Select Health Insurance Plans in Magna, Utah
- Select Health is one of 5 confirmed carriers offering marketplace plans in Magna's Rating Area 3 for 2026.
- Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level.
- Marketplace plans in Utah are limited to HMO and EPO network types; PPO plans are not available on HealthCare.gov.
- The average uninsured rate in Salt Lake County, where Magna is located, is 9.2% per U.S. Census Bureau ACS 2024 estimates.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
What Health Insurance Options Are Available in Magna?
Residents of Magna, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. For 2026, the marketplace in Rating Area 3 offers plans from a selection of carriers, including Select Health. It's important to note that unlike some other states, Utah's marketplace plans are limited to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace subsidies do not apply to them even if found off-exchange. Beyond the marketplace, individuals with lower incomes may qualify for Utah Medicaid, which expanded in 2020. This program provides comprehensive, low-cost coverage to adults with incomes up to 138% of the Federal Poverty Level. Special programs also exist for pregnant women (up to 144% FPL) and children (CHIP, up to 200% FPL). For those who do not qualify for subsidies or Medicaid, off-marketplace plans are another option, though they do not receive financial assistance.Understanding Select Health Plans in Your Area
Select Health is one of the key health insurance carriers serving Magna residents through the HealthCare.gov marketplace. Their plans typically fall into different metal tiers — Bronze, Silver, Gold, and sometimes Platinum — each offering a different balance of monthly premiums versus out-of-pocket costs. Bronze plans have the lowest premiums but the highest deductibles and out-of-pocket maximums, making them suitable for individuals who anticipate minimal medical care or prefer lower monthly costs. Silver plans offer a moderate balance, and are particularly valuable for those who qualify for Cost-Sharing Reductions (CSRs), which further lower deductibles and copayments. Gold plans feature higher premiums but lower out-of-pocket costs, ideal for those who expect to use medical services frequently. When evaluating Select Health plans, consider the network of doctors and hospitals. Select Health's network includes many major providers and facilities in Salt Lake County, such as Holy Cross Hospital - Salt Lake and University of Utah Hospital and Clinics. Familiarizing yourself with the specific network for any plan you consider is essential to ensure your preferred doctors and specialists are covered.Health Insurance Carriers in Magna
For 2026, residents of Magna, located within Utah's Rating Area 3, have access to marketplace plans from 5 confirmed carriers. These carriers offer various HMO and EPO plans designed to meet diverse healthcare needs. It is crucial to compare plans from each of these providers to find the best fit for your budget and medical requirements. The confirmed carriers offering marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
How Financial Assistance and Medicaid Work in Utah
Utah has an expanded Medicaid program, a significant benefit for lower-income residents of Magna. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This means that individuals who earn less than approximately $20,780 annually (for a single person in 2024) may qualify for free or very low-cost comprehensive health coverage. Additionally, pregnant women may qualify for Utah Medicaid up to 144% FPL, and children up to 200% FPL through the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through medicaid.utah.gov. For those above Medicaid income thresholds but still needing financial assistance, premium tax credits and cost-sharing reductions are available through HealthCare.gov. Premium tax credits lower your monthly insurance payments, while cost-sharing reductions (available only with Silver plans) reduce your deductibles, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level.| Household Size | 100% FPL | 138% FPL (Medicaid Max) | 200% FPL (CHIP Max) | 250% FPL (CSRs Max) | 400% FPL (PTCs Max) |
|---|---|---|---|---|---|
| 1 | $14,580 | $20,110 | $29,160 | $36,450 | $58,320 |
| 2 | $19,720 | $27,214 | $39,440 | $49,300 | $78,880 |
| 3 | $24,860 | $34,319 | $49,720 | $62,150 | $99,440 |
| 4 | $30,000 | $41,424 | $60,000 | $75,000 | $120,000 |
| Note: FPL figures are for 2024 and are updated annually. Use as an estimate. | |||||
Making Your Health Insurance Decision in Magna
Choosing the right health insurance plan in Magna involves several considerations. Start by assessing your healthcare needs: how often do you visit the doctor? Do you have ongoing prescriptions or chronic conditions? This will help you determine which metal tier (Bronze, Silver, Gold) aligns best with your expected medical expenses. Remember that Silver plans offer valuable cost-sharing reductions for those within specific income brackets. Next, verify that your preferred doctors, specialists, and medical facilities, such as Intermountain Medical Center or St Mark's Hospital in Salt Lake County, are within the network of any Select Health plan you're considering. Since PPO plans are not available on-exchange in Utah, understanding the specific HMO or EPO network rules is vital. Finally, utilize the financial assistance available through HealthCare.gov or Utah Medicaid if your income qualifies. A licensed health insurance producer can provide personalized guidance, help you compare plans from all available carriers, and assist with enrollment at no charge.Frequently Asked Questions
How do I enroll in a Select Health plan in Magna?
You can enroll in a Select Health plan through HealthCare.gov during the annual Open Enrollment Period (typically November 1 to January 15) or if you qualify for a Special Enrollment Period (SEP). SEPs are triggered by qualifying life events such as marriage, birth of a child, or loss of other coverage. A licensed agent can assist you with the application process at no cost.
What are the income limits for Utah Medicaid in Magna?
Utah expanded Medicaid in 2020. Adults in Magna with household income up to 138% of the Federal Poverty Level (FPL) may qualify. For example, in 2024, this means a single adult earning approximately $20,780 per year or less, or a family of four earning around $43,056 per year or less. Pregnant women and children have higher income thresholds for Medicaid and CHIP.
Are PPO plans available on HealthCare.gov in Magna?
No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Magna. Marketplace shoppers in Utah choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. While PPO plans may exist off-marketplace, they typically do not qualify for premium tax credits.
What is Rating Area 3 in Utah?
Rating Area 3 is a specific geographic area in Utah that determines which health insurance plans are available and their pricing. For Magna residents, Rating Area 3 covers Salt Lake County, along with Davis, Summit, Tooele, and Wasatch counties. All carriers offering plans in this rating area use the same base rates, though specific plan designs and networks will vary.
Can I get help paying for a Select Health plan in Magna?
Yes, depending on your income, you may qualify for financial assistance. Premium tax credits can lower your monthly premiums, and if you choose a Silver plan, you might also be eligible for cost-sharing reductions, which reduce your out-of-pocket costs like deductibles and copayments. Both are available through HealthCare.gov.