Select Health Insurance Plans in Millard County, Utah
- Select Health is one of 2 confirmed carriers offering marketplace plans in Millard County for 2026.
- Millard County residents can choose between HMO and EPO plan types; PPO plans are not available on-exchange in Utah.
- Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level.
- Millard County has a population of 13,315 and an uninsured rate of 11.5%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Select Health Plans Are Available in Millard County?
In Millard County, Select Health offers health insurance plans primarily through HealthCare.gov. For the 2026 plan year, marketplace shoppers in Utah Rating Area 6 will find plans structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your primary choices for marketplace coverage will be HMOs and EPOs. HMO (Health Maintenance Organization) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network, who then coordinates your care and provides referrals to specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside the network. EPO (Exclusive Provider Organization) Plans: EPO plans offer a network of doctors and hospitals you can use, similar to an HMO, but generally do not require a PCP referral to see specialists within the network. However, EPOs typically do not cover care received from out-of-network providers, except in emergencies. When considering a Select Health plan, evaluate your preferred doctors, hospitals, and prescription needs to ensure they are covered within the plan's network.Understanding Health Insurance Costs and Subsidies in Millard County
The cost of health insurance through Select Health or any other carrier in Millard County can vary significantly based on the plan's metal tier (Bronze, Silver, Gold), your age, and whether you qualify for financial assistance. Utah utilizes HealthCare.gov, the federal marketplace, where eligible individuals and families can receive subsidies to lower their monthly premiums and out-of-pocket costs.Premium Tax Credits
Premium tax credits, also known as subsidies, are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits can be used immediately to reduce your monthly premium payment. The exact amount of your 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% of the FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These subsidies lower your out-of-pocket expenses like deductibles, copayments, and coinsurance. CSRs are only available if you enroll in a Silver-tier plan. Opting for an Enhanced Silver plan can provide significantly better coverage at a lower out-of-pocket cost than a standard Silver plan, or even many Gold plans, for those who qualify.| Federal Poverty Level (FPL) | Potential Financial Assistance |
|---|---|
| Below 138% FPL | Eligible for Utah Medicaid |
| 100% - 250% FPL | Premium Tax Credits & Cost-Sharing Reductions (CSRs) on Silver plans |
| 250% - 400% FPL | Premium Tax Credits only |
| Above 400% FPL | No income-based subsidies, but can enroll through HealthCare.gov |
Medicaid and CHIP Options in Millard County
Utah expanded its Medicaid program in 2020 through Proposition 3, making health coverage accessible to more residents. This is a critical difference from states that have not expanded Medicaid. Utah Medicaid for Adults: Adults in Millard County with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. This provides essential health benefits with little to no out-of-pocket costs. Medicaid for Pregnant Women: Pregnant women in Utah may qualify for Medicaid with income up to 144% FPL, providing coverage for prenatal care, labor and delivery, and postpartum services. CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL, ensuring access to necessary medical care. You can apply for Utah Medicaid or CHIP through Utah's Medicaid portal (medicaid.utah.gov) or via HealthCare.gov.Health Insurance Carriers in Millard County
Millard County is part of Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In 2026, 2 carriers offer marketplace plans in Rating Area 6: Select Health: As a prominent carrier in Utah, Select Health provides a range of HMO and EPO plans designed to serve the diverse healthcare needs of residents in Millard County. University of Utah Health Plans: Another key provider, University of Utah Health Plans, also offers marketplace options in Rating Area 6, giving consumers additional choices for their health coverage. When comparing plans, it's recommended to review the specific network of doctors and hospitals for each carrier to ensure your preferred providers are included. Millard County, with a population of 13,315 and an uninsured rate of 11.5% (per U.S. Census Bureau ACS 2024 5-year estimates), relies on these carriers for access to health coverage. Given that Millard County has no acute care hospitals within its boundaries, residents often travel to neighboring counties for hospital services. Therefore, understanding the network coverage of plans offered by Select Health and University of Utah Health Plans is particularly important for residents.Choosing the Right Select Health Plan for You
Selecting the ideal Select Health plan in Millard County involves considering your budget, health needs, and preferred access to care. 1. Assess Your Budget: Determine how much you can comfortably afford for monthly premiums and consider your potential out-of-pocket costs (deductibles, copays, coinsurance). If your income is below 400% FPL, explore subsidies on HealthCare.gov. 2. Evaluate Your Healthcare Needs: If you anticipate frequent doctor visits or have chronic conditions, a Gold plan with lower out-of-pocket costs may be beneficial, despite higher premiums. If you're generally healthy and primarily want coverage for emergencies, a Bronze plan might be suitable, especially if you qualify for an HSA-eligible option. 3. Check Network Coverage: Confirm that your preferred doctors, specialists, and any necessary medical facilities are included in the Select Health plan's network, especially given that Millard County residents may need to travel for acute care. Both HMO and EPO plans have specific network requirements. 4. Consider Medicaid/CHIP: If your income is below 138% FPL for adults, 144% FPL for pregnant women, or 200% FPL for children, you may qualify for Utah Medicaid or CHIP, which offer comprehensive coverage at low or no cost. A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and complete the enrollment process for a Select Health plan in Millard County, all at no cost to you.Frequently Asked Questions
What types of Select Health plans are available in Millard County?
In Millard County, Select Health offers both Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on-exchange in Utah.
Can I get a subsidy for Select Health plans in Millard County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits and cost-sharing reductions to lower the cost of a Select Health plan. These subsidies are available when you enroll through HealthCare.gov.
How do I enroll in a Select Health plan in Millard County?
You can enroll in a Select Health plan during the annual Open Enrollment Period through HealthCare.gov, or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed health insurance producer can assist you with the application process at no additional cost.
Is Medicaid an option in Millard County?
Yes, Utah expanded Medicaid in 2020. Adults in Millard County with income up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children through CHIP up to 200% FPL.