Understanding Select Health Insurance Prices in Price, Utah
- Select Health offers HMO and EPO plans on HealthCare.gov in Price, Utah, with PPO plans not available on-exchange.
- Many Price residents qualify for significant subsidies, potentially reducing monthly premiums by 50% or more, based on household income.
- In 2026, 4 carriers, including Select Health, provide marketplace plans in Rating Area 6, which covers Price and 15 other counties.
- Utah expanded Medicaid in 2020, providing coverage for adults up to 138% of the Federal Poverty Level, unlike some non-expansion states.
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What Drives Select Health Plan Prices in Price, Utah?
The cost of a Select Health plan in Price, Utah, is influenced by several standardized factors. Your age is a primary driver, with premiums typically increasing as you get older. The number of people covered on your plan (individual, couple, family) also affects the total premium. Crucially, the plan tier you select — Bronze, Silver, or Gold — dictates the balance between your monthly premium and your out-of-pocket costs (deductibles, copays, and coinsurance). Bronze plans have the lowest premiums but highest out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket expenses. For most individuals and families in Price, financial assistance through federal subsidies can play a major role in determining the final price. These subsidies, known as Premium Tax Credits, are available to those with household incomes up to 400% of the Federal Poverty Level (FPL) and are applied directly to reduce your monthly premium. Many residents of Price, with a median income of $53,203 per U.S. Census Bureau ACS 2024 5-year estimates, will likely qualify for substantial assistance.Understanding Plan Tiers and Expected Costs
Select Health, like all marketplace carriers, offers plans categorized into metal tiers: Bronze, Silver, and Gold. Each tier represents a different cost-sharing structure:
| Plan Tier | Average Monthly Premium (before subsidies) | Deductible Range | Key Benefit |
|---|---|---|---|
| Bronze | $350 - $450 | $7,000 - $9,000+ | Lowest monthly premium; ideal for those who expect minimal medical care or want catastrophic coverage. High out-of-pocket costs apply before benefits kick in. |
| Silver | $450 - $600 | $3,000 - $6,000 | Moderate premiums with balanced cost-sharing. Essential for those who qualify for Cost-Sharing Reductions (CSRs), which significantly lower deductibles and copays. |
| Gold | $550 - $750+ | $0 - $2,500 | Highest monthly premium; lowest out-of-pocket costs. Best for those who anticipate frequent medical care and want predictable expenses. |
Note: Prices are estimates for a 40-year-old individual in Price, Utah, before any subsidies. Your specific costs will vary.
Select Health Coverage and Network in Price, Utah
Select Health is a major health insurance provider in Utah, known for its strong presence and network. In Price, as part of Carbon County, Select Health plans will provide access to local healthcare facilities and providers. Carbon County is served by Castleview Hospital in Price, which is an acute care hospital. When considering a Select Health plan, it is crucial to verify that your preferred doctors, specialists, and facilities, including Castleview Hospital, are within the plan's network to ensure seamless access to care. Utah's marketplace plans, including those from Select Health, are primarily HMO and EPO structures. This means you will typically need to choose a primary care provider (PCP) within the network and obtain referrals for specialist visits (HMOs), or stay within the network for all care (EPOs) to receive coverage, except in emergencies. PPO plans, which offer more flexibility to see out-of-network providers, are not available on-exchange in Utah.Who Qualifies for Financial Help in Price?
Many Price residents qualify for financial assistance to make Select Health and other marketplace plans more affordable. Eligibility for subsidies is based on your household income relative to the Federal Poverty Level (FPL).Premium Tax Credits (PTC)
These subsidies lower your monthly premium. Individuals and families with incomes between 100% and 400% FPL are generally eligible. For a single individual, 400% FPL is approximately $60,240 in 2024 (this figure adjusts annually). Given that the median household income in Price is $53,203, many households will find themselves well within the eligible range for significant premium assistance.
Cost-Sharing Reductions (CSR)
CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. These are only available if you enroll in a Silver-tier plan and have an income between 100% and 250% FPL. CSRs make Silver plans an exceptional value for those who qualify, offering benefits similar to Gold plans at a lower premium.
Utah Medicaid and CHIP
Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% FPL may qualify for comprehensive, low-cost health coverage through Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for lower-income adults without a "coverage gap." Pregnant women in Utah may qualify for Medicaid up to 144% FPL, and uninsured children in households up to 200% FPL can qualify for Utah CHIP.
Health Insurance Carriers in Price
In 2026, 4 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. Price, located in Carbon County, benefits from this selection. The confirmed carriers for Rating Area 6 in 2026 are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Select Health is one of these key providers, offering a range of HMO and EPO plans to residents. When comparing plans, consider not only the premiums but also the network of providers, the specific plan benefits, and the out-of-pocket costs associated with each carrier's offerings.
Carbon County, with a population of 20,517 and an uninsured rate of 6.2% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 6. This rating area encompasses 16 diverse counties, highlighting a broad geographic area where these carriers compete. Price, the largest city in Carbon County with a population of 8,248, is served by Castleview Hospital, an acute care facility, which is a key consideration for local residents selecting a health plan.
Making Your Health Plan Decision in Price
Choosing the right Select Health plan, or any other plan, requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here’s a decision-making guide:- Assess Your Healthcare Needs: If you anticipate frequent doctor visits or need specific prescriptions, a Gold plan might offer better value despite higher premiums. If you are generally healthy and prefer a lower monthly cost, a Bronze plan could be suitable.
- Check Subsidy Eligibility: Use HealthCare.gov to determine if you qualify for Premium Tax Credits or Cost-Sharing Reductions. These can drastically change the affordability of plans.
- Verify Networks: Always confirm that your preferred doctors, specialists, and the local Castleview Hospital are included in the network of any Select Health plan you consider.
- Compare Plan Types: Remember that in Price, marketplace plans are HMOs or EPOs. Understand the differences in referral requirements and out-of-network coverage before enrolling.
- Consider Utah Medicaid: If your income is below 138% FPL, explore Utah Medicaid options, which provide comprehensive coverage at little to no cost.
A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with offerings from other carriers, estimate your subsidies, and ensure you enroll in a plan that best fits your specific situation in Price. This professional assistance is typically free of charge.