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

Select Health Insurance Plans in Moab, Utah

In 2026, Moab residents in Rating Area 6 have two carrier options on the HealthCare.gov marketplace: Select Health and University of Utah Health Plans.
Marketplace plans in Utah are limited to HMO and EPO network types; PPO plans are not offered on-exchange.
Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% FPL to qualify for coverage.
The uninsured rate in Moab is 14.6%, higher than Grand County's 10.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
Financial assistance is available for individuals and families in Moab with incomes between 100% and 400% FPL.

Navigating health insurance options in Moab, Utah, involves understanding the specific plans available through HealthCare.gov, especially from carriers like Select Health. As a resident of Moab, which falls within Utah's Rating Area 6, you have access to plans from confirmed carriers that cater to your needs, whether you're seeking individual, family, or small business coverage. This guide focuses on the choices available, including network types, financial assistance opportunities, and how to enroll in a plan that fits your budget and healthcare preferences.

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What Health Insurance Plans Are Available in Moab, Utah?

For the 2026 plan year, residents of Moab, Utah, can choose from health insurance plans offered by two specific carriers on the HealthCare.gov marketplace. These options are available within Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In Utah, the marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your choices will focus on the network structure and referral requirements of HMOs and EPOs. HMOs typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPOs offer more flexibility to see specialists without a referral, as long as they are within the plan's network. All plans offered on HealthCare.gov are Affordable Care Act (ACA)-compliant, meaning they cover essential health benefits such as prescription drugs, maternity care, mental health services, and preventive care at no extra cost.

Understanding Select Health Plans in Moab

Select Health is one of the two confirmed carriers offering health insurance plans on the HealthCare.gov marketplace in Moab, Utah, for 2026. As a major provider in Utah, Select Health offers a range of plans designed to meet different healthcare needs and budgets. Their offerings in Rating Area 6 typically include various metal tiers—Bronze, Silver, Gold, and sometimes Platinum—each with different cost-sharing structures. Bronze plans generally have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use or want protection against catastrophic costs. Silver plans offer a balance of moderate premiums and deductibles, with the added benefit of cost-sharing reductions (CSRs) for eligible individuals and families. Gold and Platinum plans feature higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for those who expect to use healthcare services frequently. When considering a Select Health plan, it is crucial to review their specific network of doctors, hospitals, and specialists to ensure your preferred providers are included. Since plans in Utah are primarily HMO and EPO, understanding the network is key to maximizing your benefits and minimizing unexpected costs.

Other Health Insurance Carriers in Moab

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which includes Moab. Beyond Select Health, residents can also choose plans from University of Utah Health Plans. Both carriers provide ACA-compliant health insurance options across the metal tiers, allowing consumers to compare benefits, networks, and costs to find the best fit. When comparing plans, consider not only the monthly premium but also the deductible, copayments, coinsurance, and the annual out-of-pocket maximum. These factors significantly impact your total healthcare costs throughout the year. Utilizing the plan comparison tools on HealthCare.gov can help you evaluate options side-by-side, taking into account your specific health needs and financial situation.

Financial Assistance and Utah Medicaid in Moab

Many Moab residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two primary forms through HealthCare.gov:

Premium Tax Credits (Subsidies): These credits reduce your monthly premium payment. Eligibility is based on household income, generally for those earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You may qualify for CSRs if your household income is up to 250% FPL.

Utah expanded Medicaid in 2020. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive health coverage with little to no cost. For a single individual, this threshold is approximately $20,120 per year (based on 2023 FPL, subject to annual updates). This expansion is a critical difference from states without expanded Medicaid, as it closes the "coverage gap" for many low-income residents. Additionally, Utah Medicaid covers pregnant women with income up to 144% FPL, providing essential prenatal, labor, delivery, and postpartum care. Uninsured children in households up to 200% FPL may qualify for Utah CHIP (Children's Health Insurance Program). Applications for Utah Medicaid can be submitted through the state's Medicaid portal (medicaid.utah.gov).

Making Your Health Insurance Decision in Moab

Choosing the right health insurance plan in Moab requires careful consideration of your healthcare needs, financial situation, and the available options. Grand County, where Moab is located, has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute care. With a population of 5,312 and a median income of $61,667, per U.S. Census Bureau ACS 2024 5-year estimates, Moab has an uninsured rate of 14.6%. This is higher than the Grand County uninsured rate of 10.9%, highlighting the importance of securing appropriate coverage. Here's a guide to help you decide:

Your Situation	Recommended Action
Income below 138% FPL	Apply for Utah Medicaid through medicaid.utah.gov. You likely qualify for free or low-cost comprehensive coverage.
Income 100% - 250% FPL	Explore Silver plans on HealthCare.gov. You are eligible for both premium tax credits and cost-sharing reductions, making Silver plans a highly valuable option with lower out-of-pocket costs.
Income 250% - 400% FPL	Shop for Bronze, Silver, or Gold plans on HealthCare.gov. You are eligible for premium tax credits to lower your monthly premiums, but not cost-sharing reductions. Compare deductibles and out-of-pocket maximums carefully.
Income above 400% FPL	You can purchase plans on HealthCare.gov without subsidies or explore off-marketplace options directly from carriers. Focus on plan networks and benefits that meet your needs.

A licensed health insurance producer can provide personalized guidance, help you compare plans from Select Health and University of Utah Health Plans, and assist with the enrollment process, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available in Moab, Utah?

In Moab, Utah, and across Rating Area 6, marketplace plans are structured as HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) networks. PPO (Preferred Provider Organization) plans are not available on the HealthCare.gov marketplace in Utah, meaning your choice will focus on the flexibility and cost structures of HMOs and EPOs.

Who offers marketplace health insurance plans in Moab, Utah?

For the 2026 plan year, two carriers offer marketplace health insurance plans in Moab, Utah, which is part of Rating Area 6. These carriers are Select Health and University of Utah Health Plans. These are the only confirmed carriers for this specific rating area.

Can I get help paying for health insurance in Moab?

Yes, many Moab residents qualify for financial assistance, including premium tax credits and cost-sharing reductions, through HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals and families with incomes between 100% and 400% FPL are generally eligible for premium tax credits, which can significantly lower monthly premiums. Those with incomes up to 250% FPL may also qualify for cost-sharing reductions, which reduce out-of-pocket costs like deductibles and copayments.

Does Utah have expanded Medicaid?

Yes, Utah expanded its Medicaid program in 2020 following a ballot initiative. This means adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing comprehensive health coverage at no or very low cost. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.