Select Health Insurance Plans in Millcreek, Utah

Q: What types of plans does Select Health offer in Millcreek, Utah?

In Millcreek, Select Health offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

Select Health is one of 5 confirmed carriers offering marketplace plans in Millcreek's Rating Area 3 for 2026.
Millcreek residents can choose between HMO and EPO plan types on HealthCare.gov; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for coverage.
Millcreek has a population of 63,648 and an uninsured rate of 7.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Millcreek, Utah, navigating health insurance options involves understanding the plans available through HealthCare.gov and the specific carriers that serve Rating Area 3, which includes Salt Lake County. Select Health is a key provider in this region, offering various plans designed to meet different health and budget needs. As Utah is an expanded Medicaid state, individuals and families with lower incomes may qualify for comprehensive state-funded coverage, while those with moderate incomes can access significant subsidies to reduce the cost of marketplace plans.

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What Health Insurance Options Are Available in Millcreek, Utah?

In Millcreek, residents primarily access health insurance through HealthCare.gov, the federal marketplace for Utah. The marketplace in Utah offers two main plan types: HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your marketplace choice will focus on plans that utilize a network of doctors and hospitals, often requiring a primary care physician referral for specialists in the case of HMOs, or offering more flexibility within a defined network for EPOs.

Beyond the marketplace, Utah has expanded its Medicaid program, which became effective in 2020 following a ballot initiative. This expansion means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This is a critical difference from states without Medicaid expansion, ensuring that more low-income residents in Millcreek have access to affordable, comprehensive health coverage. Additionally, pregnant women may qualify for Utah Medicaid up to 144% FPL, and children through CHIP up to 200% FPL, providing vital support for families.

Health Insurance Carriers in Millcreek

Millcreek, located within Salt Lake County, is part of Utah Rating Area 3. In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO options to choose from:

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

When considering a Select Health plan, it's essential to compare it with offerings from these other carriers to find the best fit for your specific healthcare needs and budget. Each carrier will have different network providers and formulary lists, so verifying that your preferred doctors and medications are covered is a crucial step in the selection process.

Understanding Select Health Plan Tiers and Costs

HealthCare.gov plans, including those from Select Health, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share costs:

Bronze Plans: These plans have lower monthly premiums but higher deductibles and out-of-pocket maximums. They cover roughly 60% of healthcare costs, with you paying the remaining 40%. Bronze plans are generally best for those who expect to use healthcare services infrequently.
Silver Plans: Silver plans offer moderate premiums and deductibles. They cover about 70% of healthcare costs. Critically, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which can significantly lower your deductibles, copayments, and out-of-pocket maximums if your income is between 100% and 250% FPL.
Gold Plans: With higher monthly premiums, Gold plans cover approximately 80% of healthcare costs, meaning lower out-of-pocket expenses when you receive care. These plans are suitable for individuals who anticipate needing more medical services throughout the year.
Platinum Plans: The highest premium plans, Platinum plans cover about 90% of healthcare costs, leaving you with the lowest out-of-pocket expenses for medical care. They are ideal for those who have extensive healthcare needs and want predictable costs.

The actual cost of a Select Health plan will depend on your chosen tier, your age, household size, and income, as subsidies can significantly reduce your monthly premium.

How to Choose the Right Health Plan in Millcreek

Choosing the right health insurance plan requires evaluating several factors specific to your situation. For Millcreek residents, here are key considerations:

Factor	Consideration for Millcreek Residents
Income Level	Below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov. 100% - 400% FPL: Eligible for premium tax credits on HealthCare.gov. Consider Silver plans for potential Cost-Sharing Reductions. Above 400% FPL: You can still purchase plans on HealthCare.gov, but without federal subsidies.
Plan Type (HMO vs. EPO)	HMO: Typically requires you to choose a Primary Care Physician (PCP) and get referrals for specialists. Lower out-of-pocket costs within the network. EPO: Does not usually require a PCP or referrals, but only covers care from providers within its network (except emergencies).
Healthcare Needs	If you expect frequent doctor visits or have chronic conditions, a Gold or Platinum plan may offer better value despite higher premiums. If you are generally healthy and only anticipate emergency care, a Bronze plan might be more cost-effective.
Provider Network	Verify that your preferred doctors, specialists, and hospitals in the Salt Lake County area are included in the plan's network. Major hospital systems in Salt Lake County include Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, and Intermountain Medical Center.

Millcreek, part of Salt Lake County, serves a population of 63,648 with a median income of $98,045 and an uninsured rate of 7.2%, per U.S. Census Bureau ACS 2024 5-year estimates. This uninsured rate is notably lower than the county average of 9.2%, indicating higher coverage rates within the city. Ensuring you have adequate coverage through carriers like Select Health or other local providers is crucial for accessing the diverse healthcare facilities available in the Salt Lake County area.

Frequently Asked Questions

What types of plans does Select Health offer in Millcreek, Utah?

Select Health offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov in Millcreek, Utah. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for a Select Health plan in Millcreek?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions to lower the cost of a Select Health plan on HealthCare.gov. Subsidies are based on your income, household size, and the cost of the benchmark Silver plan in your area.

How do I enroll in a Select Health plan in Millcreek?

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, childbirth, or losing other coverage. A licensed agent can provide free assistance to compare plans and complete your application.

Does Utah have expanded Medicaid, and how does it affect Millcreek residents?

Yes, Utah expanded Medicaid in 2020. This means adults in Millcreek with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, providing comprehensive, low-cost health coverage. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL for CHIP.