Select Health Insurance Plans in Murray, Utah for 2026
- Select Health is one of 5 carriers offering marketplace plans in Utah Rating Area 3, which includes Murray, for 2026.
- Select Health offers health insurance plans with HMO and EPO network structures on HealthCare.gov in Murray.
- Residents of Murray with household incomes between 100% and 400% FPL may qualify for premium tax credits to reduce their monthly premiums.
- Utah expanded Medicaid in 2020, covering adults up to 138% FPL, and pregnant women up to 144% FPL.
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What Select Health Plans Are Available in Murray, Utah?
In Murray, Select Health provides health insurance plans that emphasize coordinated care and specific provider networks. For the 2026 plan year, Select Health offers both HMO and EPO plans on the HealthCare.gov marketplace. These plan types dictate how you access doctors, specialists, and hospitals, typically requiring you to choose a primary care provider (PCP) within the network and obtain referrals for specialists in an HMO. EPO plans generally do not require a PCP or referrals but still limit coverage to providers within the plan's exclusive network. It is important to review the specific network details of any Select Health plan to ensure your preferred doctors and facilities, such as Intermountain Medical Center in Murray, are included.Understanding Your Eligibility for Financial Assistance
Many Murray residents can significantly lower their health insurance costs through financial assistance available on HealthCare.gov. These subsidies come in two main forms:- Premium Tax Credits (PTC): If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for tax credits that reduce your monthly premium. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.
- Cost-Sharing Reductions (CSRs): Individuals and families with incomes between 100% and 250% FPL may also qualify for CSRs, which lower your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.
Health Insurance Carriers in Murray
In 2026, 5 carriers offer marketplace plans in Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO options to residents, including those in Murray. The confirmed carriers for this rating area are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Navigating Health Care in Murray, Utah
Murray, with a population of 50,188 and an uninsured rate of 7.1% per U.S. Census Bureau ACS 2024 5-year estimates, is a vibrant city within Salt Lake County. Salt Lake County, with a population of 1,196,523, hosts numerous medical facilities. Intermountain Medical Center, located directly in Murray, is a major acute care hospital. Other significant hospitals in Salt Lake County include University of Utah Hospital and Clinics and St Mark's Hospital, both in Salt Lake City, and Holy Cross Hospital - Salt Lake. Residents of Murray have access to a comprehensive network of healthcare providers and facilities.Making the Right Choice for Your Health Coverage
Choosing the right health insurance plan in Murray involves evaluating your personal health needs, financial situation, and preferred access to care.| Your Situation | Recommended Action | Key Consideration |
|---|---|---|
| Low Income (below 138% FPL) | Apply for Utah Medicaid. | Comprehensive coverage with minimal or no cost. |
| Moderate Income (100% - 250% FPL) | Explore Silver plans with Cost-Sharing Reductions (CSRs) on HealthCare.gov. | Lower deductibles and out-of-pocket costs in addition to premium tax credits. |
| Higher Income (250% - 400% FPL) | Compare Bronze, Silver, and Gold plans with Premium Tax Credits (PTC) on HealthCare.gov. | Balance monthly premiums with potential out-of-pocket expenses. |
| No Subsidy Eligibility | Consider all metal tiers (Bronze, Silver, Gold, Platinum) based on expected medical use. | Higher deductibles on Bronze for lower premiums; higher premiums on Gold/Platinum for lower out-of-pocket costs. |
Frequently Asked Questions
What types of Select Health plans are available in Murray, Utah?
In Murray, part of Utah Rating Area 3, Select Health offers marketplace plans with HMO and EPO network structures. PPO plans are not available on the HealthCare.gov marketplace in Utah, meaning your choice will be between these two types of managed care plans.
Can I get a subsidy for a Select Health plan in Murray?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs for a Select Health plan through HealthCare.gov. Individuals with incomes below 138% FPL may qualify for Utah Medicaid.
Does Select Health cover Intermountain Medical Center in Murray?
Select Health is part of the Intermountain Health system, and its plans typically provide in-network coverage for facilities like Intermountain Medical Center in Murray, as well as other Intermountain Health hospitals and clinics across Utah. Always confirm network specifics for your chosen plan.
What is Utah Rating Area 3?
Utah Rating Area 3 is a multi-county region that includes Murray. It encompasses Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Health insurance plans offered on the marketplace have the same pricing within a given rating area, regardless of the specific city or town.