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

Select Health Health Insurance Options in Farmington, Utah

Select Health is one of 4 carriers offering marketplace plans in Farmington's Rating Area 3 in 2026.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPOs are not available for subsidized coverage.
Farmington's uninsured rate is 2.5%, significantly lower than the Davis County average of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates.
Utah Medicaid expanded in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.

Navigating health insurance options in Farmington, Utah, particularly with a specific carrier like Select Health, involves understanding local availability, plan types, and financial assistance. In Farmington, Select Health offers plans through HealthCare.gov, the federal marketplace serving Utah. These plans are structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs), as PPO plans are not available on-exchange in Utah. Residents may qualify for significant subsidies, depending on income, to reduce monthly premiums and out-of-pocket costs.

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What Types of Select Health Plans Are Available in Farmington?

For Farmington residents seeking health insurance through HealthCare.gov, Select Health primarily offers HMO and EPO plans. These network structures define how you access care:

Health Maintenance Organization (HMO): These plans typically require you to choose a primary care provider (PCP) within the network. Your PCP then coordinates all your care and provides referrals to specialists. HMOs often have lower monthly premiums and out-of-pocket costs but offer less flexibility in choosing providers.
Exclusive Provider Organization (EPO): EPO plans offer more flexibility than HMOs, as you typically don't need a referral to see a specialist. However, you must stay within the plan's network for care to be covered, except in emergencies. If you go out-of-network, you usually pay the full cost.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. While PPO plans offer the most flexibility in provider choice, those seeking subsidized coverage in Farmington will choose between HMO and EPO options from Select Health and other carriers.

Understanding Financial Assistance and Utah Medicaid

Many Farmington residents can significantly reduce their health insurance costs through subsidies available on HealthCare.gov. These subsidies, known as Advance Premium Tax Credits (APTCs), are based on your household income and can lower your monthly premiums. Cost-Sharing Reductions (CSRs) may also be available to those with lower incomes, reducing deductibles, copayments, and out-of-pocket maximums, particularly with Silver-tier plans. Utah expanded its Medicaid program in 2020, significantly impacting eligibility for low-income adults. Farmington residents with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, ensuring a pathway to coverage for many low-income individuals. Specific Medicaid thresholds for Utah include:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL
Children (CHIP): Up to 200% FPL

These programs provide essential health benefits with little to no cost, making them a vital safety net for vulnerable populations in Farmington and across Utah.

Health Insurance Carriers in Farmington

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. Farmington, located in Davis County, is part of this rating area. The confirmed carriers for this region are:

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

When evaluating plans, consider not only the monthly premium but also the network of doctors and hospitals. Farmington, with a population of 25,389 and an uninsured rate of 2.5% per U.S. Census Bureau ACS 2024 5-year estimates, is served by this competitive marketplace. Davis County, which encompasses Farmington, has four acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful, providing a range of local healthcare options.

Choosing the Right Select Health Plan in Farmington

Selecting the best Select Health plan depends on your individual health needs, financial situation, and preferred access to care. Here's a guide to help Farmington residents make an informed decision:

If you prioritize low monthly premiums: Consider Bronze or Expanded Bronze plans. These have lower premiums but higher deductibles and out-of-pocket costs. They are suitable if you anticipate needing minimal medical care or want coverage primarily for catastrophic events.
If you qualify for Cost-Sharing Reductions (CSRs): Silver plans are often the best value. If your income is below 250% FPL, CSRs can significantly reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans much more comprehensive than their standard counterparts.
If you have moderate healthcare needs: Gold plans offer a good balance of premiums and out-of-pocket costs. They typically have lower deductibles and copayments than Bronze or Silver plans, making them suitable if you expect to use healthcare services regularly.
If you have high anticipated healthcare needs: Platinum plans have the highest premiums but the lowest out-of-pocket costs, often with no deductible for many services. These are ideal for individuals with chronic conditions or those who anticipate significant medical expenses.
If you are under 30 or have a hardship exemption: Catastrophic plans offer very low premiums and cover essential health benefits, but with a very high deductible. They are designed for emergency care and are not eligible for subsidies.

Farmington, Utah, located in Davis County, is part of Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. This region offers a robust marketplace for health insurance shoppers. The city itself boasts a median income of $127,338 and a median age of 32.6 years, indicating a relatively affluent and young population. For specific guidance tailored to your situation and to compare Select Health plans side-by-side, consulting with a licensed health insurance producer is a valuable, free resource.

Frequently Asked Questions

Can I get a Select Health PPO plan in Farmington, Utah?

No, PPO plans are not available on-exchange in Utah for marketplace shoppers. In Farmington, you will find Select Health plans structured as HMOs and EPOs. PPO plans may be available off-exchange, but without subsidy eligibility.

What income qualifies for Utah Medicaid in Farmington?

Utah expanded Medicaid in 2020. Adults in Farmington with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult earning up to approximately $20,782 annually in 2024 would be eligible.

How does Farmington's uninsured rate compare to Davis County?

Farmington has a significantly lower uninsured rate at 2.5% compared to Davis County's 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This suggests a higher rate of coverage within the city itself.

Where can I apply for Select Health plans or financial assistance?

You can apply for Select Health plans and determine your eligibility for subsidies through HealthCare.gov, the federal marketplace for Utah. A licensed health insurance producer can also assist you with this process at no cost.