Select Health Insurance Plans in Kane County, Utah

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

Select Health is one of 2 carriers offering marketplace plans in Kane County's Rating Area 6 for 2026.
Marketplace plans in Kane County are limited to HMO and EPO network types; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
Kane County has a population of 8,170 with a median income of $77,092, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Kane County, Utah, involves understanding local carrier availability, plan types, and financial assistance programs. For 2026, Select Health is a key provider of Affordable Care Act (ACA) compliant health plans available to residents through HealthCare.gov, the federal marketplace. These plans are designed to offer comprehensive coverage, with potential subsidies to make them more affordable based on household income. This guide will detail your options with Select Health in Kane County, including plan structures, enrollment periods, and how to leverage financial aid like tax credits and Utah Medicaid.

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What Types of Select Health Plans Are Available in Kane County?

In Kane County, Select Health offers health insurance plans primarily through HealthCare.gov. It is important to note that for 2026, Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your choice for subsidy-eligible plans will focus on HMOs, which typically require you to choose a primary care provider and get referrals for specialists, and EPOs, which allow more flexibility in choosing specialists within the network without referrals, but generally do not cover out-of-network care except in emergencies. Select Health plans, like all ACA-compliant plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, indicating the average percentage of medical costs the plan is expected to cover:

Bronze plans: Cover approximately 60% of costs, with higher deductibles and out-of-pocket maximums. They are ideal for those who primarily want protection against catastrophic medical expenses.
Silver plans: Cover approximately 70% of costs. These plans are particularly valuable for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans.
Gold plans: Cover approximately 80% of costs, with lower deductibles and out-of-pocket maximums than Silver or Bronze plans. They suit individuals who anticipate needing more frequent medical care.

Select Health's offerings in Kane County will include a range of these metal tiers, allowing residents to choose a plan that balances monthly premiums with out-of-pocket costs based on their expected healthcare needs.

Understanding Financial Assistance and Utah Medicaid in Kane County

Affordability is a key concern for many seeking health insurance. Fortunately, significant financial assistance is available through HealthCare.gov, which applies to Select Health plans.

Premium Tax Credits

Many Kane County residents qualify for Advanced Premium Tax Credits (APTCs), which reduce your monthly insurance premium. Eligibility is based on household income relative to the Federal Poverty Level (FPL). In 2026, individuals and families with incomes between 100% and 400% FPL may qualify for these subsidies. The specific amount of your tax credit depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These subsidies are unique to Silver plans and reduce the amount you have to pay for deductibles, copayments, and coinsurance. This means a Silver plan with CSRs can offer coverage comparable to a Gold or even Platinum plan at a much lower out-of-pocket cost.

Utah Medicaid

Utah expanded Medicaid in 2020, making it available to more low-income adults. In Kane County, adults with household incomes up to 138% FPL may qualify for Utah Medicaid. This program provides comprehensive health coverage with no monthly premiums and minimal or no out-of-pocket costs.

For specific populations, Utah Medicaid offers additional support:

Pregnant Women: Coverage extends up to 144% FPL for pregnant women, providing essential prenatal care, labor and delivery services, and postpartum support.
Children (CHIP): The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Residents can apply for Utah Medicaid through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Kane County

For 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers provide a range of HMO and EPO plans designed to meet the diverse needs of residents. The confirmed carriers for Kane County's Rating Area 6 are:

Select Health
University of Utah Health Plans

When comparing plans, consider not only the premiums and out-of-pocket costs but also the network of doctors and hospitals. While Kane County itself has no acute care hospitals, residents travel to neighboring counties for these services. It is crucial to verify that any plan you choose includes access to the providers and facilities you prefer in surrounding areas.

Kane County, part of Utah's Rating Area 6, is one of the state's more rural counties, with a population of 8,170 and an uninsured rate of 5.3%, per U.S. Census Bureau ACS 2024 5-year estimates. The median income stands at $77,092. Residents needing acute care travel to a neighboring county for services, making network considerations vital when selecting a plan from Select Health or University of Utah Health Plans.

Making Your Health Insurance Decision in Kane County

Choosing the right health insurance plan in Kane County requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a decision-making guide:

Your Situation	Recommended Action
Household income up to 138% FPL (adults)	Apply for Utah Medicaid through medicaid.utah.gov. This offers comprehensive, low-cost coverage.
Household income 100-250% FPL	Enroll in a Silver plan from Select Health or University of Utah Health Plans via HealthCare.gov to maximize Cost-Sharing Reductions and Premium Tax Credits.
Household income 250-400% FPL	Explore Bronze, Silver, or Gold plans from Select Health or University of Utah Health Plans on HealthCare.gov, leveraging Premium Tax Credits to lower your monthly premiums.
Household income above 400% FPL	You can still enroll in plans from Select Health or University of Utah Health Plans through HealthCare.gov, though you may not qualify for federal subsidies. Compare plan tiers based on your expected medical use.
Pregnant or have children (even if above 138% FPL)	Check eligibility for Utah Medicaid (up to 144% FPL for pregnant women) or CHIP (up to 200% FPL for children).

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand network options, and navigate the enrollment process for Select Health or other available carriers. Their services are typically free to you.

Frequently Asked Questions

Can I get a PPO plan from Select Health in Kane County?

For 2026, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Kane County. Select Health, like other carriers, primarily offers HMO and EPO plans through the exchange. If you require a PPO, you would need to explore off-marketplace options, which are not eligible for federal subsidies.

What are the income limits for Medicaid in Kane County, Utah?

Utah expanded Medicaid in 2020. Adults in Kane County with household incomes 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 via CHIP, it's up to 200% FPL.

How do I enroll in a Select Health plan in Kane County?

You can enroll in a Select Health plan during the annual Open Enrollment Period through HealthCare.gov, the federal marketplace. If you experience a qualifying life event outside of this period, you may be eligible for a Special Enrollment Period. Licensed agents can assist you with understanding your options and completing the enrollment process at no cost.