Select Health Insurance Plans in Juab County, Utah
- Select Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans in Juab County through HealthCare.gov for 2026.
- Juab County is part of Utah's Rating Area 6, where 4 carriers, including Select Health, provide marketplace coverage.
- Financial assistance is available for individuals and families in Juab County with incomes between 100% and 400% FPL, potentially lowering premiums and out-of-pocket costs.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.
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What Select Health Plans Are Available in Juab County?
Select Health offers a variety of plans within Juab County, all of which fall under the HMO and EPO categories on HealthCare.gov. These plans are designed to provide comprehensive coverage for essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services. When reviewing Select Health options, you'll encounter different metal tiers—Bronze, Silver, Gold, and Platinum—each with a distinct balance of monthly premiums and out-of-pocket costs.Juab County, part of Utah's Rating Area 6, is a rural area with a population of 12,586 and an uninsured rate of 6.5% per U.S. Census Bureau ACS 2024 5-year estimates. This rating area, which also covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties, helps determine the pricing for plans offered by Select Health and other carriers. Residents needing acute care typically travel to neighboring counties, as Juab County has no acute care hospitals within its boundaries.
Understanding HMO and EPO Plans
- HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the plan's network, who then coordinates most of your care and provides referrals to specialists. HMOs often have lower premiums and out-of-pocket costs.
- EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals, but you typically don't need a referral to see a specialist. However, they generally won't cover care received outside their network, except in emergencies.
How Financial Assistance Makes Select Health Plans More Affordable
Many Juab County residents qualify for financial assistance, which can significantly reduce the cost of a Select Health plan purchased through HealthCare.gov. These subsidies come in two main forms:Premium Tax Credits (PTC)
Premium Tax Credits lower your monthly premium. Eligibility is based on your household income and family size, with subsidies available for those earning between 100% and 400% of the Federal Poverty Level (FPL). For example, a single individual earning up to approximately $58,320 annually (400% FPL in 2026, based on current FPL guidelines) may qualify for assistance.Cost-Sharing Reductions (CSR)
Cost-Sharing Reductions help lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for individuals and families with incomes up to 250% FPL. Choosing a Silver plan with CSRs can provide excellent value, offering lower out-of-pocket expenses than even some Gold plans.Utah Medicaid Eligibility
Utah expanded Medicaid in 2020, meaning more adults in Juab County can qualify for low-cost or free health coverage. Adults with incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This is a crucial difference from states without Medicaid expansion, ensuring a pathway to coverage for lower-income residents. For pregnant women, Utah Medicaid covers incomes up to 144% FPL, and CHIP for children covers households up to 200% FPL. You can apply for Utah Medicaid through the state's Medicaid portal (medicaid.utah.gov).Health Insurance Carriers in Juab County
For the 2026 plan year, residents of Juab County have several options for marketplace health insurance plans. In 2026, 4 carriers offer marketplace plans in Rating Area 6, which includes Juab County. These carriers provide a range of HMO and EPO plans to choose from:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Select Health Plan for You
Deciding on the best Select Health plan in Juab County involves evaluating your health needs, budget, and eligibility for financial assistance. Here’s a guide to help you navigate your options:- If your income is below 138% FPL: You likely qualify for Utah Medicaid. This provides comprehensive coverage with minimal or no out-of-pocket costs.
- If your income is between 100% and 250% FPL: You are likely eligible for both premium tax credits and cost-sharing reductions. Choosing a Silver-tier Select Health plan will maximize your savings, as CSRs are only available with Silver plans, offering lower deductibles and copays.
- If your income is between 250% and 400% FPL: You may still qualify for significant premium tax credits. Bronze or Silver plans may offer a good balance of affordable premiums and reasonable coverage.
- If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a Select Health plan through HealthCare.gov. Consider your anticipated medical expenses: Bronze plans have lower premiums but higher out-of-pocket costs, while Gold or Platinum plans have higher premiums but provide more coverage before your deductible is met.
Frequently Asked Questions
What types of Select Health plans are available in Juab County, Utah?
Select Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace in Juab County. PPO plans are not available on-exchange in Utah for 2026.
Is Juab County part of a specific rating area for health insurance?
Yes, Juab County is located within Utah's Rating Area 6. This rating area encompasses 16 counties, including Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties.
What is the uninsured rate in Juab County?
According to U.S. Census Bureau ACS 2024 5-year estimates, Juab County has an uninsured rate of 6.5%, which is below the statewide average for Utah.
Can I get Medicaid in Juab County, Utah?
Yes, Utah expanded its Medicaid program in 2020. Adults in Juab County with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women are covered up to 144% FPL, and children through CHIP up to 200% FPL.