Select Health Insurance Options in Ogden, Utah
- In 2026, four health insurance carriers, including Select Health, offer marketplace plans in Ogden, Utah's Rating Area 2.
- Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.
- Ogden's population is 87,413, with an uninsured rate of 13.7%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Plans Are Available in Ogden, Utah?
Residents of Ogden, Utah, purchase health insurance plans through HealthCare.gov, the federal marketplace. For the 2026 plan year, plans available in Rating Area 2—which covers Weber, Box Elder, and Morgan counties—include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. It is important to note that PPO plans are not offered on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO options. These plans are categorized by metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing.| Metal Tier | Key Feature | Best For |
|---|---|---|
| Bronze | Lowest monthly premiums, highest deductibles. | People who expect minimal medical care or want catastrophic coverage. |
| Silver | Moderate premiums and deductibles. Cost-sharing reductions available for eligible incomes. | Individuals and families who qualify for subsidies or expect moderate medical use. |
| Gold | Higher monthly premiums, lower deductibles and out-of-pocket costs. | Those who expect frequent medical care or prefer predictable costs. |
| Platinum | Highest monthly premiums, very low deductibles and out-of-pocket costs. | Individuals with extensive medical needs and who prioritize lowest out-of-pocket expenses. |
Health Insurance Carriers in Ogden
For the 2026 plan year, Ogden residents in Rating Area 2 have access to health insurance plans from four confirmed carriers through HealthCare.gov. These carriers offer a range of HMO and EPO plans to suit different needs and budgets. The carriers offering marketplace plans in Rating Area 2 (Box Elder, Morgan, Weber counties) are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Medicaid and CHIP Eligibility in Ogden, Utah
Utah has expanded its Medicaid program, significantly broadening access to affordable healthcare for many residents. Adults in Ogden with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This expansion, enacted in 2020 via Proposition 3, means that individuals and families within this income range can receive comprehensive, low-cost health coverage. Specific income thresholds for other groups include:- Pregnant Women: Up to 144% FPL for comprehensive prenatal, delivery, and postpartum care.
- Children (CHIP): Uninsured children in households up to 200% FPL are eligible for the Children's Health Insurance Program (CHIP).
Making the Right Health Insurance Decision in Ogden
Choosing the right health insurance plan in Ogden depends on several factors, including your income, health needs, and preferred doctors.- If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through the state's Medicaid portal.
- If your income is between 100% and 400% FPL: You are eligible for federal premium tax credits (subsidies) to lower your monthly premiums on HealthCare.gov. Consider a Silver plan, as you may also qualify for Cost-Sharing Reductions (CSRs), which reduce your deductibles, copayments, and out-of-pocket maximums.
- If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov at full price. Focus on comparing the network, benefits, and costs of Bronze, Silver, and Gold plans to find the best fit.
Frequently Asked Questions
What types of health plans are available in Ogden, Utah?
In Ogden, Utah, marketplace health insurance options are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. These plans are offered through HealthCare.gov for residents of Rating Area 2, which includes Weber, Box Elder, and Morgan counties.
Can I get Select Health insurance through HealthCare.gov in Ogden?
Yes, Select Health is one of the four confirmed carriers offering marketplace health insurance plans in Ogden, Utah, for the 2026 plan year. You can compare and enroll in their plans, alongside offerings from other carriers, directly through HealthCare.gov.
Do I qualify for Medicaid in Utah?
Utah expanded Medicaid in 2020. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL through CHIP. You can apply directly through Utah's Medicaid portal (medicaid.utah.gov).
Are PPO plans available on-exchange in Ogden, Utah?
No, PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Ogden will choose from HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans.
What is Rating Area 2 in Utah?
Rating Area 2 in Utah is a specific geographic region used for setting health insurance premiums and plan availability. It covers three counties: Box Elder, Morgan, and Weber counties, where Ogden is located. All marketplace plans available to Ogden residents are specific to this rating area.