Is Select Health available on the HealthCare.gov marketplace in Richfield, Utah?

Yes, Select Health is one of two carriers offering marketplace plans in Richfield's Rating Area 6 for the 2026 plan year. You can enroll in their plans through HealthCare.gov.

What types of plans does Select Health offer in Richfield?

In Richfield, Select Health offers HMO and EPO plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah, so your choice will be between these two network structures.

Can I get financial assistance for a Select Health plan in Richfield?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions to lower your monthly premiums and out-of-pocket costs on Select Health plans through HealthCare.gov.

What is Rating Area 6 in Utah?

Richfield is located in Utah's Rating Area 6. This multi-county area covers 16 counties, including Wayne County where Richfield is situated, as well as Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, and Uintah counties. Plan availability and pricing are uniform across this rating area.

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

Select Health Insurance Plans in Richfield, Utah

Select Health is one of 2 carriers offering marketplace plans in Richfield's Rating Area 6 for 2026.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).
Richfield, with a population of 8,224, has an uninsured rate of 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace plans in Utah are limited to HMO and EPO network types; PPO plans are not available on-exchange.

Navigating health insurance options in Richfield, Utah, particularly with a specific carrier like Select Health, requires understanding local market dynamics, plan types, and eligibility for financial assistance. For 2026, Select Health is a key provider in Richfield's Rating Area 6, offering a range of health plans through the federal marketplace, HealthCare.gov. Residents seeking coverage can explore Select Health's HMO and EPO plans, which are the primary network structures available on-exchange in Utah, as PPO plans are not offered on the marketplace in the state. Many Richfield residents may qualify for significant subsidies to reduce their monthly premiums and out-of-pocket costs, making comprehensive coverage more affordable.

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What Select Health Plans Are Available in Richfield?

For 2026, Select Health is one of two confirmed carriers offering health insurance plans on HealthCare.gov in Richfield's Rating Area 6. Shoppers in Richfield will find a variety of plan options from Select Health across different metal tiers (Bronze, Silver, Gold), each designed to meet varying needs for coverage and cost-sharing. Utah's marketplace, HealthCare.gov, offers plans primarily structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. EPO plans offer a broader network than HMOs, but generally do not cover out-of-network care except in emergencies, and typically do not require referrals. It's important to note that PPO plans are not available on-exchange in Utah, so your choice will be between HMO and EPO network structures from Select Health and other available carriers.

Understanding Financial Assistance for Select Health Plans

The Affordable Care Act (ACA) provides financial assistance to make health insurance more affordable for eligible individuals and families in Richfield. These subsidies are available when you enroll in a plan through HealthCare.gov. There are two main types of financial help:

Premium Tax Credits (APTCs): These credits reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for significant premium assistance.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. You qualify for CSRs if your income is between 100% and 250% FPL. Choosing a Silver plan with CSRs can provide substantial savings, effectively giving you a plan with better benefits than a standard Silver plan for the same premium.

Given Richfield's median income of $74,756 per U.S. Census Bureau ACS 2024 5-year estimates, many residents will find themselves in the income ranges that qualify for these subsidies, making Select Health plans more accessible.

Medicaid and CHIP Options in Utah

Utah expanded Medicaid in 2020 via a ballot initiative, significantly broadening eligibility for low-income adults. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. This is a crucial difference from states that have not expanded Medicaid, ensuring that individuals below 138% FPL do not fall into a "coverage gap." Specific eligibility thresholds for other groups include:

Pregnant Women Medicaid: Covers pregnant women with income up to 144% FPL, including prenatal care, labor and delivery, and postpartum care.
CHIP for Children: Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with income up to 200% FPL.

If you believe you may qualify for Utah Medicaid or CHIP, you should apply directly through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Richfield

Richfield is located in Utah's Rating Area 6. In 2026, 2 carriers offer marketplace plans in Rating Area 6. These carriers provide the options for individuals and families seeking subsidized health insurance through HealthCare.gov. The confirmed carriers for Richfield's Rating Area 6 in 2026 are:

Select Health: As the focus of this article, Select Health offers a variety of HMO and EPO plans across multiple metal tiers.
University of Utah Health Plans: Another prominent carrier in the region, also offering HMO and EPO plans on the marketplace.

Richfield, part of Wayne County, is situated in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. Plan availability and pricing are consistent across all 16 counties within this rating area. Wayne County has no acute care hospitals within its boundaries (has_acute_care: false), meaning Richfield residents needing acute care typically travel to neighboring counties for hospital services. Richfield itself has a population of 8,224 and an uninsured rate of 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

Choosing the Right Select Health Plan in Richfield

Selecting the best Select Health plan depends on your individual health needs, financial situation, and preferred access to care. Here's a guide to help you decide:

If you anticipate frequent medical care or have chronic conditions: Consider a Gold plan for its lower deductibles and out-of-pocket maximums, or a Silver plan with Cost-Sharing Reductions if your income qualifies.
If you are generally healthy and want lower monthly premiums: A Bronze plan might be suitable. These plans have higher deductibles but offer essential health benefits and catastrophic coverage.
If your income is between 100-250% FPL: A Silver plan is almost always the best value due to the additional Cost-Sharing Reductions, which significantly reduce your out-of-pocket costs beyond what premium tax credits provide.
Consider network type: Evaluate whether an HMO, with its emphasis on PCPs and referrals, or an EPO, with more flexibility but no out-of-network coverage, best fits your needs and preferred doctors.

A licensed health insurance producer can help you compare specific Select Health plans, calculate your potential subsidies, and ensure you enroll in a plan that meets your unique needs.

Frequently Asked Questions

Is Richfield, Utah, on the federal or state health insurance marketplace?

Richfield, Utah, uses the federal health insurance marketplace, HealthCare.gov. Residents apply for coverage and financial assistance directly through this platform.

Are PPO plans available on-exchange in Richfield?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Richfield will choose between HMO and EPO network plans offered by carriers like Select Health.

What is the uninsured rate in Richfield, Utah?

The uninsured rate in Richfield is 7.3%, according to the U.S. Census Bureau ACS 2024 5-year estimates. This is lower than the state average for Utah.

Where do Richfield residents go for acute hospital care?

Wayne County, where Richfield is located, does not have any acute care hospitals within its boundaries. Residents needing acute care typically travel to neighboring counties for hospital services.