Select Health Insurance Plans in Kaysville, Utah

Select Health is one of 4 carriers offering marketplace plans in Kaysville, Utah's Rating Area 3 for 2026.
Marketplace plans in Utah, including Select Health, are limited to HMO and EPO network types; PPO plans are not available on-exchange.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level and pregnant women up to 144% FPL.
Kaysville, with a population of 33,053, reports a low uninsured rate of 3.4% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Kaysville, Utah, can be streamlined by understanding the local marketplace. For residents of Kaysville, Select Health is a key provider offering a range of plans through HealthCare.gov. This article focuses on what Select Health provides in your area, alongside other available marketplace choices, eligibility for financial assistance, and local healthcare resources in Davis County. Understanding these factors is crucial for making an informed decision about your health coverage.

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What Types of Select Health Plans Are Available in Kaysville?

In Kaysville, Utah, residents seeking health insurance through HealthCare.gov will find plans from Select Health structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). This is consistent with statewide marketplace offerings in Utah, where PPO plans are not available on-exchange for subsidy-eligible coverage. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPO plans offer more flexibility in seeing specialists without a referral, as long as they are within the plan's network. Select Health offers various metal tiers—Bronze, Silver, Gold, and Platinum—each designed to balance monthly premiums with out-of-pocket costs like deductibles, copayments, and coinsurance. Bronze plans generally have lower premiums but higher out-of-pocket costs, suitable for those who anticipate needing less medical care. Silver plans offer a moderate balance and are the only tier eligible for cost-sharing reductions (CSRs) for qualifying individuals. Gold and Platinum plans come with higher premiums but lower out-of-pocket expenses, ideal for those who expect to use medical services frequently.

Who Qualifies for Financial Help with Select Health Plans in Utah?

Financial assistance is critical for making health insurance affordable, and Kaysville residents may be eligible for subsidies when enrolling in a Select Health plan through HealthCare.gov. These subsidies come in two main forms:

Premium Tax Credits (PTCs): These reduce your monthly premium payments. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify. For example, a single adult in Kaysville earning between approximately $14,580 and $58,320 in 2024 FPL guidelines would likely be eligible.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available if you enroll in a Silver plan and your income is up to 250% of the FPL.

Utah expanded Medicaid in 2020 via a ballot initiative. This means that adults in Kaysville with household incomes up to 138% FPL may qualify for Utah Medicaid, offering comprehensive, low-cost health coverage. This is a significant difference from states without Medicaid expansion, where many low-income individuals fall into a coverage gap.

Health Insurance Carriers in Kaysville

For 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Kaysville residents have choices beyond Select Health when selecting a plan through HealthCare.gov. The confirmed carriers for this rating area are:

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

When comparing plans, it is important to consider not only the premiums and out-of-pocket costs but also the provider network, particularly for HMO and EPO plans. Ensure that your preferred doctors, specialists, and hospitals are included in the plan's network.

Understanding Healthcare in Kaysville and Davis County

Kaysville, Utah, a city with a population of 33,053 and a median income of $133,026, is part of Davis County, which has a population of 370,924. Both the city and county demonstrate relatively low uninsured rates, 3.4% and 5.7% respectively, per U.S. Census Bureau ACS 2024 5-year estimates. Davis County supports its residents with four acute care hospitals: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. These facilities provide essential medical services to the community.

Making the Right Health Plan Decision in Kaysville

Choosing the right health insurance plan requires evaluating your personal health needs, financial situation, and preferred access to care. Consider these steps:

Assess Your Income: Determine if your household income qualifies you for premium tax credits or cost-sharing reductions, or if you are eligible for Utah Medicaid (up to 138% FPL for adults, 144% FPL for pregnant women, and 200% FPL for children through CHIP).
Estimate Medical Needs: If you anticipate frequent doctor visits or require specific medications, a Gold or Silver plan with lower out-of-pocket costs might be more economical in the long run. If you are generally healthy and prefer lower monthly premiums, a Bronze plan could be suitable.
Check Provider Networks: For HMO and EPO plans from carriers like Select Health, verify that your current doctors and preferred hospitals are in the plan's network before enrolling.
Utilize Free Assistance: Licensed health insurance producers can provide personalized guidance, help you compare plans, and assist with the enrollment process at no cost to you.

Frequently Asked Questions

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

In Kaysville, which is part of Utah Rating Area 3, Select Health offers health insurance plans with HMO and EPO network structures on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for Select Health plans in Kaysville?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for Select Health or other marketplace plans. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose Silver plans.

Is Medicaid available in Kaysville, Utah?

Yes, Utah expanded Medicaid in 2020. Adults in Kaysville with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women can qualify up to 144% FPL, and children through CHIP up to 200% FPL.

What is Utah Rating Area 3?

Utah Rating Area 3 is a multi-county area that includes Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Health insurance plans and pricing are standardized across all counties within this rating area.

Where can I apply for health insurance in Kaysville?

Kaysville residents can apply for marketplace health insurance plans, including those from Select Health, through HealthCare.gov. You can also apply for Utah Medicaid directly through the state's Medicaid portal (medicaid.utah.gov).