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

Select Health Health Insurance Plans in Holladay, Utah

Select Health is one of 5 carriers offering marketplace health insurance plans in Holladay for 2026.
Marketplace plans in Utah, including those from Select Health, are limited to HMO and EPO network types; PPO plans are not offered on-exchange.
Individuals and families in Holladay with incomes up to 400% FPL may qualify for subsidies through HealthCare.gov to reduce their monthly premiums.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% FPL, as well as pregnant women up to 144% FPL and children up to 200% FPL via CHIP.

For residents of Holladay, Utah, seeking health insurance, Select Health is a prominent option available through HealthCare.gov. In 2026, Select Health offers various plans designed to meet different coverage needs and budgets within Utah Rating Area 3, which encompasses Salt Lake County. Understanding your options, including plan types, subsidy eligibility, and local network access, is crucial for making an informed decision. This guide focuses on what Select Health provides to Holladay residents and how it fits into the broader Utah health insurance landscape.

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What Types of Select Health Plans Are Available in Holladay?

In Holladay, Utah, Select Health, like other carriers on the federal marketplace (HealthCare.gov), offers plans structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your marketplace choices will be between HMO and EPO plans, each with distinct network rules and referral requirements. HMO plans typically require you to choose a primary care provider (PCP) within the network and obtain referrals from your PCP to see specialists. EPO plans offer more flexibility in seeing specialists without a referral, but still require you to stay within the plan's network for covered services. Understanding the differences and how they align with your healthcare preferences is key when selecting a Select Health plan.

How Do Subsidies and Medicaid Affect Select Health Plan Costs?

Affordability is a major factor for many Holladay residents when choosing a health plan. Fortunately, federal subsidies are available through HealthCare.gov to help lower the cost of Select Health plans. These subsidies come in two main forms:

Advanced Premium Tax Credits (APTCs): These reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for APTCs.
Cost-Sharing Reductions (CSRs): These reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available on Silver-tier plans for those with incomes up to 250% FPL.

For those with lower incomes, Utah has expanded Medicaid. Since 2020, adults in Utah with incomes up to 138% FPL may qualify for Utah Medicaid, providing comprehensive, low-cost health coverage. Additionally, pregnant women with incomes up to 144% FPL and children in households up to 200% FPL can qualify for Utah Medicaid or the Children's Health Insurance Program (CHIP). This expanded eligibility means that many Holladay residents who might otherwise struggle to afford coverage have access to vital healthcare services.

Health Insurance Carriers in Holladay

Holladay, Utah, falls within Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, residents in this rating area have a choice of plans from 5 confirmed carriers on HealthCare.gov. Select Health is among these options, providing a range of plans to choose from. The full list of carriers offering marketplace plans in Rating Area 3 for 2026 includes:

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

When reviewing plans, it is important to compare not only premiums but also network access, deductibles, copayments, and the specific benefits offered by each carrier.

Local Healthcare Access with Select Health in Salt Lake County

Holladay residents relying on Select Health for coverage will access care through the extensive network of providers and facilities within Salt Lake County. Salt Lake County is home to 10 acute care hospitals, ensuring comprehensive medical services are readily available. These include major institutions such as Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, Intermountain Medical Center in Murray, and St Mark's Hospital. While specific network inclusion can vary by plan, Select Health generally maintains a robust network across the county. Holladay, with a population of 31,099 and a median income of $117,043 per U.S. Census Bureau ACS 2024 5-year estimates, boasts a relatively low uninsured rate of 4.3%. This is significantly lower than Salt Lake County's overall uninsured rate of 9.2%, indicating strong community engagement with health coverage options. Access to high-quality healthcare facilities in Salt Lake County is a key consideration for many residents when choosing a health insurance plan.

Choosing the Right Select Health Plan in Holladay

Selecting the ideal Select Health plan requires evaluating your individual or family's healthcare needs, budget, and preferred access to doctors and hospitals. Consider the following steps:

Assess Your Needs: Think about your expected healthcare usage, including doctor visits, prescriptions, and any ongoing medical conditions.
Understand Plan Tiers: Marketplace plans are categorized into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums but lower out-of-pocket costs. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions.
Check Networks: Verify that your preferred doctors, specialists, and hospitals are within the Select Health plan's network. Remember that HMO and EPO plans have specific network rules.
Calculate Total Costs: Look beyond just the monthly premium. Consider the deductible, copayments, coinsurance, and the out-of-pocket maximum to understand the total potential cost of a plan.
Utilize Subsidies: If eligible, apply for Advanced Premium Tax Credits and Cost-Sharing Reductions through HealthCare.gov to significantly reduce your financial burden.

Navigating these choices can be complex. A licensed health insurance producer can provide free, unbiased guidance to help you compare Select Health plans and other available options in Holladay, ensuring you find the best fit for your circumstances.

Frequently Asked Questions

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

In Holladay, which is part of Utah Rating Area 3, Select Health primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the marketplace in Utah, so your choices will focus on these network structures.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums for a Select Health plan. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% FPL, reducing your out-of-pocket costs on Silver plans.

Does Select Health cover major hospitals in Salt Lake County?

Select Health plans typically include a network of hospitals and providers within Salt Lake County. Major facilities such as Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, and Intermountain Medical Center are among the 10 acute care hospitals in Salt Lake County, but specific network inclusion depends on the individual plan. Always verify network details for your chosen plan.

What is the uninsured rate in Holladay, Utah?

According to U.S. Census Bureau ACS 2024 5-year estimates, Holladay has an uninsured rate of 4.3%. This is lower than the broader Salt Lake County rate of 9.2%, indicating a relatively high level of coverage within the city.

How do I enroll in a Select Health plan in Holladay?

Enrollment in a Select Health plan or any other marketplace plan in Holladay is primarily done through HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event. You can also work with a licensed health insurance producer at UtahPlanFinder.com for free assistance comparing plans and enrolling.