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

Select Health Insurance Plans in Garfield County, Utah

In 2026, 2 carriers, including Select Health, offer marketplace plans in Garfield County's Rating Area 6.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).
Garfield County has a population of 5,219 and an uninsured rate of 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace plans in Utah, including Select Health, are available as HMO and EPO network types; PPO plans are not offered on-exchange.

For residents of Garfield County, Utah, securing affordable and comprehensive health insurance is a critical step towards maintaining health and financial security. Select Health is one of the key providers offering plans on the HealthCare.gov marketplace in your area for the 2026 plan year. Navigating the options available can seem complex, but understanding the types of plans, potential financial assistance, and local provider networks can simplify the process significantly. This article will guide you through the specifics of obtaining Select Health coverage, the subsidies that can lower your costs, and how Utah's Medicaid expansion impacts eligibility for residents of Garfield County.

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What Health Insurance Options Does Select Health Offer in Garfield County?

Select Health offers a range of health insurance plans through HealthCare.gov for residents of Garfield County. These plans are structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your marketplace choice will be between HMO and EPO network structures. HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. HMOs often have lower monthly premiums and out-of-pocket costs but offer less flexibility in choosing doctors outside the network. EPO Plans: EPOs offer more flexibility than HMOs, allowing you to see specialists without a referral, but you must stay within the plan's network for services to be covered. Out-of-network care is generally not covered, except in emergencies. When considering a Select Health plan, it's important to review the specific plan details to understand its network, formulary (covered prescription drugs), and cost-sharing requirements.

Understanding Financial Assistance and Subsidies in Garfield County

Many Garfield County residents qualify for financial assistance to make their health insurance more affordable. These subsidies are available through HealthCare.gov and can significantly reduce your monthly premiums and out-of-pocket costs.

Premium Tax Credits (APTCs)

Advanced Premium Tax Credits (APTCs) lower your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for these credits. The exact amount of your subsidy will depend on your income, household size, and the cost of the benchmark Silver plan in Rating Area 6.

Cost-Sharing Reductions (CSRs)

Cost-Sharing Reductions (CSRs) help lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available if you choose a Silver-tier plan and have a household income up to 250% FPL. These reductions make Silver plans particularly valuable for eligible individuals, as they provide richer benefits than standard Silver plans at the same premium cost. To determine your eligibility for these subsidies, you will need to provide accurate income and household information when applying through HealthCare.gov.

Utah Medicaid and CHIP Eligibility in Garfield County

Utah expanded its Medicaid program 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.

Medicaid for Adults

Adults in Garfield County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive health benefits with little to no cost. Because Utah has expanded Medicaid, there is no "coverage gap" for adults with incomes below 100% FPL who would otherwise not qualify for marketplace subsidies.

Medicaid for Pregnant Women and Children (CHIP)

Utah also offers specific Medicaid programs for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery, and postpartum care. This threshold is slightly higher than the standard adult Medicaid line, providing crucial support during pregnancy.
Children's Health Insurance Program (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah CHIP, ensuring they receive necessary medical care.

Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Garfield County

Garfield County is part of Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In 2026, 2 carriers offer marketplace plans in Rating Area 6. These carriers provide a range of HMO and EPO plans designed to meet the diverse needs of residents. The confirmed carriers for Garfield County's Rating Area 6 are:

Select Health
University of Utah Health Plans

When choosing a plan, consider factors such as monthly premiums, deductibles, out-of-pocket maximums, and whether your preferred doctors and hospitals are in-network for each carrier. Garfield County, with a population of 5,219, has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for acute care. The county's median income is $61,875, and it faces an uninsured rate of 12.2%, per U.S. Census Bureau ACS 2024 5-year estimates. This relatively high uninsured rate underscores the importance of accessible and affordable health insurance options from carriers like Select Health and University of Utah Health Plans.

Choosing the Right Select Health Plan for You

Selecting the best health insurance plan involves evaluating your specific healthcare needs, financial situation, and preferences. Here’s a guide to help you decide:

Income Level (FPL)	Recommendation	Key Benefit
Below 138% FPL	Apply for Utah Medicaid	Comprehensive, low-cost coverage; Utah expanded Medicaid in 2020.
100% - 250% FPL	Consider Silver plans with Cost-Sharing Reductions (CSRs)	Lower deductibles, copayments, and out-of-pocket maximums; significant savings.
250% - 400% FPL	Utilize Premium Tax Credits (APTCs) on Bronze, Silver, or Gold plans	Reduced monthly premiums; choose plan tier based on expected healthcare use.
Above 400% FPL	Explore all plan tiers on HealthCare.gov or off-exchange plans	No subsidies, but can still find plans that fit needs and budget.

If you anticipate frequent doctor visits or require specific medications, a Gold or Silver plan might be more cost-effective despite higher premiums, due to lower out-of-pocket costs. If you are generally healthy and primarily want protection against catastrophic medical events, a Bronze plan with a lower premium might be suitable. Remember that all marketplace plans cover essential health benefits, regardless of the metal tier.

Frequently Asked Questions

What types of health plans does Select Health offer in Garfield County?

In Garfield County, Select Health offers health insurance plans with HMO and EPO network structures on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for a Select Health plan in Garfield County?

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 costs for Select Health plans through HealthCare.gov. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose Silver-tier plans.

Is Medicaid available in Garfield County, Utah?

Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive, low-cost health coverage. Pregnant women up to 144% FPL and children up to 200% FPL may also qualify for state programs.

How do I enroll in a Select Health plan in Garfield County?

You can enroll in a Select Health plan during the annual Open Enrollment Period through HealthCare.gov. If you experience a qualifying life event outside of this period, such as losing other coverage, getting married, or having a baby, you may be eligible for a Special Enrollment Period.