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

Select Health Insurance Plans in Salt Lake City, Utah

Navigating health insurance options in Salt Lake City, Utah, involves understanding marketplace plans, subsidy eligibility, and local provider networks. Select Health is one of the key carriers offering coverage in the area through HealthCare.gov. For 2026, residents of Salt Lake City can choose from various Select Health plans, primarily structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your marketplace choices will focus on these two network types. This article provides a comprehensive overview of Select Health offerings, eligibility for financial assistance, and how to enroll in coverage that fits your needs in Salt Lake City.

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What Select Health Plans Are Available in Salt Lake City?

In Salt Lake City, Select Health provides a range of health insurance plans through the federal marketplace, HealthCare.gov. These plans are categorized by metal tiers—Bronze, Silver, Gold, and Platinum—each offering a different balance of monthly premium costs versus out-of-pocket expenses when you use medical services. For 2026, Select Health primarily offers HMO and EPO plans.

Health Maintenance Organization (HMO) Plans: These plans typically have lower monthly premiums and require you to choose a primary care provider (PCP) within the network. Your PCP will then refer you to specialists if needed. HMOs emphasize coordinated care within their established network.

Exclusive Provider Organization (EPO) Plans: EPO plans offer more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, like HMOs, EPOs generally do not cover out-of-network care except in emergencies. It is crucial to verify that your preferred doctors and hospitals are part of the Select Health EPO network.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah for marketplace shoppers. Therefore, when evaluating Select Health and other carriers, your primary options will be HMO and EPO plans.

Financial Assistance and Utah Medicaid Eligibility in Salt Lake City

Many Salt Lake City residents may qualify for financial assistance to make their Select Health plan more affordable. The Affordable Care Act (ACA) provides subsidies in the form of premium tax credits and cost-sharing reductions, which are available based on 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 premium tax credits. These credits can be used to lower your monthly premium for any marketplace plan, including those offered by Select Health. The exact amount of your subsidy will depend on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs): Available only with Silver-tier plans, CSRs reduce the amount you pay for deductibles, copayments, and coinsurance. If your income is between 100% and 250% FPL, you may qualify for these additional savings, effectively making a Silver plan comparable to a Gold plan in terms of out-of-pocket costs but with a lower premium.

Utah Medicaid: Utah expanded Medicaid in 2020 via Proposition 3, making it available to adults with income up to 138% FPL. If your income is within this range, you may qualify for comprehensive, low-cost coverage through Utah Medicaid. Pregnant women in Utah qualify for Medicaid with income up to 144% FPL, and children can be covered by Utah CHIP up to 200% FPL. You can apply through Utah's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Salt Lake City

Salt Lake City is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in Rating Area 3. These carriers, including Select Health, provide a variety of HMO and EPO options to residents.

The confirmed carriers offering marketplace plans in Rating Area 3 for the 2026 plan year are:

Salt Lake County, with a population of 1,196,523 and an uninsured rate of 9.2% per U.S. Census Bureau ACS 2024 5-year estimates, is served by a robust network of healthcare providers. Major hospital systems in the county include Holy Cross Hospital - Salt Lake, LDS Hospital, University of Utah Hospital, and St Mark's Hospital, all located within Salt Lake City. When choosing a Select Health plan, it is essential to confirm that your preferred healthcare providers and facilities are included in the plan's network.

Choosing the Right Select Health Plan in Salt Lake City

Selecting the best Select Health plan for your needs in Salt Lake City involves considering your budget, health needs, and preferred doctors. Here’s a guide to help you decide:

If you prioritize low monthly premiums: Consider a Bronze-tier Select Health plan. These plans have higher deductibles and out-of-pocket maximums but offer the lowest monthly costs. They are suitable for individuals who expect minimal medical care and want coverage for catastrophic events.

If you need moderate coverage and potential cost savings: A Silver-tier Select Health plan is often a good choice. If your income qualifies you for cost-sharing reductions (100-250% FPL), a Silver plan can offer significant savings on deductibles and copayments, providing excellent value.

If you expect frequent medical care: Gold-tier Select Health plans typically have higher monthly premiums but lower deductibles and out-of-pocket costs when you receive care. These plans are ideal for individuals or families with ongoing health conditions, regular prescriptions, or anticipated medical expenses.

If your income is below 138% FPL: You may qualify for Utah Medicaid. This comprehensive program provides coverage at little to no cost, including prescription drugs, doctor visits, hospital stays, and more. It is usually the most cost-effective option for those who qualify.

Regardless of the metal tier, always check the plan’s provider network to ensure your doctors and local hospitals, such as Holy Cross Hospital - Salt Lake or University of Utah Hospital, are in-network. A licensed health insurance agent can provide free, personalized guidance to help you compare Select Health plans and enroll.

Frequently Asked Questions

What types of Select Health plans are available in Salt Lake City?
In Salt Lake City, Select Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah, so your marketplace choice will be between HMO and EPO network structures.
Can I get a subsidy for a Select Health plan in Salt Lake City?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits that reduce your monthly health insurance costs. Individuals and families with incomes below 138% FPL may qualify for Utah Medicaid, which provides comprehensive, low-cost coverage.
How do I enroll in a Select Health plan in Salt Lake City?
Enrollment for Select Health plans, and all other marketplace plans in Salt Lake City, takes place through HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period triggered by a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed agent can provide free assistance.
Where can I find a Select Health provider in Salt Lake City?
Select Health plans in Salt Lake City utilize networks of hospitals and doctors. Major hospitals in Salt Lake County include Holy Cross Hospital - Salt Lake, LDS Hospital, University of Utah Hospital, and St Mark's Hospital. It is essential to verify that your preferred doctors and hospitals are in-network for any specific Select Health plan before enrolling.

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