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

Select Health Insurance Plans in Hurricane, Utah

Q: What types of health insurance plans does Select Health offer in Hurricane, Utah?

In Hurricane, Select Health offers both Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the Utah marketplace. These plans provide comprehensive coverage, with HMOs typically requiring a primary care physician referral for specialists and EPOs offering more flexibility within their network.

Select Health offers HMO and EPO plans on HealthCare.gov in Hurricane; PPO plans are not available on-exchange in Utah.
Hurricane residents in Washington County are part of Rating Area 5, which also covers Iron County.
In 2026, 3 carriers, including Select Health, Molina Healthcare, and University of Utah Health Plans, offer marketplace plans in Rating Area 5.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL via CHIP.

Navigating health insurance options in Hurricane, Utah, involves understanding the plans available through HealthCare.gov, especially those offered by prominent carriers like Select Health. Residents of Hurricane, located in Washington County, are part of Utah's Rating Area 5, which also includes Iron County. For 2026, Select Health provides comprehensive Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the federal marketplace. Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your primary choices for subsidized coverage will be HMO or EPO network structures.

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What Are Your Health Insurance Options in Hurricane?

For Hurricane residents seeking health insurance, the primary avenue for individual and family plans is HealthCare.gov. This federal marketplace allows you to compare plans, check your eligibility for financial assistance, and enroll in coverage. In Utah, marketplace plans are structured as either Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) networks. Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care physician (PCP) within the network who then refers you to specialists. They emphasize coordinated care and often have lower out-of-pocket costs when staying within the network. Exclusive Provider Organization (EPO) Plans: EPOs offer a bit more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, they generally do not cover care received outside their network, except in emergencies. Since Utah expanded Medicaid in 2020, adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing a crucial safety net for low-income individuals and families. For 2026, a single individual with an income up to $20,783 (138% of $15,060 FPL) could be eligible.

Understanding Select Health Plans in Hurricane

Select Health is one of the key carriers serving Hurricane, offering a range of plans designed to meet diverse needs and budgets. Their plans on HealthCare.gov come in different metal tiers: Bronze, Silver, Gold, and Platinum, each offering a different balance of monthly premiums versus 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 primarily for catastrophic coverage and are suitable for those who expect to use medical services infrequently. Silver Plans: Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable if you qualify for cost-sharing reductions (CSRs), which can significantly lower your deductibles, copayments, and coinsurance if your income is between 100% and 250% FPL. Gold Plans: Gold plans have higher monthly premiums but lower deductibles and out-of-pocket maximums. They are a good choice for individuals or families who anticipate needing more medical care throughout the year. Platinum Plans: These plans have the highest monthly premiums but the lowest out-of-pocket costs when you receive care. They are best for those who expect extensive medical needs and want predictable costs. When considering a Select Health plan, it is important to review the specific benefits, provider networks, and drug formularies to ensure it aligns with your healthcare needs. All plans cover essential health benefits, including prescription drugs, mental health services, and maternity care.

Who Qualifies for Financial Assistance in Hurricane?

Many Hurricane residents are eligible for financial assistance to make health insurance more affordable. Subsidies, also known as premium tax credits, can significantly reduce your monthly health insurance premiums. Premium Tax Credits: If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. For 2026, 100% FPL for an individual is $15,060, and 400% FPL is $60,240. These credits can be applied directly to your monthly premiums, lowering your out-of-pocket cost. Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs reduce the amount you have to pay for deductibles, copayments, and coinsurance. You are eligible for CSRs if your income is between 100% and 250% FPL. These reductions can make Silver plans exceptionally good value, providing benefits similar to Gold or Platinum plans at a lower premium. Hurricane, Utah, with a population of 22,771 and a median income of $75,016, per U.S. Census Bureau ACS 2024 5-year estimates, also has an uninsured rate of 9.7%. This figure is slightly lower than Washington County's uninsured rate of 11.1%, indicating that a significant portion of the local population could benefit from exploring marketplace plans and financial assistance. The city is part of Rating Area 5, which covers Iron and Washington counties, ensuring consistent plan availability across this multi-county region.

Utah Medicaid and CHIP Eligibility

Utah expanded Medicaid in 2020 via Proposition 3, making it available to adults with household incomes up to 138% FPL. This is a critical difference from states without expansion, as it eliminates a "coverage gap" for many low-income individuals. Adults: If your income is up to 138% FPL (e.g., $20,783 for an individual in 2026), you may qualify for comprehensive Utah Medicaid. Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes prenatal care, labor, delivery, and postpartum care. Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Hurricane

For the 2026 plan year, residents of Hurricane, Utah, have a choice of 3 health insurance carriers offering plans through HealthCare.gov. These carriers provide a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans across different metal tiers. The confirmed carriers for Rating Area 5, which includes Washington County where Hurricane is located, are:

Select Health
Molina Healthcare
University of Utah Health Plans

When comparing plans, evaluate not only the premiums but also the deductibles, copayments, coinsurance, and the specific provider networks each carrier offers. For example, Washington County is served by St. George Regional Hospital in St George, which is an important consideration for local residents.

Making the Right Choice for Your Health Insurance

Choosing the right health insurance plan in Hurricane requires evaluating your income, health needs, and budget. Here's a general guide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through the state's Medicaid portal for comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: Consider a Silver plan through HealthCare.gov. You'll not only receive premium tax credits but also significant cost-sharing reductions (CSRs) that lower your out-of-pocket costs like deductibles and copays.
If your income is between 250% and 400% FPL: You're eligible for premium tax credits, which can make Bronze, Silver, or Gold plans much more affordable. Compare plans based on your expected healthcare usage.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase plans through HealthCare.gov. Focus on the best fit for your healthcare needs and budget, considering Bronze for catastrophic coverage or Gold/Platinum for more predictable costs with higher usage.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health, Molina Healthcare, and University of Utah Health Plans, and determine your eligibility for financial assistance, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Hurricane, Utah?

Select Health offers both Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov in Hurricane. PPO plans are not available on the Utah marketplace. These plans provide comprehensive coverage, with HMOs typically requiring a primary care physician referral for specialists and EPOs offering more flexibility within their network.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (premium tax credits) to lower your monthly premiums for a Select Health plan purchased on HealthCare.gov. For 2026, 100% FPL for an individual is $15,060, and 400% FPL is $60,240. Enhanced subsidies are available for those with incomes up to 150% FPL.

What are the income limits for Utah Medicaid in Hurricane?

Utah expanded Medicaid in 2020. Adults in Hurricane with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children under CHIP, it's 200% FPL. This means individuals with low incomes have access to comprehensive, low-cost coverage.

Are there other carriers besides Select Health in Hurricane's marketplace?

Yes, in addition to Select Health, residents of Hurricane (part of Rating Area 5) have access to plans from Molina Healthcare and University of Utah Health Plans through HealthCare.gov for the 2026 plan year. In total, 3 carriers offer marketplace plans in this rating area.