Select Health Insurance Plans in Clearfield, Utah

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

Select Health offers HMO and EPO plans through HealthCare.gov in Clearfield for 2026.
Clearfield is part of Utah Rating Area 3, which covers five counties including Davis County.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level.
Four health insurance carriers, including Select Health, offer marketplace plans in Clearfield for 2026.

Navigating health insurance options in Clearfield, Utah, includes understanding the plans offered by carriers like Select Health. For 2026, Select Health provides comprehensive health coverage options for residents of Clearfield and the wider Rating Area 3 through HealthCare.gov, the federal marketplace. These plans are structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs), which are the primary choices available on-exchange in Utah, as PPO plans are not offered through the state's marketplace. Understanding these options, alongside potential financial assistance, is key to selecting the right coverage.

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What Select Health Plans Are Available in Clearfield?

As a resident of Clearfield, you can choose from a variety of plans offered by Select Health on HealthCare.gov. All plans must cover the ten essential health benefits, including doctor visits, prescription drugs, mental health care, and maternity care. Select Health plans in Utah are primarily offered with HMO and EPO network structures. An HMO plan typically requires you to choose a primary care provider (PCP) within its network and get referrals for specialists. An EPO plan offers more flexibility, allowing you to see specialists without referrals, but generally only covers care from providers within its network. It's important to verify if your preferred doctors and hospitals, such as Holy Cross Hospital-davis in Layton, are included in the specific Select Health plan's network before enrolling.

Understanding Your Health Insurance Options in Clearfield

Clearfield residents have access to the federal health insurance marketplace, HealthCare.gov, to enroll in health plans. Through this platform, you can compare plans from various carriers, including Select Health, and determine your eligibility for financial assistance.

Marketplace Plan Tiers

Health insurance plans on HealthCare.gov are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share costs, not the quality of care:

Bronze plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They cover 60% of costs, on average, after your deductible is met, making them suitable for those who expect minimal medical care and want to keep monthly costs low.
Silver plans: Silver plans strike a balance with moderate premiums and deductibles. They cover 70% of costs, on average. Crucially, if you qualify for cost-sharing reductions (CSRs), Silver plans offer enhanced benefits like lower deductibles, copayments, and out-of-pocket maximums, making them an excellent value for those with lower incomes.
Gold plans: Offering higher monthly premiums than Bronze or Silver, Gold plans have lower deductibles and out-of-pocket maximums. They cover 80% of costs, on average, and are ideal for individuals who expect to use medical services frequently and prefer predictable costs.

PPO plans are not available on-exchange in Utah. Your marketplace choice will be between HMO and EPO network types.

Financial Assistance for Select Health Plans in Clearfield

Many Clearfield residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms when enrolling through HealthCare.gov:

Premium Tax Credits (Subsidies)

Premium tax credits, also known as subsidies, reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for these credits. These tax credits can be applied directly to your premium each month, lowering your out-of-pocket costs.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). CSRs lower the amount you have to pay for deductibles, copayments, and coinsurance. These benefits are only available with Silver-tier plans, making them particularly valuable for eligible individuals and families. For example, a Silver plan with CSRs might have a deductible similar to a Gold plan, but with a lower premium.

Utah Medicaid and CHIP

Utah expanded Medicaid in 2020, meaning adults with household income up to 138% FPL may qualify for Utah Medicaid. This provides comprehensive, low-cost or free health coverage. Additionally, pregnant women with income up to 144% FPL can qualify for Utah Medicaid, covering prenatal care, labor, delivery, and postpartum care. Uninsured children in households up to 200% FPL may be eligible for the Children's Health Insurance Program (CHIP). These programs are crucial safety nets for many Clearfield residents.

Health Insurance Carriers in Clearfield

Clearfield is located in Davis County, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, four carriers offer marketplace plans in Rating Area 3, providing a competitive selection for residents:

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

When choosing a plan, it's important to compare not only premiums but also network access, deductibles, copayments, and the specific benefits offered by each carrier. Clearfield, Utah, with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, is situated within Davis County, a larger area with 370,924 residents. Residents in Rating Area 3 have access to several major healthcare facilities, including Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Selecting a plan from a carrier like Select Health that partners with these local systems can ensure convenient access to care.

How to Choose the Right Select Health Plan

Choosing the right health plan, whether from Select Health or another carrier, depends on your individual health needs, financial situation, and preferences. Consider these factors:

Your expected medical needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold plan with lower out-of-pocket costs might be more cost-effective despite higher premiums. If you rarely visit the doctor, a Bronze plan could save you money on monthly premiums.
Your budget: Balance monthly premiums with potential out-of-pocket expenses like deductibles and copayments. Remember that subsidies can significantly reduce premiums.
Doctor and hospital preferences: Check if your preferred doctors, specialists, and hospitals are in the network of the Select Health plan you are considering. For HMO plans, ensure your primary care provider is included and understand the referral process.
Prescription drug coverage: Review the plan's formulary to ensure your necessary medications are covered and understand their cost-sharing structure.

An independent licensed health insurance producer can help you compare Select Health plans side-by-side with other carriers, ensuring you find the best fit for your circumstances at no additional cost.

Frequently Asked Questions

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

In Clearfield, Select Health offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that can significantly reduce the cost of a Select Health plan purchased on HealthCare.gov. Those below 138% FPL may qualify for Utah Medicaid.

Are there other health insurance carriers besides Select Health in Clearfield?

Yes, Clearfield residents in Rating Area 3 have a choice of four carriers on HealthCare.gov for 2026. In addition to Select Health, these include BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans.

Does Utah have expanded Medicaid?

Yes, Utah expanded its Medicaid program in 2020. This means adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage through Utah Medicaid.

What hospitals can I access with a Select Health plan in Davis County?

Select Health plans generally provide access to a network of hospitals in Davis County, which may include facilities like Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Always confirm specific hospital and provider networks for your chosen plan.