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

Select Health Health Insurance Plans in Park City, Utah

Select Health is one of 4 carriers offering marketplace plans in Park City's Rating Area 3 for 2026.
Marketplace plans in Park City are available as HMO and EPO networks; PPO plans are not offered on-exchange in Utah.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.
Park City residents have an uninsured rate of 9.3%, higher than Summit County's 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Park City, Utah, involves understanding both local availability and statewide rules for 2026. For residents seeking coverage through HealthCare.gov, Select Health is a prominent carrier, alongside three others, offering plans designed to meet various needs. Utah's expanded Medicaid program also provides a crucial safety net for many, covering adults with incomes up to 138% of the Federal Poverty Level. This guide will help you understand your options, including plan types, subsidy eligibility, and how to enroll in a health insurance plan in Park City.

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What Health Insurance Plans Are Available in Park City, Utah?

In Park City, residents access health insurance primarily through HealthCare.gov, the federal marketplace. For the 2026 plan year, plans are available from multiple carriers in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. It's important to note that in Utah, marketplace plans are offered exclusively as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah, meaning shoppers looking for subsidy-eligible coverage will choose between HMO and EPO options. Health insurance plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, which is the average percentage of healthcare costs the plan is expected to cover for a standard population.

Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are often suitable for those who expect minimal healthcare use or want protection against catastrophic costs.
Silver plans: Cover approximately 70% of costs, with you paying 30%. They have moderate premiums and out-of-pocket costs. Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums for eligible individuals.
Gold plans: Cover approximately 80% of costs, with you paying 20%. They have higher monthly premiums but lower deductibles and out-of-pocket maximums. These plans are ideal for individuals who anticipate regular medical care and prefer lower costs when they use services.

Enhanced Subsidies and Cost-Sharing Reductions

Many Park City residents may qualify for financial assistance to make their health insurance more affordable. Advanced Premium Tax Credits (APTCs) are available to lower monthly premiums, and eligibility is based on household income and size. Additionally, individuals with incomes up to 250% of the Federal Poverty Level may qualify for Cost-Sharing Reductions (CSRs) when enrolling in a Silver plan. CSRs directly reduce the amount you pay for deductibles, copayments, and coinsurance, making healthcare much more accessible.

Health Insurance Carriers in Park City

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Park City. These carriers provide a range of HMO and EPO plans across the metal tiers. Selecting the right carrier often depends on your preferred network of doctors and hospitals, specific health needs, and budget. The confirmed carriers for Park City's Rating Area 3 in 2026 are:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

Select Health, a prominent local carrier, offers a variety of plans, often with strong ties to Utah's healthcare providers. When choosing a plan, it's crucial to verify that your preferred doctors and any necessary specialists are in-network with the plan you select. Park City, located in Summit County, serves a population of 8,362 with a median age of 48.2 years, per U.S. Census Bureau ACS 2024 5-year estimates. The city's uninsured rate stands at 9.3%, which is higher than Summit County's rate of 7.3%. Park City Hospital, located within Summit County, is the primary acute care facility serving the local community, and understanding its network affiliations with the various carriers is important for residents.

Understanding Utah Medicaid Eligibility in Park City

Utah expanded its Medicaid program in 2020 through a ballot initiative, significantly broadening access to affordable healthcare. This means that adults in Park City with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Unlike states without Medicaid expansion, Utah does not have a "coverage gap" for those between 100% and 138% FPL. Specific eligibility thresholds for Utah Medicaid and CHIP include:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL. This includes comprehensive prenatal care, labor, delivery, and postpartum services.
Children (CHIP): Up to 200% FPL for uninsured children.

If your income falls within these ranges, applying for Utah Medicaid through medicaid.utah.gov is a critical first step. Medicaid plans typically have no monthly premiums, low or no out-of-pocket costs, and cover a comprehensive range of services.

Making Your Health Insurance Decision in Park City

Choosing the right health insurance plan in Park City requires careful consideration of your income, health needs, and preferred providers.

If your income is below 138% FPL: You may qualify for Utah Medicaid. This offers comprehensive coverage with minimal or no cost.
If your income is between 100% and 400% FPL (and potentially higher for 2026, depending on federal policy): You are likely eligible for Advanced Premium Tax Credits (APTCs) to reduce your monthly premiums on HealthCare.gov.
If your income is between 100% and 250% FPL: Consider a Silver plan on HealthCare.gov. You may be eligible for significant Cost-Sharing Reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans very valuable.
If you anticipate frequent medical care: A Gold plan might be a better fit, offering lower out-of-pocket costs when you use services, despite higher monthly premiums.
If you are generally healthy and want catastrophic protection: A Bronze plan, with its lower premiums, could be suitable, but be prepared for higher costs when you need care.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other carriers, determine your subsidy eligibility, and navigate the enrollment process on HealthCare.gov, all at no cost to you.

Frequently Asked Questions

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

In Park City, Utah, marketplace plans for 2026 are offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. PPO plans are not available on-exchange in Utah, meaning your choice for subsidy-eligible coverage will be between HMO and EPO options.

Can I get a subsidy for Select Health plans in Park City?

Yes, if you qualify based on your household income and size, you can receive Advanced Premium Tax Credits (APTCs) to lower your monthly premiums for Select Health plans purchased through HealthCare.gov. Cost-sharing reductions (CSRs) may also be available for those with incomes up to 250% of the Federal Poverty Level, reducing deductibles and out-of-pocket maximums on Silver plans.

What is the income limit for Utah Medicaid in Park City?

Utah expanded Medicaid in 2020. Adults in Park City with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual in 2026, this threshold is approximately $20,782 per year. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL through Utah CHIP.