,517 with a median income of $58,377, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 6.2%, which is lower than the national average.

Making Your Health Plan Decision in Carbon County

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help you navigate your options in Carbon County:

Your Situation	Recommended Action	Why
Income below 138% FPL	Apply for Utah Medicaid	You likely qualify for comprehensive, low-cost coverage due to Utah's Medicaid expansion.
Income 100-400% FPL	Shop on HealthCare.gov for plans with premium tax credits	You're eligible for financial assistance to lower your monthly premiums. Consider Silver plans for potential cost-sharing reductions.
Income above 400% FPL	Shop on HealthCare.gov or directly with carriers	While not eligible for subsidies, the marketplace offers a variety of plans. You can also explore off-marketplace options.
Specific doctor/hospital needs	Check provider networks carefully	Ensure your preferred doctors and facilities, like Castleview Hospital, are in-network for any plan you consider.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in a plan that best fits your specific needs in Carbon County. This service is free to you.

Frequently Asked Questions

What is the HealthCare.gov marketplace?

HealthCare.gov is the federal health insurance marketplace where individuals and families in Utah can shop for and enroll in ACA-compliant health plans. It's also where you apply for premium tax credits and cost-sharing reductions.

Are PPO plans available on the marketplace in Carbon County?

No, PPO (Preferred Provider Organization) plans are not available on the HealthCare.gov marketplace in Utah. Residents of Carbon County will find HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans from carriers like Select Health.

What is the difference between an HMO and an EPO plan?

An HMO plan typically requires you to choose a primary care provider (PCP) within the network who then refers you to specialists. An EPO plan offers more flexibility to see specialists without a referral, but still limits coverage to providers within its network, except in emergencies. Both generally do not cover out-of-network care.

What if I have a pre-existing condition?

Under the Affordable Care Act, health insurance plans cannot deny you coverage or charge you more because of a pre-existing condition. All marketplace plans, including those from Select Health, must cover essential health benefits, and pre-existing conditions are covered from day one.