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

Select Health Insurance Plans in Ivins, Utah

In 2026, Select Health is one of 3 carriers offering marketplace plans in Ivins, part of Utah Rating Area 5.
Ivins residents can choose between HMO and EPO plans on HealthCare.gov; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, allowing adults with income up to 138% FPL to qualify, including those in Ivins.
Ivins has a low uninsured rate of 5.1%, significantly below the Washington County average of 11.1%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Ivins, Utah, involves understanding local carrier availability, plan types, and potential financial assistance. For residents of Ivins, Select Health is a key provider, offering a range of health insurance plans through the federal marketplace, HealthCare.gov. These plans are designed to meet various healthcare needs and budgets, with options for individuals and families. It is important to compare network structures, such as HMO and EPO plans, as PPO plans are not offered on-exchange in Utah. Financial assistance in the form of premium tax credits and cost-sharing reductions is widely available to eligible households, making coverage more affordable.

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What Health Insurance Options Are Available in Ivins?

Ivins residents primarily access health insurance through HealthCare.gov, Utah's federal marketplace. In 2026, the marketplace offers plans with Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. It is important to note that PPO plans are not available on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO options. These plans cover essential health benefits as mandated by the Affordable Care Act (ACA), including doctor visits, hospital care, prescription drugs, mental health services, and preventive care. Financial assistance is a significant factor for many Ivins residents. Premium tax credits can reduce monthly premiums, while cost-sharing reductions can lower out-of-pocket expenses like deductibles, copayments, and coinsurance. Eligibility for these subsidies is based on household income relative to the Federal Poverty Level (FPL). Ivins, with a population of 9,998 and a median income of $78,089, is part of Washington County. Washington County, encompassing 196,431 residents, relies on facilities like St. George Regional Hospital in St. George for acute care. The city's uninsured rate stands at 5.1%, significantly lower than Washington County's 11.1% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates.

Understanding Select Health Plans and Networks

Select Health is one of the confirmed carriers offering health insurance plans in Ivins, Utah, for the 2026 plan year. As a major insurer in the region, Select Health provides plans that utilize local networks of doctors, specialists, and hospitals. When choosing a Select Health plan, understanding the network type (HMO or EPO) is crucial for how you access care:

HMO (Health Maintenance Organization): HMO plans typically require you to choose a primary care provider (PCP) within the network who coordinates all your care. Referrals from your PCP are usually needed to see specialists, except in emergencies.
EPO (Exclusive Provider Organization): EPO plans offer a network of providers, and you generally do not need a referral to see a specialist within that network. However, EPO plans typically do not cover out-of-network care, except in emergencies.

Both HMO and EPO plans focus on in-network care, which is a common characteristic of marketplace plans in Utah. Select Health's network in Washington County generally includes St. George Regional Hospital, the primary acute care facility serving the area. Always confirm your specific doctors and preferred facilities are in-network for any plan you consider.

Health Insurance Carriers in Ivins

Residents of Ivins, Utah, located in Rating Area 5, have choices when it comes to health insurance carriers on the HealthCare.gov marketplace. In 2026, 3 carriers offer marketplace plans in Rating Area 5, which covers Iron, Washington counties:

Molina Healthcare: Molina Healthcare offers a variety of health plans designed to provide comprehensive coverage.
Select Health: Select Health provides a range of HMO and EPO plans with access to local providers and health systems.
University of Utah Health Plans: University of Utah Health Plans offers coverage options backed by the University of Utah Health system.

Each of these carriers offers plans across different metal tiers (Bronze, Silver, Gold), allowing Ivins residents to choose a plan that balances monthly premiums with out-of-pocket costs. It is important to compare the specific plans, networks, and benefits offered by each carrier to find the best fit for your healthcare needs.

Medicaid and CHIP Eligibility in Utah

Utah expanded Medicaid in 2020, significantly broadening eligibility for low-income adults, including those in Ivins. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for many low-income residents who might otherwise be uninsured. Beyond standard adult Medicaid, Utah also provides specific programs for vulnerable populations:

Pregnant Women Medicaid: Covers pregnant women with household incomes up to 144% FPL, providing prenatal care, labor and delivery, and postpartum care. This is a crucial support for maternal health in Ivins.
CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential healthcare services for younger residents.

Residents of Ivins who believe they may qualify for these programs can apply through Utah's Medicaid portal at medicaid.utah.gov.

Making the Right Health Plan Decision in Ivins

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a guide for Ivins residents:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This is typically the most comprehensive and lowest-cost option. Apply directly through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits on HealthCare.gov. Consider Silver plans, especially if your income is closer to 150-250% FPL, as you may also qualify for cost-sharing reductions that lower your deductible and copayments.
If your income is above 400% FPL: You will pay the full premium for marketplace plans, but can still benefit from the comprehensive coverage and consumer protections offered by ACA plans. Consider your expected healthcare usage and choose a metal tier (Bronze, Silver, Gold) that aligns with your financial comfort for out-of-pocket costs.

Regardless of your income, comparing plans from Select Health, Molina Healthcare, and University of Utah Health Plans on HealthCare.gov is essential. Pay close attention to the network type (HMO or EPO), the deductible, out-of-pocket maximum, and whether your preferred doctors and facilities, such as St. George Regional Hospital, are included. A licensed health insurance agent can provide free, personalized guidance to help you navigate these choices and enroll in a plan that meets your needs.

Frequently Asked Questions

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

In Ivins, Select Health offers plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

Can I get financial help to pay for a Select Health plan in Ivins?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through HealthCare.gov to lower your monthly premiums and out-of-pocket costs.

Does Select Health cover St. George Regional Hospital in Ivins' area?

Select Health plans typically include major hospital systems in Washington County. St. George Regional Hospital in St. George is the primary acute care facility in the county, and it is generally covered by Select Health's network. Always verify specific network inclusion for your chosen plan.

What is the uninsured rate in Ivins, Utah?

According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Ivins is 5.1%, which is significantly lower than the Washington County average of 11.1%.