Select Health Insurance Plans in Draper, Utah

Select Health is one of 5 confirmed carriers offering marketplace plans in Draper's Rating Area 3 for 2026.
Draper residents primarily choose between HMO and EPO plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
Individuals and families in Draper with incomes between 100% and 400% FPL may qualify for significant subsidies on Select Health plans.
Utah expanded Medicaid in 2020, providing coverage for adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL.

Navigating health insurance options in Draper, Utah, can be streamlined by understanding the local marketplace, particularly when considering carriers like Select Health. For 2026, Select Health is a key provider in Rating Area 3, which encompasses Salt Lake County where Draper is located, along with Davis, Summit, Tooele, and Wasatch counties. This article focuses on what Draper residents need to know about securing health coverage through Select Health and other available options, including how financial assistance and Utah Medicaid can make plans more affordable.

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What Health Insurance Options Does Select Health Offer in Draper?

In Draper, as across Utah's HealthCare.gov marketplace, Select Health offers a range of health insurance plans designed to meet diverse needs. For 2026, the primary plan types available on-exchange are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not offered on-exchange in Utah, meaning marketplace shoppers will select from HMO and EPO network structures. These plans vary by metal tier (Bronze, Silver, Gold, Platinum), each offering a different balance of monthly premiums versus out-of-pocket costs. Select Health plans emphasize preventative care and coordinated services, typically requiring members to select a primary care provider (PCP) within their network for HMO plans, who then refers them to specialists. EPO plans offer more flexibility to see specialists without a referral, provided they are within the plan's network. Understanding the specific network for any Select Health plan is crucial, especially for residents of Draper who may wish to access local facilities like Lone Peak Hospital or other major providers in Salt Lake County.

Understanding Metal Tiers and Subsidies

When choosing a Select Health plan, the metal tier influences both premiums and cost-sharing:

Bronze Plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage and are suitable for individuals who expect to use medical services infrequently.
Silver Plans: Provide a balance of moderate premiums and out-of-pocket costs. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which significantly lower deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans and for those with incomes up to 250% of the Federal Poverty Level.
Gold Plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs, making them suitable for those who anticipate more frequent medical care.
Platinum Plans: Have the highest premiums but the lowest out-of-pocket costs, covering a significant portion of medical expenses. These are ideal for individuals with extensive healthcare needs.

Most Draper residents with household incomes between 100% and 400% of the Federal Poverty Level (FPL) will qualify for premium tax credits (subsidies) to reduce their monthly premiums, making all metal tiers more affordable.

Health Insurance Carriers in Draper

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Draper, located in Salt Lake County, has access to plans from these confirmed providers:

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

Draper, a city with a population of 50,278 and a median household income of $128,910 per U.S. Census Bureau ACS 2024 5-year estimates, offers a competitive marketplace. These carriers provide various HMO and EPO plans on HealthCare.gov, allowing residents to compare options based on network, cost, and specific benefits. For example, Salt Lake County is served by 10 acute care hospitals, including the local Lone Peak Hospital in Draper, and major systems like University of Utah Hospital and Clinics and Intermountain Medical Center in Murray. It is essential to verify that your chosen plan's network includes your preferred doctors and facilities.

Understanding Utah Medicaid Eligibility for Draper Residents

Utah expanded Medicaid in 2020 through a ballot initiative, making health coverage accessible to more residents. This is a critical difference from states that have not expanded Medicaid. For Draper residents, this means:

Adults: Individuals with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This eliminates any "coverage gap" that exists in non-expansion states.
Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, providing comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): Uninsured children in households with income up to 200% FPL are eligible for Utah's Children's Health Insurance Program (CHIP).

Eligibility for Utah Medicaid is determined based on household income relative to the FPL. For example, a single adult in Draper earning below 138% FPL would likely qualify. Applications can be submitted through Utah's Medicaid portal at medicaid.utah.gov.

Making Your Health Insurance Decision in Draper

Choosing the right health insurance plan in Draper involves evaluating your income, health needs, and preferred providers. Here's a guide to help you decide:

If your income is below 138% FPL: You will likely qualify for Utah Medicaid. This provides comprehensive, low-cost coverage. Apply directly through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits on HealthCare.gov. Consider Silver plans if your income is below 250% FPL, as you may also qualify for Cost-Sharing Reductions, significantly lowering your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov, but you won't qualify for subsidies. Focus on comparing the monthly premiums and deductibles of Bronze, Silver, and Gold plans from carriers like Select Health, BridgeSpan Health Company, or University of Utah Health Plans.

Draper, Utah, with its 4.7% uninsured rate, significantly lower than Salt Lake County's 9.2% average, demonstrates a strong commitment to coverage. However, navigating the marketplace and understanding your specific options can still be challenging. A licensed health insurance producer can provide free, unbiased assistance to compare plans, check provider networks, and help you enroll in the best option for your family.

Frequently Asked Questions

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

In Draper, Select Health, like other marketplace carriers, primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on the HealthCare.gov marketplace in Utah. These plans focus on in-network care through defined provider networks.

Can I get financial assistance for Select Health plans in Draper?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to reduce your monthly premiums. Individuals with income up to 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) to lower out-of-pocket costs, particularly with Silver-tier plans.

Does Select Health cover Lone Peak Hospital in Draper?

Select Health plans typically have extensive networks in Utah. To confirm if Lone Peak Hospital or other specific facilities like Intermountain Health Alta View Hospital are in-network for a particular Select Health plan, you should check the plan's provider directory or contact Select Health directly. This is crucial for ensuring coverage for local care.

What are the income limits for Medicaid in Utah for Draper residents?

Utah expanded Medicaid in 2020, meaning adults in Draper with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold is higher, at 144% FPL, and for children via CHIP, it's up to 200% FPL. Unlike some states, Utah does not have a 'coverage gap' for those below 100% FPL.