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

Select Health Insurance Plans in Kearns, Utah

Select Health is one of 5 carriers offering marketplace health insurance plans in Kearns, Utah, for the 2026 plan year.
Kearns residents can choose from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans from Select Health on HealthCare.gov. PPO plans are not available on-exchange in Utah.
Individuals and families in Kearns with incomes between 100% and 400% FPL may qualify for significant subsidies (Premium Tax Credits) to reduce their Select Health premiums.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.

Navigating health insurance options in Kearns, Utah, for 2026, especially when considering a specific carrier like Select Health, involves understanding local availability, plan types, and financial assistance. Select Health is a prominent provider in Utah, offering a range of plans through the federal marketplace, HealthCare.gov. For residents of Kearns and the broader Salt Lake County, Select Health provides Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, which are the primary network choices available on-exchange in Utah. If you're looking for coverage, it's crucial to assess your healthcare needs, budget, and eligibility for subsidies, which can significantly lower your monthly premiums.

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What Select Health Plans Are Available in Kearns?

For 2026, Select Health offers marketplace-certified health insurance plans to residents of Kearns, Utah, and the surrounding Salt Lake County. When shopping for Select Health plans on HealthCare.gov, you will primarily find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) options. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialist visits. EPO plans also use a specific network of doctors and hospitals, but often allow you to see specialists without a referral, as long as they are in-network. It is important to note that Preferred Provider Organization (PPO) plans are not available on the HealthCare.gov marketplace in Utah, meaning your choice will be between HMO and EPO structures.

Understanding Plan Tiers and Costs

Like all marketplace plans, Select Health plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care:

Bronze plans: Offer lower monthly premiums but come with higher deductibles and out-of-pocket maximums. They are suitable for those who expect to use healthcare services infrequently.
Silver plans: Have moderate premiums and deductibles. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can further lower deductibles, copayments, and out-of-pocket maximums, making Silver plans much more comprehensive for those eligible.
Gold plans: Feature higher monthly premiums but lower deductibles and out-of-pocket costs when you receive care. These are a good choice if you anticipate regular medical needs.
Platinum plans: Offer the highest premiums but the lowest out-of-pocket costs for care, covering a significant portion of your medical expenses from the start.

Your actual out-of-pocket costs will depend on the specific plan you choose, your usage, and any subsidies you qualify for.

Do I Qualify for Financial Help with Select Health Premiums in Kearns?

Many Kearns residents can receive financial assistance to make Select Health plans more affordable. These subsidies, known as Premium Tax Credits (PTCs), are available through HealthCare.gov and can be applied directly to your monthly premiums, reducing your upfront costs.

Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for PTCs. For example, a single individual earning up to approximately $58,320 annually or a family of four earning up to approximately $120,000 annually (for 2026, based on updated FPLs) could be eligible. The exact amount of your subsidy will depend on your income, household size, and the cost of the benchmark Silver plan in your area.

Enhanced Subsidies and Cost-Sharing Reductions

The enhanced subsidies initially introduced during the pandemic have been extended, making coverage more affordable for a wider range of income levels. This means many people who previously didn't qualify, or qualified for only small subsidies, may now see significant reductions in their premiums.

Additionally, if your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These are only available with Silver-tier plans and reduce your deductibles, copayments, and out-of-pocket maximums, effectively making Silver plans much more robust and similar to Gold or Platinum plans in terms of cost-sharing.

Utah Medicaid and CHIP for Kearns Residents

Utah expanded its Medicaid program in 2020 through Proposition 3, significantly increasing access to affordable healthcare for many residents. If your income falls below 138% of the Federal Poverty Level, you may qualify for Utah Medicaid, which provides comprehensive coverage with little to no cost. For a single individual, this threshold is approximately $20,120 annually, and for a family of three, it's around $34,300 (based on 2026 FPL estimates). You can apply for Utah Medicaid through the state's portal at medicaid.utah.gov.

Special provisions exist for pregnant women and children. Pregnant women in Kearns with household incomes up to 144% FPL are eligible for Utah Medicaid coverage, which includes comprehensive prenatal care, labor and delivery, and postpartum support. Uninsured children in households with incomes up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP). These programs are vital resources for ensuring vulnerable populations have access to necessary medical services.

Hospitals and Healthcare in Salt Lake County

Kearns is located within Salt Lake County, which is home to a robust healthcare infrastructure. Residents have access to a variety of acute care facilities and specialized medical centers. For instance, Holy Cross Hospital - Salt Lake provides acute care services in the region. Other major hospitals in Salt Lake County include LDS Hospital, University of Utah Hospital and Clinics, Intermountain Medical Center, Intermountain Health Alta View Hospital, St Mark's Hospital, Holy Cross Hospital-Jordan Valley, Intermountain Health Riverton Hospital, Lone Peak Hospital, and Primary Children's Hospital. These facilities offer a wide range of medical services, from emergency care to specialized treatments, supporting the health needs of the community. Salt Lake County's 10 acute care hospitals serve a population of 1,196,523 with a 9.2% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates.

Health Insurance Carriers in Kearns

Kearns is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3. Kearns residents can choose from plans offered by:

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

It is important to compare the specific plans, networks, and costs offered by each of these carriers to find the best fit for your needs.

Making Your Health Insurance Decision in Kearns

Choosing the right health insurance plan in Kearns, Utah, requires a careful assessment of your personal circumstances and healthcare priorities. Here's a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for Premium Tax Credits (subsidies) through HealthCare.gov. Consider Silver plans for potential Cost-Sharing Reductions if your income is below 250% FPL, as these can significantly lower your out-of-pocket costs.
If your income is above 400% FPL: You can still purchase plans through HealthCare.gov at full price. Evaluate Bronze, Silver, and Gold plans based on your expected healthcare usage and preferred balance of premiums versus out-of-pocket costs.
Consider your network needs: Since only HMO and EPO plans are available on-exchange in Utah, research each plan's network of doctors and hospitals to ensure your preferred providers are included.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your specific needs, all at no cost to you.

Frequently Asked Questions

Can I get Select Health insurance with a subsidy in Kearns?

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 Select Health plans purchased through HealthCare.gov. Enhanced subsidies remain available, making coverage more affordable for many Kearns residents.

What type of plans does Select Health offer in Kearns, Utah?

In Kearns, Select Health offers both Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. These network types require you to choose a primary care provider within the network and generally require referrals for specialists with HMOs. PPO plans are not available on-exchange in Utah.

Is Select Health available throughout Salt Lake County?

Yes, Select Health is one of five carriers offering plans in Utah Rating Area 3, which covers all of Salt Lake County, including Kearns. This means you can generally find Select Health plans across the county, alongside other carriers like BridgeSpan Health Company and Regence BlueCross BlueShield of Utah.