Select Health Health Insurance in Cedar Hills, Utah

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

Select Health is one of 5 confirmed carriers offering marketplace plans in Utah Rating Area 4, which includes Cedar Hills, for the 2026 plan year.
Marketplace plans in Cedar Hills are available with HMO and EPO network structures; PPO plans are not offered on-exchange in Utah.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL), and pregnant women up to 144% FPL.
Approximately 6.9% of Cedar Hills residents are uninsured, according to U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Cedar Hills, Utah, finding suitable health insurance often means navigating options available through HealthCare.gov. Select Health is a prominent carrier in Utah, offering various plans designed to meet different needs and budgets. Understanding the local market, including available plan types and eligibility for financial assistance, is key to making an informed decision about your coverage in this part of Utah County. Whether you are looking for individual plans, family coverage, or exploring Medicaid options, Cedar Hills residents have specific pathways to securing health insurance.

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What Health Insurance Options Are Available in Cedar Hills with Select Health?

In Cedar Hills, Select Health, like other carriers in Utah, primarily offers health insurance plans with Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures on the federal marketplace, HealthCare.gov. Unlike some other states, PPO (Preferred Provider Organization) plans are generally not available on-exchange in Utah. This means that when choosing a marketplace plan, Cedar Hills shoppers will select between HMOs, which typically require a primary care physician referral for specialists, and EPOs, which offer more flexibility without referrals but limit coverage to in-network providers. Select Health plans often include access to major health systems within Utah County, such as Intermountain Health facilities.

Understanding Marketplace Plans and Subsidies in Utah County

The federal marketplace, HealthCare.gov, is the primary platform for Cedar Hills residents to purchase individual and family health insurance plans. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the balance between monthly premiums and out-of-pocket costs. Bronze plans have the lowest premiums but highest out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket expenses. Many Cedar Hills residents may qualify for financial assistance, known as subsidies, to help lower their monthly premiums. These subsidies are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). Additionally, those with incomes up to 250% FPL may qualify for cost-sharing reductions (CSRs) when enrolling in a Silver plan, which further reduces deductibles, copayments, and out-of-pocket maximums. For example, a single person in Cedar Hills with an income of $35,000 (approximately 255% FPL in 2024) would likely qualify for significant premium tax credits.

Medicaid and CHIP Eligibility for Cedar Hills Residents

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. Adults in Cedar Hills and across Utah County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for lower-income individuals. Beyond general adult coverage, specific programs cater to vulnerable populations:

Pregnant Women: Utah Medicaid covers pregnant women with household incomes up to 144% FPL. This comprehensive coverage includes prenatal care, labor and delivery services, and postpartum care.
Children: The Children's Health Insurance Program (CHIP) in Utah provides coverage for uninsured children in households with incomes up to 200% FPL.

Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Cedar Hills

For the 2026 plan year, residents of Cedar Hills, located within Utah Rating Area 4, have a choice of plans from multiple health insurance carriers on HealthCare.gov. In 2026, 5 carriers offer marketplace plans in Rating Area 4, providing a range of options for local residents. The confirmed carriers for Cedar Hills are:

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

When comparing plans, it is important to consider not only the premiums and deductibles but also the network of doctors and hospitals. Utah County, with a population of 705,400 per U.S. Census Bureau ACS 2024 5-year estimates, is served by several major hospitals. These include Intermountain Health Utah Valley Hospital in Provo, American Fork Hospital in American Fork, and Mountain View Hospital in Payson, among others. Confirming that your preferred doctors and local facilities are in-network with your chosen plan, especially with HMO and EPO structures, is essential.

Cedar Hills, with a population of 9,950 and a median income of $139,008, has a relatively low uninsured rate of 6.9% per U.S. Census Bureau ACS 2024 5-year estimates, compared to the broader Utah County uninsured rate of 7.5%. This area's health insurance landscape is shaped by the options available in Utah Rating Area 4, which is a single-county rating area covering all of Utah County.

Making the Right Health Insurance Decision in Cedar Hills

Choosing the right health insurance plan in Cedar Hills depends on several factors, including your income, health needs, and preferred providers. Here's a guide to help you decide:

Income below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through the state's Medicaid portal.
Income between 100% and 400% FPL: You are eligible for premium tax credits (subsidies) on HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to benefit from additional cost-sharing reductions.
Income above 400% FPL: You can purchase plans on HealthCare.gov at full price or explore off-marketplace options directly from carriers.

Remember that a licensed health insurance producer can provide personalized guidance, help you compare plans from Select Health and other carriers, and assist with enrollment, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Cedar Hills?

In Cedar Hills, part of Utah Rating Area 4, Select Health offers marketplace plans with HMO and EPO network structures. PPO plans are not available on-exchange in Utah.

Am I eligible for Medicaid in Utah County?

Yes, Utah expanded Medicaid in 2020. Adults in Utah County with income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children through CHIP up to 200% FPL.

Where can I find Select Health plans on the marketplace?

Residents of Cedar Hills, Utah, can find and enroll in Select Health plans, along with other carriers, through the federal marketplace at HealthCare.gov. Financial assistance in the form of subsidies may be available based on income.

Are there hospitals in Utah County that accept Select Health plans?

Select Health typically has broad networks in Utah. Utah County is home to several major hospitals, including Intermountain Health Utah Valley Hospital in Provo and American Fork Hospital, which are generally part of major carrier networks. It is always best to confirm network participation for your specific plan.