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

Select Health Insurance Plans in Clinton, Utah

Select Health is one of 4 carriers offering marketplace plans in Clinton, Utah's Rating Area 3 for 2026.
Utah's marketplace, HealthCare.gov, offers HMO and EPO plans; PPO plans are not available on-exchange.
Adults in Clinton with income up to 138% FPL qualify for Utah Medicaid, which expanded in 2020.
Clinton's uninsured rate is 6.2%, slightly higher than Davis County's 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.
Premium tax credits are available for households between 100% and 400% FPL to lower monthly costs.

Navigating health insurance options in Clinton, Utah, involves understanding the plans available through HealthCare.gov, especially those offered by prominent local carriers like Select Health. For residents of Clinton and surrounding Davis County, Select Health provides a range of plans designed to meet various healthcare needs. Utah's marketplace operates differently from some other states, primarily offering Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. This article will help you understand your options, including how to enroll, potential financial assistance, and local healthcare resources.

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What Are Your Health Insurance Options in Clinton?

In Clinton, residents primarily access health insurance through HealthCare.gov, the federal marketplace. The plans available are categorized by metal tiers—Bronze, Silver, Gold, and Platinum—each offering different levels of cost-sharing. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket costs, making them suitable for those who anticipate minimal healthcare use. Silver plans balance premiums with out-of-pocket costs and are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which significantly lower deductibles, copayments, and maximum out-of-pocket limits. Gold and Platinum plans feature higher premiums but lower out-of-pocket costs, ideal for those who expect frequent medical care. It's important to note that in Utah, marketplace choices are limited to HMO and EPO network structures. PPO plans are not available on-exchange, meaning that if you seek a PPO, you would need to explore off-marketplace options, which do not qualify for federal subsidies. For individuals and families in Clinton, understanding these plan types is crucial for making an informed decision about coverage that aligns with their healthcare needs and budget.

Understanding Subsidies and Financial Assistance

Many Clinton residents qualify for financial assistance to make health insurance more affordable. Premium tax credits, also known as 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 payments. Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver plan. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making healthcare more accessible and affordable. For example, a single person in Clinton earning $30,000 annually (approximately 200% FPL in 2026) would likely qualify for substantial premium tax credits and CSRs, allowing them to access comprehensive coverage at a much lower effective cost.

Select Health and Other Carriers in Clinton

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. For Clinton residents, Select Health is a key provider, known for its strong presence in Utah. The confirmed marketplace carriers for Clinton, Utah, and the broader Rating Area 3 include:

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 only the premiums and cost-sharing but also the network of doctors and hospitals. Verify that your preferred primary care physician, specialists, and local hospitals, such as Holy Cross Hospital-davis or Lakeview Hospital, are included in the plan's network before enrolling.

Utah Medicaid and CHIP Eligibility in Clinton

Utah expanded its Medicaid program in 2020 through Proposition 3, a significant change that has broadened access to affordable healthcare for many residents. For adults in Clinton, this means that if your household income is at or below 138% of the Federal Poverty Level, you may qualify for Utah Medicaid. This program provides comprehensive health coverage with little to no out-of-pocket costs. Beyond standard adult Medicaid, Utah also offers specific programs for vulnerable populations:

Pregnant Women: Pregnant individuals with household incomes up to 144% FPL are eligible for Utah Medicaid, covering prenatal care, labor, delivery, and postpartum services.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for the Children's Health Insurance Program (CHIP), ensuring access to essential medical care.

Clinton, Utah, part of Davis County, has a population of 23,612 with a median income of $116,194, and an uninsured rate of 6.2% per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly higher than Davis County's overall uninsured rate of 5.7%, indicating a continued need for accessible and affordable health coverage options. Residents who fall within these income guidelines should apply for Utah Medicaid or CHIP through the state's official portal at medicaid.utah.gov.

Local Healthcare Resources in Davis County

Clinton residents benefit from access to several acute care hospitals within Davis County. These facilities serve the broader Rating Area 3, which includes Salt Lake, Summit, Tooele, and Wasatch counties, demonstrating a robust healthcare infrastructure. Hospitals in Davis County include:

Holy Cross Hospital-davis (Layton)
Lakeview Hospital (Bountiful)
Intermountain Health Layton Hospital (Layton)
Western Peaks Specialty Hospital (Bountiful)

When selecting a Select Health plan, or any other plan, it is vital to ensure that these local hospitals and your preferred doctors are part of the plan's network. Access to in-network care minimizes out-ofpocket costs and ensures continuity of care.

Making Your Health Insurance Decision in Clinton

Choosing the right health insurance plan in Clinton, Utah, depends on several factors, including your household income, anticipated healthcare needs, and preferred providers. Consider these steps to make an informed decision:

Determine Eligibility for Financial Help: Use HealthCare.gov or consult a licensed agent to estimate your eligibility for premium tax credits and Cost-Sharing Reductions based on your income.
Review Plan Types: Decide between an HMO or EPO plan based on your preference for network flexibility and referral requirements. Remember, PPO plans are not available on-exchange in Utah.
Compare Metal Tiers: Evaluate Bronze, Silver, and Gold plans. If you qualify for CSRs, a Silver plan often provides the best value.
Check Provider Networks: Confirm that your doctors and local hospitals, such as Holy Cross Hospital-davis, are in-network for any plan you consider.
Consider Utah Medicaid: If your income is below 138% FPL, explore Utah Medicaid as a comprehensive, low-cost option.

A licensed health insurance producer can provide personalized guidance, clarify plan details, and help you navigate the enrollment process at no cost to you. They can assist in comparing Select Health plans against other available options to find the best fit for your family's needs.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Clinton, Utah?

In Clinton, Utah, Select Health offers plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on the marketplace in Utah. These plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, and mental health services.

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

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 premiums for a Select Health plan. Enhanced subsidies are also available for those earning up to 150% FPL, potentially reducing premiums to zero for Silver plans. A licensed agent can help you determine your exact subsidy eligibility.

What hospitals in Davis County are likely covered by Select Health plans?

Select Health plans typically contract with major healthcare systems. In Davis County, this would likely include facilities such as Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, and Intermountain Health Layton Hospital. It is always important to verify specific network coverage for any plan before enrollment to ensure your preferred providers and hospitals are included.

Does Utah have expanded Medicaid, and can I qualify for it in Clinton?

Yes, Utah expanded Medicaid in 2020. Adults in Clinton with household income up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, which provides comprehensive, low-cost health coverage. Pregnant women can qualify up to 144% FPL, and children through CHIP up to 200% FPL. You can apply through the Utah Medicaid portal.