Select Health Insurance Plans in Davis County, Utah
- Select Health is one of 4 carriers offering marketplace health plans in Rating Area 3, which includes Davis County, for the 2026 plan year.
- Marketplace plans from Select Health in Davis County primarily feature HMO and EPO network structures; PPO plans are not available on-exchange in Utah.
- Davis County's uninsured rate is 5.7%, significantly lower than the state average, reflecting strong access to coverage options.
- Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify for comprehensive coverage.
- Financial assistance through HealthCare.gov can significantly reduce monthly premiums for eligible Davis County residents, with subsidies available for incomes up to 400% FPL.
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What Select Health Plans Are Available in Davis County?
In Davis County, Select Health participates in Utah's HealthCare.gov marketplace, offering a variety of plans across different metal tiers. These plans are structured primarily as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. This means that for most plans, you will need to choose a primary care provider (PCP) within the network and obtain referrals for specialists (HMO), or stay within the network for all care (EPO), outside of emergencies. PPO plans are not available on-exchange in Utah, so your marketplace choice will typically be between HMO and EPO options. Select Health plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs:- Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who expect to use medical services infrequently and primarily want protection against catastrophic costs.
- Silver Plans: Offering a moderate balance of premiums and out-of-pocket costs, Silver plans are popular because they are the only tier eligible for Cost-Sharing Reductions (CSRs). If your income qualifies, CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a strong value.
- Gold Plans: With higher monthly premiums than Silver plans, Gold plans offer lower deductibles and out-of-pocket maximums. They are suitable for individuals who anticipate needing more medical care and prefer to pay more upfront for lower costs when they receive services.
- Catastrophic Plans: Available to individuals under 30 or those with a hardship exemption, these plans have very low premiums and very high deductibles, primarily covering essential health benefits after the deductible is met.
Understanding Financial Assistance for Select Health Plans in Davis County
Many Davis County residents can significantly reduce the cost of Select Health insurance through financial assistance programs available via HealthCare.gov. These subsidies make health insurance more affordable and accessible.Premium Tax Credits (PTC)
Premium Tax Credits are federal subsidies that lower your monthly health insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% of the FPL may qualify for these credits. These credits can be applied directly to your premium each month, reducing the amount you pay out-of-pocket.Cost-Sharing Reductions (CSR)
Cost-Sharing Reductions are additional subsidies that lower the amount you have to pay for deductibles, copayments, and coinsurance. CSRs are available only with Silver tier plans and are for individuals and families with incomes between 100% and 250% of the FPL. If you qualify for CSRs, a Silver plan becomes particularly valuable because it offers a lower out-of-pocket maximum and reduced costs for medical services compared to a standard Silver plan.Medicaid in Utah
Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost or free health coverage through Utah Medicaid. Unlike states without expansion, Davis County residents who fall within this income range will not experience a "coverage gap" and can access essential health benefits. Utah Medicaid also covers pregnant women with incomes up to 144% FPL and children through CHIP up to 200% FPL. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.Health Insurance Carriers in Davis County
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. These carriers provide a range of options for residents seeking coverage through HealthCare.gov. The confirmed local carriers for this rating area are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Select Health Plan in Davis County
Selecting the ideal Select Health plan in Davis County involves considering several factors specific to your situation:- Your Income and Subsidies: If your income is between 100% and 400% FPL, you likely qualify for Premium Tax Credits. If your income is between 100% and 250% FPL, a Silver plan with Cost-Sharing Reductions will offer the best value by lowering your out-of-pocket costs.
- Expected Medical Needs: If you anticipate frequent doctor visits 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 primarily want protection against emergencies, a Bronze plan could be suitable.
- Doctor and Hospital Preferences: Ensure that your preferred doctors, specialists, and hospitals are within the Select Health network for the plan you choose. While Select Health generally has a broad network in Utah, confirming provider inclusion is essential for HMO and EPO plans.
- Prescription Drug Coverage: Review the formulary of any potential plan to ensure your necessary medications are covered and understand their cost-sharing structure.
Frequently Asked Questions
What types of Select Health plans are available in Davis County?
In Davis County, Select Health offers health insurance plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.
Can I get financial help for a Select Health plan in Davis County?
Yes, many Davis County residents qualify for subsidies (Premium Tax Credits and Cost-Sharing Reductions) to lower the cost of Select Health marketplace plans. Eligibility depends on your household income relative to the Federal Poverty Level.
How does Medicaid work with Select Health plans in Davis County?
Utah expanded Medicaid in 2020. If your income is below 138% of the Federal Poverty Level, you may qualify for Utah Medicaid, which offers comprehensive, low-cost coverage. Those above this threshold, up to 400% FPL, may qualify for marketplace subsidies to reduce the cost of a Select Health plan.
Which hospitals in Davis County accept Select Health plans?
While specific network details vary by plan, Select Health plans typically contract with major local healthcare providers. In Davis County, this includes facilities like Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, and Intermountain Health Layton Hospital in Layton.
When can I enroll in a Select Health plan?
The primary enrollment period is during Open Enrollment, which typically runs from November 1st to January 15th each year for coverage starting the following year. Outside of Open Enrollment, you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as marriage, birth of a child, or loss of other coverage.