Select Health Insurance Plans in Centerville, Utah

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

Select Health is one of 4 carriers offering marketplace plans in Centerville's Rating Area 3 for 2026.
Centerville residents primarily access HMO and EPO plans through HealthCare.gov; PPOs are not available on-exchange.
Individuals with incomes up to 138% FPL may qualify for Utah Medicaid, which expanded in 2020.
The median household income in Centerville is $123,130, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Centerville, Utah, often means looking at plans from carriers like Select Health. As one of the prominent insurers in the region, Select Health offers various plans designed to meet the needs of individuals and families. For 2026, Centerville residents will find Select Health plans available through the federal marketplace, HealthCare.gov, alongside other carriers serving Rating Area 3. Understanding your options, including plan types, subsidy eligibility, and network coverage, is crucial to making an informed decision about your healthcare.

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What Health Insurance Options Does Select Health Offer in Centerville?

In Centerville, Utah, Select Health provides health insurance plans primarily through the HealthCare.gov marketplace. For the 2026 plan year, Utah's marketplace focuses on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. This means that PPO plans are not available on-exchange in Utah, and your marketplace choice will be between HMO and EPO network structures. Select Health plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus your out-of-pocket expenses:

Bronze Plans: Typically cover 60% of costs, with you paying 40%. These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are often suitable for those who primarily want protection against catastrophic medical costs.
Silver Plans: Generally cover 70% of costs, with you paying 30%. Silver plans are popular because they offer a balance of moderate premiums and out-of-pocket costs. Critically, only Silver plans are eligible for Cost-Sharing Reductions (CSRs) if you qualify based on income.
Gold Plans: Cover 80% of costs, with you paying 20%. These plans have higher monthly premiums but lower deductibles and out-of-pocket maximums, making them ideal for individuals who expect to use healthcare services more frequently.

The specific benefits and provider networks for Select Health plans will vary by individual plan, so it's important to review the details of any plan you consider.

Who Qualifies for Subsidies or Utah Medicaid in Centerville?

Affordability is a key factor when choosing health insurance. Many Centerville residents may qualify for financial assistance to help lower their monthly premiums or out-of-pocket costs. This assistance is available through HealthCare.gov. For 2026, premium tax credits (subsidies) are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits can significantly reduce your monthly premium, making coverage more accessible. Additionally, if your income falls between 150% and 250% FPL, you may qualify for Cost-Sharing Reductions (CSRs) when you choose a Silver-tier plan. CSRs lower your deductibles, copayments, and out-of-pocket maximums, providing extra financial protection. Centerville, Utah, is part of a state that expanded Medicaid in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the FPL may qualify for Utah Medicaid. Unlike states with a "coverage gap," Centerville residents at these income levels have access to comprehensive, low-cost health coverage. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, and the Children's Health Insurance Program (CHIP) covers uninsured children in households up to 200% FPL. You can apply for Utah Medicaid through Utah's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Centerville

For 2026, Centerville residents in Rating Area 3 have a choice of 4 health insurance carriers offering plans through the HealthCare.gov marketplace. Rating Area 3 covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. The confirmed carriers for Centerville's Rating Area 3 are:

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

These carriers provide a range of HMO and EPO plans across the metal tiers, allowing Centerville residents to compare options based on premiums, deductibles, out-of-pocket maximums, and provider networks. Centerville, with a population of 16,679 and an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from these competitive offerings within its rating area. Davis County, the parent county for Centerville, has a population of 370,924 with an uninsured rate of 5.7%. Davis County is home to several acute care hospitals, including Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Select Health plans typically include network access to major healthcare providers, but it is always recommended to verify that your preferred doctors and facilities are in-network with any specific plan before enrolling.

Choosing the Right Select Health Plan in Centerville

Selecting the ideal health insurance plan involves considering your healthcare needs, budget, and preferred providers. Here’s a guide to help you decide:

Assess Your Healthcare Usage: If you anticipate frequent doctor visits or have chronic conditions, a Gold plan with higher premiums but lower out-of-pocket costs might be more cost-effective. If you're generally healthy and primarily want protection against emergencies, a Bronze plan could be suitable.
Check Subsidy Eligibility: Use the HealthCare.gov marketplace to determine if you qualify for premium tax credits or Cost-Sharing Reductions. These financial aids can significantly impact the true cost of your plan.
Verify Provider Networks: Ensure that your current doctors, specialists, and preferred hospitals (such as Holy Cross Hospital-davis or Lakeview Hospital in Davis County) are included in the Select Health plan's network. This is especially important for HMO and EPO plans, which have more restricted networks than PPOs (which are not available on-exchange in Utah).
Compare Plan Types: Decide between an HMO or EPO structure. HMOs generally require you to choose a primary care physician (PCP) and get referrals for specialists, while EPOs offer more flexibility but typically don't cover out-of-network care.

Frequently Asked Questions

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

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

Can I get a subsidy for a Select Health plan in Centerville?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that reduce your monthly costs. Individuals with income below 138% FPL may qualify for Utah Medicaid.

How do I enroll in a Select Health plan in Centerville?

Enrollment for Select Health plans in Centerville, Utah, is primarily done through the federal health insurance marketplace at HealthCare.gov during the annual Open Enrollment Period. You can also apply for special enrollment if you experience a qualifying life event.

Does Select Health cover Centerville's local hospitals?

Select Health plans in Centerville, Utah, are likely to include major hospital systems in Davis County and the broader Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Specific network coverage varies by plan, so it's essential to verify your preferred doctors and hospitals are in-network before enrolling.