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

Select Health Insurance Plans in North Salt Lake, Utah

Navigating health insurance options in North Salt Lake, Utah, involves understanding the plans available through HealthCare.gov and the specific carriers that serve Rating Area 3. Select Health is a prominent provider in this region, offering a range of health plans designed to meet diverse needs. As a resident of North Salt Lake, you have access to plans from Select Health and other carriers, with potential financial assistance through ACA subsidies to make coverage more affordable. Utah operates on the federal marketplace, HealthCare.gov, which simplifies the process of comparing plans and enrolling. This guide will help you understand your options, including plan types, local carriers, and how to access financial aid.

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What Health Insurance Plans Are Available in North Salt Lake?

In North Salt Lake, Utah, the health insurance marketplace primarily offers two types of plans: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your marketplace choice will focus on the network structures and benefits offered by HMO and EPO plans. HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the network, who then refers you to specialists as needed. They generally have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers outside the network. EPO Plans: EPO plans also use a network of doctors and hospitals, but you usually don't need a referral to see a specialist. However, they generally do not cover care received outside the network, except in emergencies. When evaluating plans from carriers like Select Health, consider your preferred doctors, hospitals, and prescription needs to determine which network structure best suits your family. All plans offered on HealthCare.gov cover essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services.

Health Insurance Carriers in North Salt Lake

For the 2026 plan year, residents of North Salt Lake, which is part of Utah's Rating Area 3, have access to plans from four confirmed health insurance carriers on HealthCare.gov. These carriers provide a range of HMO and EPO options to choose from. Rating Area 3 covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. The confirmed carriers offering marketplace plans in Rating Area 3 for 2026 are: Select Health is a prominent provider in Utah, offering various plans across different metal tiers (Bronze, Silver, Gold). When comparing plans, carefully review the specific benefits, deductibles, co-pays, and out-of-pocket maximums for each option. For instance, a Bronze plan from Select Health will have lower monthly premiums but higher out-of-pocket costs when you use care, while a Gold plan will have higher premiums but lower costs when you receive medical services.

Understanding Financial Assistance and Utah Medicaid

Many North Salt Lake residents qualify for financial assistance to help pay for their health insurance premiums and out-of-pocket costs. These subsidies are available through HealthCare.gov based on your household income and size. Premium Tax Credits: These credits reduce your monthly premium payment. The amount you receive depends on your income relative to the Federal Poverty Level (FPL). Cost-Sharing Reductions (CSRs): These subsidies lower your deductibles, co-pays, and out-of-pocket maximums. CSRs are only available if you enroll in a Silver-tier plan and meet specific income thresholds. North Salt Lake, Utah, is part of Davis County, which has a population of 370,924 and a median household income of $110,884, per U.S. Census Bureau ACS 2024 5-year estimates. The city of North Salt Lake itself has a population of 23,474 with a median income of $101,447 and an uninsured rate of 8.9%. This relatively high uninsured rate compared to the county average of 5.7% underscores the importance of accessible and affordable health coverage options, which include both marketplace plans and Medicaid. Utah expanded Medicaid in 2020, through Proposition 3. This means adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing comprehensive coverage with little to no cost. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, and the Children's Health Insurance Program (CHIP) covers children in households up to 200% FPL. If your income falls within these ranges, you should explore Utah Medicaid through medicaid.utah.gov before enrolling in a marketplace plan.

Hospitals and Healthcare Facilities in Davis County

Access to quality healthcare facilities is a key consideration when choosing a health plan. North Salt Lake is located in Davis County, which is served by several acute care hospitals. When selecting a plan from Select Health or another carrier, it's important to verify that your preferred hospitals and doctors are within the plan's network. Hospitals in Davis County include: These facilities provide a range of services, from emergency care to specialized treatments. For North Salt Lake residents, Holy Cross Hospital-davis in nearby Layton is a notable acute care option. Ensure that any plan you choose, particularly an HMO or EPO, includes access to the hospitals and specialists you might need.

Making Your Health Insurance Decision in North Salt Lake

Choosing the right health insurance plan in North Salt Lake depends on several factors, including your income, health needs, and preference for specific doctors or hospitals. If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply through medicaid.utah.gov for comprehensive, low-cost coverage. If your income is between 100% and 400% FPL: You are eligible for premium tax credits through HealthCare.gov. Consider a Silver plan, as you may also qualify for Cost-Sharing Reductions (CSRs) that lower your out-of-pocket costs significantly. If your income is above 400% FPL: You can still enroll in a marketplace plan on HealthCare.gov. Focus on finding a plan that balances monthly premiums with deductible and co-pay amounts that fit your budget and expected healthcare usage. A licensed health insurance producer can help you navigate these options, compare plans from Select Health and other carriers, and determine your eligibility for financial assistance, all at no cost to you.

Frequently Asked Questions

What types of health insurance plans are available in North Salt Lake?
In North Salt Lake, Utah, residents can choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans on HealthCare.gov. PPO (Preferred Provider Organization) plans are not available through the federal marketplace in Utah.
Can I get a Select Health plan with a subsidy in North Salt Lake?
Yes, if you qualify for an Affordable Care Act (ACA) subsidy based on your household income and size, you can apply these savings to any marketplace plan offered by Select Health or other carriers in North Salt Lake through HealthCare.gov. Subsidies can significantly reduce your monthly premiums.
What is the uninsured rate in North Salt Lake?
According to U.S. Census Bureau ACS 2024 5-year estimates, North Salt Lake has an uninsured rate of 8.9%. This is higher than the Davis County average of 5.7%, highlighting the importance of exploring affordable coverage options.
How does Utah Medicaid work in North Salt Lake?
Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost health coverage. Pregnant women can qualify up to 144% FPL, and children through CHIP up to 200% FPL. Applications are processed via medicaid.utah.gov.

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