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

Select Health Health Insurance in Logan, Utah

Select Health is one of 3 carriers offering marketplace plans in Logan's Rating Area 1 for 2026.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
Individuals with incomes between 100% and 400% FPL may qualify for significant subsidies on Select Health plans.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL via CHIP.
Cache County's uninsured rate is 6.9%, significantly lower than Logan city's 9.4% (per U.S. Census Bureau ACS 2024 5-year estimates).

Navigating health insurance options in Logan, Utah, particularly with a specific carrier like Select Health, involves understanding local availability, plan types, and financial assistance. For 2026, Select Health is one of three carriers offering health insurance plans through HealthCare.gov in Logan's Rating Area 1. These plans are structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs), as PPO plans are not available on the Utah marketplace. Logan residents can access a variety of coverage levels, from Bronze to Platinum, with potential subsidies significantly reducing monthly premiums for those who qualify based on household income.

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What Health Plans Does Select Health Offer in Logan, Utah?

In Logan, Utah, Select Health provides health insurance coverage through the federal marketplace, HealthCare.gov. For the 2026 plan year, Logan is part of Rating Area 1, which also covers Rich County. The marketplace in Utah primarily offers two types of network structures: HMO and EPO plans. It is important to note that PPO plans are not available on-exchange in Utah. This means Logan shoppers will choose between HMOs, which typically require selecting a primary care provider and getting referrals for specialists, and EPOs, which offer more flexibility to see specialists without referrals but generally limit coverage to in-network providers. Select Health plans, like all marketplace plans, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:

Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have the lowest premiums but highest deductibles and out-of-pocket maximums.
Silver plans: Cover about 70% of costs, with you paying 30%. These are often the best value for those who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copays, and out-of-pocket maximums.
Gold plans: Cover around 80% of costs, with you paying 20%. They have higher premiums but lower deductibles and out-of-pocket maximums, making them suitable for those who expect to use medical services frequently.
Platinum plans: Cover approximately 90% of costs, with you paying 10%. These have the highest premiums but the lowest out-of-pocket costs when you receive care.

Am I Eligible for Subsidies on Select Health Plans in Logan?

Many Logan residents may qualify for financial assistance to make Select Health plans more affordable. These subsidies, known as Premium Tax Credits, are available through HealthCare.gov and can significantly reduce your monthly health insurance premiums. Eligibility is primarily based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with household incomes between 100% and 400% FPL are generally eligible for Premium Tax Credits. Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) if they enroll in a Silver-tier plan. CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance, making healthcare more accessible. The table below provides an example of income thresholds for a single individual and a family of four in Utah:

Household Size	100% FPL (Medicaid Threshold)	138% FPL (Medicaid Expansion)	250% FPL (CSR Max)	400% FPL (Premium Tax Credit Max)
Individual	$14,580	$20,120	$36,450	$58,320
Family of 4	$30,000	$41,400	$75,000	$120,000

Note: FPL figures are based on federal guidelines and are subject to annual adjustment.

Utah Medicaid and CHIP for Logan Residents

Unlike some other states, Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3). This means that Logan residents with lower incomes have access to comprehensive, low-cost health coverage. Adults with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. For specific populations, the income thresholds are even higher:

Pregnant Women Medicaid: Covers pregnant women with income up to 144% FPL, providing comprehensive prenatal care, labor and delivery, and postpartum care. This is an extension above the standard adult Medicaid line.
CHIP for Children: Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Applications for Utah Medicaid and CHIP can be submitted through the Utah's Medicaid portal (medicaid.utah.gov). This expanded access is a critical difference for Utah residents compared to states without Medicaid expansion.

Health Insurance Carriers in Logan

For the 2026 plan year, residents of Logan, Utah, and the broader Cache County area have a selection of marketplace health insurance carriers. In 2026, 3 carriers offer marketplace plans in Rating Area 1, which covers Cache and Rich counties. These carriers provide a range of HMO and EPO plans to choose from:

BridgeSpan Health Company: Offers various plans on the marketplace.
Regence BlueCross BlueShield of Utah: A well-known insurer with a presence in the region.
Select Health: Provides a variety of health plans designed to meet different needs and budgets.

When choosing a plan, it is essential to compare not only premiums but also deductibles, copayments, coinsurance, and the specific network of doctors and hospitals. Logan, Utah, part of Cache County, presents a unique health insurance landscape. Cache County, with a population of 140,046 and an uninsured rate of 6.9% (per U.S. Census Bureau ACS 2024 5-year estimates), is served by two acute care hospitals: Intermountain Health Logan Regional Hospital in Logan and Cache Valley Hospital in North Logan. For those considering Select Health, confirming that your preferred doctors and these local hospitals are in-network is a crucial step in ensuring seamless access to care. The city of Logan itself has a population of 54,907 and a higher uninsured rate of 9.4%, highlighting the importance of understanding available coverage options.

Making Your Health Insurance Decision in Logan

Choosing the right health insurance plan in Logan requires careful consideration of your healthcare needs, budget, and eligibility for financial assistance. Here's a step-by-step approach:

Assess Your Income: Determine your household income relative to the Federal Poverty Level. This will indicate whether you qualify for Utah Medicaid (below 138% FPL), Premium Tax Credits (100-400% FPL), or Cost-Sharing Reductions (up to 250% FPL on Silver plans).
Compare Plan Types: Decide between an HMO or EPO network structure. Consider your preference for primary care provider referrals and flexibility in choosing specialists. Remember, PPO plans are not available on the Utah marketplace.
Evaluate Metal Tiers: If you expect frequent medical care, a Gold or Platinum plan with higher premiums but lower out-of-pocket costs might be suitable. If you prefer lower monthly premiums and are healthy, a Bronze plan could work, but be prepared for higher costs when you do need care. Silver plans are often a good balance, especially with CSRs.
Check Provider Networks: Ensure that your preferred doctors, specialists, and local hospitals like Intermountain Health Logan Regional Hospital are included in the network of any Select Health plan you are considering.
Utilize Free Assistance: A licensed health insurance producer can provide personalized guidance, compare plans from all available carriers, and help you enroll in a plan that best fits your needs, all at no cost to you.

Frequently Asked Questions

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

In Logan, Utah, Select Health offers HMO and EPO plans through the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah, meaning your marketplace choice will be between these two network structures.

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

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to reduce your monthly premiums for any marketplace plan, including those from Select Health. Cost-sharing reductions are also available for those up to 250% FPL who choose a Silver plan.

Which hospitals in Cache County accept Select Health plans?

Select Health plans typically contract with major health systems. In Cache County, this would include hospitals like Intermountain Health Logan Regional Hospital in Logan and Cache Valley Hospital in North Logan. Always confirm your specific plan's network before receiving care.

Is Medicaid available in Utah for Logan residents?

Yes, Utah expanded Medicaid in 2020. Adults with household income up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Pregnant women have an even higher threshold, up to 144% FPL, and children up to 200% FPL can qualify for CHIP.