Select Health Insurance Plans in North Ogden, Utah for 2026
- In 2026, Select Health is one of 4 carriers offering marketplace plans in Utah's Rating Area 2, serving North Ogden.
- North Ogden residents primarily choose between HMO and EPO plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
- Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% of the Federal Poverty Level (FPL) to qualify for coverage.
- North Ogden has a low uninsured rate of 5.2%, significantly below the national average, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Select Health Plans Are Available in North Ogden?
In North Ogden, Select Health offers a range of health insurance plans primarily through HealthCare.gov, the federal marketplace for Utah. For the 2026 plan year, consumers can expect to find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers in North Ogden will choose between HMO and EPO network structures. Select Health plans typically provide comprehensive coverage for essential health benefits, including doctor visits, hospital stays, prescription drugs, mental health services, and preventive care. The specific benefits, deductibles, copayments, and out-of-pocket maximums will vary by plan tier (Bronze, Silver, Gold, Platinum). Lower-tier plans like Bronze generally have lower monthly premiums but higher out-of-pocket costs when care is received, while Gold and Platinum plans feature higher premiums but lower costs at the point of service.Understanding Health Insurance Subsidies in North Ogden
Many North Ogden residents may qualify for financial assistance to help pay for their Select Health insurance plans. These subsidies are available through HealthCare.gov and are based on household income and family size.| Household Size | 100% FPL | 150% FPL | 200% FPL | 250% FPL | 400% FPL |
|---|---|---|---|---|---|
| 1 Person | $15,060 | $22,590 | $30,120 | $37,650 | $60,240 |
| 2 People | $20,440 | $30,660 | $40,880 | $51,100 | $81,760 |
| 3 People | $25,820 | $38,730 | $51,640 | $64,550 | $103,280 |
| 4 People | $31,200 | $46,800 | $62,400 | $78,000 | $124,800 |
| Note: FPL figures are subject to annual adjustment by the Department of Health and Human Services. These are illustrative examples. | |||||
- Premium Tax Credits (PTC): These reduce your monthly premium payment. They are available to individuals and families with incomes between 100% and 400% (or higher, depending on the cost of the benchmark plan) of the Federal Poverty Level (FPL).
- Cost-Sharing Reductions (CSR): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are typically for those with incomes up to 250% FPL.
Utah Medicaid and CHIP Eligibility for North Ogden Residents
Utah expanded its Medicaid program in 2020, significantly broadening eligibility for low-income adults. For North Ogden residents, this means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states without expansion, as it ensures a pathway to coverage for many who would otherwise be uninsured. Beyond standard adult Medicaid, Utah also provides specific programs for vulnerable populations:- Pregnant Women Medicaid: Covers pregnant women with incomes up to 144% FPL, offering comprehensive prenatal, labor, delivery, and postpartum care. Enrollment is through Utah's Medicaid portal (medicaid.utah.gov).
- Children's Health Insurance Program (CHIP): Provides coverage for uninsured children in households with incomes up to 200% FPL.
Hospitals and Healthcare Facilities Serving North Ogden
North Ogden residents rely on healthcare facilities within Weber County for acute care and specialized medical services. Weber County is home to two major acute care hospitals, which are key components of the local healthcare infrastructure. These facilities are:- Mckay-dee Hospital (Ogden)
- Ogden Regional Medical Center (Ogden)
Health Insurance Carriers in North Ogden
For North Ogden residents seeking health insurance coverage through HealthCare.gov, it is important to know which carriers operate in their specific rating area. North Ogden is part of Utah Rating Area 2, which covers Box Elder, Morgan, and Weber counties. In 2026, 4 carriers offer marketplace plans in Rating Area 2, providing options for consumers to compare and choose from. The confirmed carriers for Rating Area 2 in 2026 are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Making Your Health Insurance Decision in North Ogden
Choosing the right health insurance plan in North Ogden involves assessing your personal health needs, budget, and eligibility for financial assistance.| Your Situation | Recommended Action | Key Consideration |
|---|---|---|
| Income < 138% FPL | Apply for Utah Medicaid | Comprehensive, low-cost coverage. Verify eligibility at medicaid.utah.gov. |
| Income 100-250% FPL | Explore Silver plans with Cost-Sharing Reductions (CSRs) | Lower deductibles and out-of-pocket costs, in addition to premium tax credits. |
| Income 100-400% FPL (or higher, depending on benchmark plan cost) | Compare Bronze, Silver, Gold plans with Premium Tax Credits | Balance monthly premium with expected out-of-pocket costs. Higher metal tiers offer more coverage before deductible. |
| Healthy, willing to pay more out-of-pocket | Consider Bronze or High Deductible Health Plans (HDHPs) | Lower monthly premiums, but higher costs for care. May be combined with an HSA. |
| Regular medical needs, prefer predictable costs | Evaluate Gold or Platinum plans | Higher premiums, but lower deductibles and copayments for routine care. |
Frequently Asked Questions
What types of Select Health plans are available in North Ogden, Utah?
In North Ogden, Utah, Select Health primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on-exchange in Utah, meaning your marketplace choice will focus on these network structures.
How do I enroll in a Select Health plan in North Ogden?
You can enroll in a Select Health plan during the annual Open Enrollment Period via HealthCare.gov. If you experience a qualifying life event like marriage, childbirth, or losing other coverage, you may be eligible for a Special Enrollment Period outside of Open Enrollment. A licensed agent can assist you through this process for free.
Can I get financial assistance for Select Health plans in North Ogden?
Yes, individuals and families in North Ogden may qualify for premium tax credits and cost-sharing reductions based on their household income. These subsidies are available through HealthCare.gov and can significantly lower your monthly premiums and out-of-pocket costs for Select Health plans.
What hospitals can I use with Select Health in Weber County?
Select Health plans typically contract with a network of local providers. In Weber County, major hospitals include Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden. It is essential to verify specific network affiliations for any plan you consider to ensure your preferred doctors and facilities are covered.