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

Select Health Insurance Plans in Herriman, Utah for 2026

Select Health is one of 5 carriers offering marketplace plans in Herriman's Rating Area 3 for 2026.
Herriman residents can choose between HMO and EPO plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
Financial assistance, including premium tax credits and cost-sharing reductions, is available through HealthCare.gov for eligible incomes.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL through CHIP.

Navigating health insurance options in Herriman, Utah, particularly when looking for specific carriers like Select Health, involves understanding local availability, plan types, and potential financial assistance. For 2026, Select Health continues to be a key provider in Herriman, offering plans designed to meet various healthcare needs. Residents should focus on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as these are the primary types available on Utah's federal marketplace, HealthCare.gov. Selecting the right plan requires evaluating your healthcare usage, preferred doctors, and budget to ensure comprehensive coverage.

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What Select Health Plans Are Available in Herriman, Utah?

In Herriman, Select Health offers a range of health insurance plans through HealthCare.gov for the 2026 plan year. These plans are structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers in Herriman will choose between HMO and EPO options. HMO plans typically require you to choose a primary care physician (PCP) within the network who then refers you to specialists. EPO plans offer more flexibility than HMOs by not requiring a PCP referral for specialists, but they generally do not cover out-of-network care except in emergencies. Both plan types emphasize coordinated care within their specific networks, which include many of the major hospitals and healthcare providers in Salt Lake County.

Understanding Plan Tiers and Costs

Select Health, like other carriers on the marketplace, offers plans across different metal tiers: Bronze, Silver, Gold, and Platinum. These tiers categorize plans by how you and your insurance company share costs:

Metal Tier	Coverage Level	Key Features for Select Health Plans
Bronze	Covers approximately 60% of costs; you pay about 40%	Lowest monthly premiums, but higher deductibles and out-of-pocket maximums. Best for those who anticipate minimal healthcare use or want catastrophic coverage.
Silver	Covers approximately 70% of costs; you pay about 30%	Moderate premiums and deductibles. Ideal for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower out-of-pocket costs.
Gold	Covers approximately 80% of costs; you pay about 20%	Higher monthly premiums, but lower deductibles and out-of-pocket maximums. Good for those who expect to use healthcare services frequently.

The specific costs for Select Health plans in Herriman will vary based on your age, income, household size, and the chosen plan's metal tier. Residents of Herriman, per U.S. Census Bureau ACS 2024 5-year estimates, have a median household income of $122,650 and an uninsured rate of 2.8%, indicating a relatively well-insured community with diverse income levels.

Financial Assistance for Select Health Plans in Herriman

Many Herriman residents may qualify for financial assistance to make Select Health plans more affordable. This assistance is available through HealthCare.gov in the form of Premium Tax Credits (subsidies) and Cost-Sharing Reductions (CSRs).

Herriman, Utah is part of Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. This rating area serves a population of 1,196,523 in Salt Lake County alone, with a median age of 34.0 years and a poverty rate of 8.1% per U.S. Census Bureau ACS 2024 5-year estimates. This diverse demographic ensures a broad range of income levels that may qualify for assistance.

Premium Tax Credits (Subsidies)

If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Premium Tax Credits. These credits directly reduce your monthly premium payment. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

For those with incomes up to 250% of the FPL, Cost-Sharing Reductions are available. CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. These reductions can make a significant difference in your total healthcare expenses, especially if you anticipate needing regular medical care.

Utah Medicaid and CHIP for Herriman Residents

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. Adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This comprehensive program provides coverage with no monthly premiums and minimal out-of-pocket costs. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL. This includes essential prenatal care, labor and delivery services, and postpartum care. Uninsured children in households with incomes up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Herriman

For the 2026 plan year, Herriman residents in Rating Area 3 have a choice of health insurance plans from 5 confirmed carriers on HealthCare.gov. These carriers offer a variety of HMO and EPO plans to suit different needs and budgets. The carriers confirmed to offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, are:

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

When considering a Select Health plan, it is advisable to compare its offerings with those from other carriers to ensure you select the best fit for your specific healthcare needs and financial situation.

Understanding Select Health Network Hospitals in Salt Lake County

Select Health plans in Herriman utilize a network of hospitals and providers primarily within Salt Lake County. Major hospitals in the county that are typically part of a comprehensive network include:

Holy Cross Hospital - Salt Lake (Salt Lake City)
Lds Hospital (Salt Lake City)
University of Utah Hospital and Clinics (Salt Lake City)
Intermountain Medical Center (Murray)
Intermountain Health Alta View Hospital (Sandy)
St Mark's Hospital (Salt Lake City)
Holy Cross Hospital-jordan Valley (West Jordan)
Intermountain Health Riverton Hospital (Riverton)
Lone Peak Hospital (Draper)
Primary Children's Hospital (Salt Lake City)

It is crucial to verify that your preferred doctors and any specific hospitals you wish to use are in-network with the particular Select Health plan you choose before enrolling. This is especially important for HMO and EPO plans, where out-of-network care may not be covered or may come at a much higher cost.

Making Your Health Insurance Decision in Herriman

Choosing the right health insurance plan, whether from Select Health or another carrier, involves several key considerations. Here's a guide to help Herriman residents make an informed decision:

Assess Your Income: Determine if your household income qualifies you for Premium Tax Credits or Cost-Sharing Reductions. This can significantly impact your monthly premiums and out-of-pocket costs.
Evaluate Healthcare Needs: Consider how often you expect to use medical services, if you have specific doctors you want to keep, or if you take prescription medications regularly. This will help you decide between a Bronze, Silver, or Gold plan.
Understand Plan Types: Remember that in Utah, marketplace plans are primarily HMOs and EPOs. Understand the differences in network restrictions and referral requirements.
Compare Carriers: While this article focuses on Select Health, compare their offerings with BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans to find the best value and coverage.
Check Networks: Always confirm that your preferred doctors, specialists, and hospitals are in-network with the specific plan you are considering.

A licensed health insurance producer can provide personalized guidance, help you compare plans, and assist with the enrollment process on HealthCare.gov, all at no cost to you.

Frequently Asked Questions

What type of plans does Select Health offer in Herriman, Utah?

In Herriman, Select Health primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the Utah marketplace.

Can I get financial help for Select Health plans in Herriman?

Yes, individuals and families in Herriman with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for subsidies (Premium Tax Credits) to lower their monthly premiums when enrolling through HealthCare.gov. Those with incomes up to 250% FPL may also qualify for Cost-Sharing Reductions.

Which hospitals in Salt Lake County are typically in-network with Select Health?

Select Health plans typically include major hospital systems in Salt Lake County such as Intermountain Medical Center, University of Utah Hospital and Clinics, and Holy Cross Hospital - Salt Lake. It's always essential to verify specific provider and hospital network affiliations for your chosen plan.

Is Medicaid an option if I can't afford a Select Health plan?

Yes, Utah expanded Medicaid in 2020. Adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL for CHIP.