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

Select Health Insurance Plans in Highland, Utah for 2026

Select Health is one of 5 carriers offering marketplace plans in Utah Rating Area 4 for 2026.
Highland residents can choose between HMO and EPO plans; PPO plans are not available on-exchange in Utah.
Utah has expanded Medicaid, providing coverage for adults up to 138% of the Federal Poverty Level (FPL).
The uninsured rate in Highland is 4.4%, significantly lower than the Utah County average of 7.5%, per U.S. Census Bureau ACS 2024 5-year estimates.
Potential subsidies are available through HealthCare.gov to reduce monthly premiums and out-of-pocket costs.

Navigating health insurance options in Highland, Utah, for 2026 involves understanding the plans available through HealthCare.gov, especially those offered by Select Health. As a prominent insurer in Utah, Select Health provides a range of plans designed to meet diverse needs, primarily through Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. Residents of Highland, located in Utah County, have access to these plans and may qualify for financial assistance, such as premium tax credits and cost-sharing reductions, depending on their household income. It is important to compare plan benefits, deductibles, and network providers to choose the most suitable coverage for your family's healthcare needs.

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What Select Health Plans Are Available in Highland, Utah?

For 2026, Select Health offers marketplace health insurance plans to residents of Highland, Utah, within Rating Area 4. These plans are structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your primary choice for subsidized coverage will be between these two network types.

Select Health’s HMO plans typically require you to choose a primary care provider (PCP) within their network and obtain referrals for specialist visits. EPO plans offer more flexibility, allowing you to see specialists without a referral, as long as they are within the plan's network. Both plan types emphasize in-network care, with out-of-network services generally not covered, except in emergencies. When considering a Select Health plan, it is crucial to verify that your preferred doctors, specialists, and hospitals are included in the specific plan's network. Utah County, with a population of 705,400, is served by 6 acute care hospitals, including Intermountain Health Utah Valley Hospital in Provo, which is a major facility for residents in the region. Highland itself has a population of 20,119, with a median age of 28.0 years.

Understanding Plan Tiers and Subsidies

HealthCare.gov offers plans categorized into 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 those who expect to use healthcare services infrequently and want protection against catastrophic costs.
Silver Plans: Offering a moderate balance, Silver plans have higher premiums than Bronze but lower deductibles and out-of-pocket maximums. They are particularly valuable for individuals and families who qualify for cost-sharing reductions (CSRs), which can significantly lower your out-of-pocket costs if your income is below 250% of the Federal Poverty Level (FPL).
Gold Plans: With higher monthly premiums, Gold plans provide lower deductibles and out-of-pocket costs, making them suitable for those who anticipate needing more medical care throughout the year.

Financial assistance, including premium tax credits (subsidies) and cost-sharing reductions, is available based on your household income and family size. For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for premium tax credits to reduce their monthly premiums.

Eligibility for Utah Medicaid in Highland

Utah has expanded its Medicaid program, a critical difference from some other states. Adults in Highland with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage through Utah Medicaid. This expansion, enacted in 2020 via Proposition 3, ensures that low-income adults have access to affordable healthcare without falling into a coverage gap. Specific Medicaid and Children's Health Insurance Program (CHIP) thresholds for Utah residents include:

Adults: Up to 138% FPL for standard Utah Medicaid.
Pregnant Women: Up to 144% FPL for pregnancy-specific Medicaid coverage, which includes prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Up to 200% FPL for uninsured children.

If your income falls within these ranges, applying for Utah Medicaid or CHIP through medicaid.utah.gov may be your most cost-effective option for comprehensive coverage. Highland, with a poverty rate of 1.9%, benefits from this expanded coverage, ensuring that vulnerable populations have access to necessary medical services.

Health Insurance Carriers in Highland

For 2026, residents of Highland, Utah, have a choice of 5 confirmed carriers offering marketplace plans in Rating Area 4. This single-county rating area encompasses all of Utah County, ensuring consistent plan availability across the region. The confirmed carriers for this plan year are:

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

When selecting a plan, consider not only the carrier but also the specific network within each plan. Major healthcare systems in Utah County, such as Intermountain Health, which operates Intermountain Health Utah Valley Hospital, are typically contracted with multiple carriers. It is always best to confirm that your preferred healthcare providers and facilities are in-network with the plan you choose. Per U.S. Census Bureau ACS 2024 5-year estimates, Highland has an uninsured rate of 4.4%, indicating that a significant majority of its population relies on these available health insurance options.

Choosing the Right Plan: Next Steps for Highland Residents

Deciding on the best health insurance plan in Highland depends on your unique financial situation, health needs, and preferred providers. Here’s a general guide to help you navigate your options:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through the state's Medicaid portal (medicaid.utah.gov) for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits (subsidies) through HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to maximize cost-sharing reductions which lower your deductibles and copays.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase a plan through HealthCare.gov or directly from an insurer. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage and risk tolerance.

The city of Highland, with a median household income of $186,075, is among the more affluent areas in Utah County. However, even with higher incomes, understanding the nuances of plan options and potential tax advantages for health savings accounts can lead to significant savings. A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand network restrictions, and estimate your out-of-pocket costs, all at no cost to you.

Frequently Asked Questions

What types of Select Health plans are available in Highland, Utah?

In Highland, Utah, Select Health offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov. PPO plans are generally not available on-exchange in Utah.

Can I get a subsidy for a Select Health plan in Highland?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for any marketplace plan, including those from Select Health. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose a Silver plan.

What hospitals in Utah County accept Select Health plans?

Select Health plans typically contract with a broad network of providers in Utah County. Major hospitals like Intermountain Health Utah Valley Hospital in Provo, Mountain View Hospital in Payson, and American Fork Hospital in American Fork are generally part of large carrier networks in the region. Always confirm specific hospital and provider networks directly with Select Health when choosing a plan.

Does Utah have expanded Medicaid, and how does that affect Highland residents?

Yes, Utah expanded Medicaid in 2020. This means adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage through Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL through CHIP.