Select Health Insurance Plans in Roosevelt, Utah
- Select Health offers HMO and EPO plans in Roosevelt, Utah, through HealthCare.gov for the 2026 plan year.
- Roosevelt residents in Rating Area 6 have access to a total of 4 marketplace carriers for 2026.
- Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% of the Federal Poverty Level (FPL) to qualify.
- The median household income in Roosevelt is $76,456, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Are Your Select Health Options in Roosevelt?
Select Health offers various health insurance plans in Roosevelt, Utah, primarily through the federal marketplace, HealthCare.gov. These plans are designed to meet diverse needs, from catastrophic coverage for young adults to comprehensive Silver and Gold plans. As PPO plans are not available on-exchange in Utah, consumers will choose between HMO and EPO network structures. Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers. Exclusive Provider Organization (EPO) Plans: EPO plans offer a network of doctors and hospitals you can use without a referral. You generally don't need to choose a PCP. However, EPOs typically will not cover care outside of the network, except in emergencies. When considering a Select Health plan, it is crucial to review the specific plan's network to ensure your preferred doctors and local facilities, such as Uintah Basin Medical Center in Roosevelt, are included.Understanding Financial Assistance and Eligibility in Roosevelt
Many Roosevelt residents qualify for financial assistance to help reduce the cost of health insurance premiums and out-of-pocket expenses. Eligibility is determined by household income relative to the Federal Poverty Level (FPL).Premium Tax Credits
Premium tax credits, also known as subsidies, can lower your monthly health insurance premium. These credits are available to individuals and families with incomes between 100% and 400% of the FPL. For those earning above 400% FPL, enhanced subsidies remain available through 2025, ensuring no one pays more than 8.5% of their income for a benchmark Silver plan. You can apply these credits to any metal-tier plan (Bronze, Silver, Gold, Platinum).Cost-Sharing Reductions (CSRs)
Cost-sharing reductions help lower your out-of-pocket costs, such as deductibles, co-payments, and co-insurance. CSRs are only available with Silver plans for individuals and families with incomes up to 250% of the FPL. Enrolling in an Enhanced Silver plan with CSRs can significantly reduce your financial burden when you need care, making it a compelling option for many.Utah Medicaid and CHIP
Utah expanded its Medicaid program in 2020, making coverage available to adults with household incomes up to 138% of the Federal Poverty Level. This is a crucial difference from non-expansion states, as it eliminates the "coverage gap" for many low-income individuals. Utah Medicaid: Adults earning up to 138% FPL may qualify for comprehensive, low-cost or no-cost health coverage. Pregnant Women Medicaid: Pregnant women in Utah are eligible for Medicaid coverage with incomes up to 144% FPL, covering prenatal, delivery, and postpartum care. CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL. You can apply for Utah Medicaid or CHIP through the state's Medicaid portal (medicaid.utah.gov) or through HealthCare.gov, which will direct you to the appropriate state agency if you qualify.Health Insurance Carriers in Roosevelt
Residents of Roosevelt, Utah, are part of Rating Area 6. In 2026, 4 carriers offer marketplace plans in Rating Area 6, providing a choice of options beyond Select Health. These carriers include:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Local Healthcare Landscape in Roosevelt and Duchesne County
Roosevelt, Utah, with a population of 7,078, is located within Duchesne County, which has a total population of 20,185 residents. The city's median household income is $76,456, and its uninsured rate stands at 13.4%, per U.S. Census Bureau ACS 2024 5-year estimates. Duchesne County's median income is $78,445, with an uninsured rate of 12.0%, slightly lower than the city. Duchesne County is served by Uintah Basin Medical Center, an acute care hospital located directly in Roosevelt. This facility is a vital part of the local healthcare infrastructure, providing essential services to residents across the county. When selecting a health plan from Select Health or any other carrier, it is important to confirm that Uintah Basin Medical Center and any other preferred local providers are within the plan's network. Roosevelt, as part of Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties, benefits from carrier competition across this multi-county region.How to Choose the Right Select Health Plan
Choosing the right Select Health plan involves assessing your personal health needs, financial situation, and preferred access to care. Here's a step-by-step guide:- Estimate Your Healthcare Usage: If you anticipate frequent doctor visits, prescription medications, or have a chronic condition, a Silver or Gold plan with lower deductibles and out-of-pocket maximums might be more cost-effective. If you are generally healthy and only expect preventive care, a Bronze or Catastrophic plan with lower premiums could be suitable, especially if you qualify for premium tax credits.
- Understand Metal Tiers:
- Bronze: Lowest premiums, highest deductibles. Covers 60% of costs, you pay 40%. Best for those who rarely use medical services.
- Silver: Moderate premiums and deductibles. Covers 70% of costs, you pay 30%. Essential for those who qualify for Cost-Sharing Reductions.
- Gold: Higher premiums, lower deductibles. Covers 80% of costs, you pay 20%. Good if you expect regular medical care.
- Check Network Coverage: Confirm that your preferred doctors, specialists, and local hospitals like Uintah Basin Medical Center are in the Select Health plan's network. This is particularly important for HMO and EPO plans.
- Consider Your Budget: Balance monthly premiums with potential out-of-pocket costs. Remember that financial assistance can significantly impact your net costs.
Frequently Asked Questions
What types of Select Health plans are available in Roosevelt, Utah?
In Roosevelt, Select Health offers health insurance plans primarily structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs) through HealthCare.gov. PPO plans are not available on-exchange in Utah for the 2026 plan year.
How can I enroll in a Select Health plan in Roosevelt?
You can enroll in a Select Health plan for Roosevelt during the annual Open Enrollment Period through HealthCare.gov. If you experience a qualifying life event, such as marriage, birth of a child, or loss of other coverage, you may be eligible for a Special Enrollment Period. A licensed agent can assist you with this process.
Can I get financial assistance for Select Health plans in Roosevelt?
Yes, individuals and families in Roosevelt may qualify for premium tax credits and cost-sharing reductions based on household income and family size when enrolling in a Select Health plan through HealthCare.gov. These subsidies can significantly lower your monthly premiums and out-of-pocket costs.
Does Select Health cover Uintah Basin Medical Center in Roosevelt?
Network coverage varies by specific plan. It is essential to verify directly with Select Health that Uintah Basin Medical Center, the acute care hospital in Roosevelt, is included in the network of any plan you are considering before enrolling. This ensures local access to care.