Select Health Insurance Plans in Provo, Utah

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

Select Health is one of 5 confirmed carriers offering marketplace plans in Provo's Rating Area 4 for 2026.
Utah's marketplace, HealthCare.gov, offers HMO and EPO plans; PPO plans are not available on-exchange in Provo.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Provo's uninsured rate is 9.0%, slightly higher than Utah County's 7.5%, per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Provo, Utah, seeking health insurance, Select Health is a prominent option available through the federal HealthCare.gov marketplace. As one of the confirmed carriers serving Rating Area 4, which includes all of Utah County, Select Health offers various plan designs to meet different needs and budgets. Understanding your options, including plan types like HMOs and EPOs, eligibility for financial assistance, and how Utah's expanded Medicaid program might apply to you, is crucial for making an informed decision about your coverage in Provo.

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What Select Health Plans Are Available in Provo?

In Provo, Select Health offers a range of health insurance plans primarily structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). These plans are available through HealthCare.gov, the federal marketplace for Utah. It's important to note that PPO plans are not offered on-exchange in Utah, meaning your primary choices will be between HMO and EPO network types. Select Health plans typically provide comprehensive coverage for essential health benefits, including doctor visits, prescription drugs, hospital care, mental health services, and preventive care. When choosing a plan, consider factors such as monthly premiums, deductibles, copayments, and the specific network of doctors and hospitals. Select Health's network in Utah County includes major facilities like Intermountain Health Utah Valley Hospital in Provo, which is a significant consideration for local residents.

Understanding HMO and EPO Plans

HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the network. Your PCP then coordinates all your care and provides referrals to specialists. Care received outside the network is usually not covered, except in emergencies.
EPO (Exclusive Provider Organization): EPO plans offer more flexibility than HMOs by not requiring a PCP referral to see specialists. However, like HMOs, they generally only cover services from providers within their network, except for emergencies.

Both HMO and EPO plans from Select Health can be suitable for Provo residents, depending on their preference for network flexibility and referral requirements.

Financial Help for Select Health Plans in Provo

Many Provo residents may qualify for financial assistance to help make Select Health plans more affordable. These subsidies are available through HealthCare.gov and are based on your household income and family size.

Premium Tax Credits

If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for advance premium tax credits. These credits can be applied directly to your monthly premium, reducing the amount you pay out-of-pocket. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in Rating Area 4.

Cost-Sharing Reductions (CSRs)

Individuals with incomes up to 250% FPL may also qualify for cost-sharing reductions (CSRs) if they enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making healthcare more accessible when you need it. For example, a Silver plan with CSRs might have a lower deductible than a standard Silver plan, effectively offering benefits similar to a Gold plan at a Silver plan price point.

Utah Medicaid: Comprehensive Coverage for Eligible Provo Residents

Unlike some other states, Utah expanded its Medicaid program in 2020 through Proposition 3, providing a crucial safety net for many residents. This means that adults in Provo with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive health coverage through Utah Medicaid. This program eliminates the "coverage gap" found in non-expansion states, ensuring that low-income individuals have access to essential healthcare services.

Specific Medicaid and CHIP Thresholds for Utah County

Adults: Up to 138% FPL qualify for standard Utah Medicaid.
Pregnant Women: Up to 144% FPL qualify for pregnancy-specific Medicaid, providing comprehensive prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households up to 200% FPL are eligible for Utah's Children's Health Insurance Program (CHIP).

If your income is at or below these thresholds, applying for Utah Medicaid or CHIP through medicaid.utah.gov is often the most cost-effective path to coverage.

Health Insurance Carriers in Provo

Provo is located within Utah Rating Area 4, which is a single-county rating area encompassing all of Utah County. In 2026, 5 carriers offer marketplace plans in Rating Area 4, providing Provo residents with multiple choices for their health insurance needs. The confirmed carriers for Provo and Utah County in 2026 are:

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

When comparing plans from these carriers, consider their specific networks, plan types (HMO or EPO), and cost-sharing structures to find the best fit for your healthcare preferences and budget. Provo, with a population of 114,766 and an uninsured rate of 9.0% per U.S. Census Bureau ACS 2024 5-year estimates, relies on these carriers and the expanded Medicaid program to provide coverage options.

Making Your Health Insurance Decision in Provo

Choosing the right health insurance plan in Provo involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a quick guide to help you decide:

Your Household Income	Recommended Action	Key Benefit
Below 138% FPL	Apply for Utah Medicaid	Comprehensive, low-cost coverage with minimal out-of-pocket expenses.
138% - 250% FPL	Explore Silver plans with Cost-Sharing Reductions (CSRs) on HealthCare.gov	Reduced premiums and lower deductibles/copays, making care more affordable.
250% - 400% FPL	Compare Bronze, Silver, and Gold plans with Premium Tax Credits on HealthCare.gov	Significant premium subsidies available to reduce monthly costs.
Above 400% FPL	Compare all marketplace plans on HealthCare.gov or explore off-exchange options directly with carriers	Access to comprehensive plans, though without federal subsidies.

Navigating the marketplace can be complex, especially with different plan types and subsidy calculations. A licensed health insurance producer can provide free, unbiased guidance to help you compare Select Health and other carrier plans, verify your subsidy eligibility, and enroll in the best coverage for your family.

Frequently Asked Questions

What types of Select Health plans are available in Provo, Utah?

In Provo, 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, so your marketplace choices will focus on these network structures.

Can I get a subsidy for Select Health plans in Provo?

Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that reduce your monthly cost for Select Health or other marketplace plans. Cost-sharing reductions are also available for those with incomes up to 250% FPL who choose a Silver-tier plan.

Does Utah Medicaid cover adults in Provo?

Yes, Utah expanded Medicaid in 2020. Adults in Provo with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid, which provides comprehensive, low-cost health coverage. Pregnant women have an even higher income threshold of 144% FPL for coverage.

Which hospitals in Provo accept Select Health plans?

Select Health plans typically contract with major hospital systems in Utah County. For Provo residents, Intermountain Health Utah Valley Hospital is a key facility likely to be in-network. Always verify your specific plan's network to confirm coverage for your preferred providers.