Select Health Health Insurance Plans in Cedar City, Utah

Select Health offers HMO and EPO health insurance plans in Cedar City, Utah, through HealthCare.gov for the 2026 plan year.
In 2026, three carriers, including Select Health, provide marketplace plans in Rating Area 5, which encompasses Iron and Washington counties.
Cedar City's uninsured rate is 9.9%, slightly below Iron County's 10.3%, per U.S. Census Bureau ACS 2024 5-year estimates.
Utah expanded Medicaid in 2020, providing coverage for adults with incomes up to 138% of the Federal Poverty Level.

Navigating health insurance options in Cedar City, Utah, especially when considering a specific carrier like Select Health, requires understanding local availability and state-specific rules. For 2026, Select Health is one of three confirmed carriers offering plans on HealthCare.gov in Rating Area 5, which includes Iron and Washington counties. These plans primarily utilize HMO and EPO network structures, as PPO plans are not available on the Utah marketplace. Residents of Cedar City, with a population of 38,524 and a median income of $63,589 per U.S. Census Bureau ACS 2024 5-year estimates, can explore various plan tiers and potential financial assistance to make coverage affordable.

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What Select Health Plans Are Available in Cedar City?

Select Health offers a range of health insurance plans on the HealthCare.gov marketplace for residents of Cedar City and the broader Iron County area. For the 2026 plan year, plans from Select Health, like all marketplace plans in Utah, are structured as Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). This means that for in-network care, you will typically need to choose a primary care provider within the plan's network and may need referrals for specialist visits, particularly with HMO plans. PPO plans are not offered on-exchange in Utah, so your marketplace choice will be between these two network types. Select Health is a prominent local carrier with a significant presence in the region, including services at Cedar City Hospital.

Understanding Health Insurance Costs and Subsidies in Cedar City

The cost of a Select Health plan in Cedar City can vary significantly based on the plan tier (Bronze, Silver, Gold), your age, and whether you qualify for financial assistance. Through HealthCare.gov, many Cedar City residents are eligible for subsidies, which include premium tax credits and cost-sharing reductions. These subsidies are designed to make health insurance more affordable for individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL).

Estimated Monthly Premiums by Plan Tier (Illustrative, 2026)
Plan Tier	Typical Monthly Premium Range (before subsidies)	Key Features
Bronze	$350 - $550	Lowest premiums, highest deductibles/out-of-pocket maximums. Best for those who rarely visit the doctor.
Silver	$450 - $700	Moderate premiums, moderate deductibles. Best value for those eligible for Cost-Sharing Reductions.
Gold	$550 - $850	Higher premiums, lower deductibles/out-of-pocket maximums. Suitable for those expecting frequent medical care.

Note: These are illustrative ranges. Your actual costs will depend on your specific plan, age, location, and subsidy eligibility. Cost-sharing reductions (CSRs) are particularly valuable for Silver plans, as they lower your deductibles, copayments, and out-of-pocket maximums. To receive CSRs, you must enroll in a Silver plan and have an income up to 250% FPL.

Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020 through Proposition 3, a significant change that impacts many Cedar City residents. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which offers comprehensive health coverage with little to no cost. This expansion means that residents earning between 100% and 138% FPL, who might otherwise face affordability challenges, now have a clear pathway to coverage. For pregnant women, Utah Medicaid extends coverage up to 144% FPL, providing essential prenatal, labor, delivery, and postpartum care. Uninsured children in households with incomes up to 200% FPL may be eligible 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 Cedar City

Cedar City, located in Iron County, is part of Utah's Rating Area 5. In 2026, three carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties. These carriers provide a range of HMO and EPO plans to suit different needs and budgets:

Molina Healthcare: Offers various HMO and EPO plans designed to provide affordable coverage options.
Select Health: A well-established local carrier offering a diverse selection of HMO and EPO plans, often integrated with local provider networks.
University of Utah Health Plans: Provides plans that leverage the academic medical center's network and resources, available as HMO and EPO options.

It is important to compare plan details, including networks, deductibles, copayments, and out-of-pocket maximums, before making an enrollment decision.

Local Healthcare Resources in Iron County

Cedar City, with its population of 38,524, serves as a central hub for healthcare in Iron County. The county itself has a population of 62,252, and its residents rely on local facilities for acute care. Cedar City Hospital, located directly within Cedar City, is the primary acute care hospital serving Iron County residents. This facility provides a range of medical services to the community, ensuring local access to essential healthcare. Per U.S. Census Bureau ACS 2024 5-year estimates, Iron County has a median age of 30.2 years and an uninsured rate of 10.3%.

Choosing the Right Select Health Plan in Cedar City

Selecting the ideal health insurance plan involves assessing your healthcare needs, financial situation, and preferred providers. If you are considering Select Health, here’s a guide to help you decide:

Assess your medical needs: If you anticipate frequent doctor visits, prescription medications, or managing a chronic condition, a Gold plan with lower deductibles might be more cost-effective despite higher premiums. If you are generally healthy and only expect preventative care, a Bronze plan could be sufficient.
Evaluate your budget: Consider your household income to determine if you qualify for premium tax credits or cost-sharing reductions. These subsidies can significantly lower your out-of-pocket costs, making even a Silver plan highly affordable.
Check provider networks: Confirm that your preferred doctors, specialists, and facilities, such as Cedar City Hospital, are within the Select Health plan's network. Remember that Utah marketplace plans are HMOs and EPOs, so understanding network rules is crucial.
Consider deductibles and out-of-pocket maximums: These figures represent the maximum you might pay for covered services in a year. Choose a plan where these amounts are manageable for your financial situation.

For personalized guidance tailored to your specific circumstances, consulting with a licensed health insurance producer can simplify the enrollment process and ensure you choose the best plan.

Frequently Asked Questions

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

In Cedar City, Select Health offers health insurance plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah for the 2026 plan year.

How many carriers offer marketplace plans in Cedar City's Rating Area 5?

For the 2026 plan year, three carriers offer marketplace health insurance plans in Rating Area 5, which covers Iron and Washington counties. These carriers include Select Health, Molina Healthcare, and University of Utah Health Plans.

Can I get financial assistance for Select Health plans in Cedar City?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions when enrolling in a Select Health plan through HealthCare.gov. Utah has expanded Medicaid, covering adults up to 138% FPL.

Is Cedar City Hospital in the Select Health network?

Select Health, as a prominent local carrier in Utah, typically includes major local facilities like Cedar City Hospital in its provider networks. However, it is always recommended to verify specific provider and facility inclusion for your chosen plan directly with Select Health or through the HealthCare.gov plan details before enrolling.