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

Select Health Insurance Plans in Salt Lake County, Utah

In 2026, Select Health is one of 5 carriers offering marketplace plans in Utah Rating Area 3, which includes Salt Lake County.
Select Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov in Salt Lake County.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% of the Federal Poverty Level (FPL) eligible for coverage.
Salt Lake County has a population of 1,196,523 and an uninsured rate of 9.2% as per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Salt Lake County, Utah, involves understanding local carriers, plan types, and financial assistance. For 2026, residents seeking coverage through HealthCare.gov will find Select Health among the marketplace options. Select Health provides various plans, primarily focusing on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures, catering to diverse healthcare needs within Rating Area 3. This article will detail Select Health's offerings, explain how subsidies can make coverage more affordable, and guide you through the enrollment process in Salt Lake County.

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What Health Insurance Plans Does Select Health Offer in Salt Lake County?

Select Health is a prominent carrier offering health insurance plans to residents of Salt Lake County through HealthCare.gov, the federal marketplace. In 2026, Select Health is one of 5 carriers providing options in Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. When exploring Select Health plans, you will primarily encounter two types of network structures:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to 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 from a PCP. However, unlike PPOs, EPOs generally do not cover out-of-network care except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. Therefore, marketplace shoppers in Salt Lake County will choose between HMO and EPO options from Select Health and other carriers.

How to Choose the Right Select Health Plan for You

Choosing the right Select Health plan involves assessing your healthcare needs, preferred providers, and financial situation. Since PPO plans are not available on HealthCare.gov in Utah, your primary decision will be between HMO and EPO structures, considering the level of flexibility and cost. Consider the following factors when selecting a plan:

Your Healthcare Needs: If you anticipate frequent doctor visits or have ongoing medical conditions, a plan with lower deductibles and out-of-pocket maximums (like Gold or Silver tiers) might be more suitable, even if it has a higher premium. If you are generally healthy and only expect preventive care, a Bronze or Catastrophic plan might be a more budget-friendly choice.
Provider Network: Ensure that your preferred doctors, specialists, and hospitals are in-network with the specific Select Health plan you are considering. HMOs and EPOs have defined networks, and out-of-network care is typically not covered (except emergencies for EPOs).
Financial Assistance: Most residents of Salt Lake County will qualify for some form of financial assistance. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Premium Tax Credits (subsidies) to reduce your monthly premiums. Those with incomes up to 250% FPL who choose a Silver plan may also qualify for Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums.

Salt Lake County's population of 1,196,523, with a median income of $97,494 and an uninsured rate of 9.2% (per U.S. Census Bureau ACS 2024 5-year estimates), indicates a diverse range of needs and financial situations among its residents. Understanding these factors will help you make an informed decision.

Understanding Plan Tiers and Costs

Marketplace plans, including those from Select Health, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate how you and your plan share the cost of care.

Metal Tier	Plan Pays (Avg.)	You Pay (Avg.)	Best For
Bronze	60%	40%	Healthy individuals who want low premiums and minimal coverage for major events. High deductibles.
Silver	70%	30%	Individuals and families who qualify for Cost-Sharing Reductions (CSRs) or want a balance of premiums and out-of-pocket costs.
Gold	80%	20%	Those who expect to use medical services frequently and prefer higher premiums for lower costs when receiving care.

It is important to remember that these percentages are averages over the entire covered population, not guarantees for every service. Your actual costs will vary based on the specific plan's deductible, copayments, and coinsurance.

Health Insurance Carriers in Salt Lake County

In 2026, residents of Salt Lake County have access to marketplace health insurance plans from 5 confirmed carriers in Rating Area 3. These carriers offer various plan types, predominantly Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, through HealthCare.gov. The confirmed carriers for Salt Lake County's Rating Area 3 include:

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

When reviewing plans, always confirm that the specific plan you are considering covers your preferred doctors and hospitals. Salt Lake County is home to numerous medical facilities, including Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, Intermountain Medical Center, and St Mark's Hospital, providing comprehensive care options for residents.

Understanding Medicaid in Utah

Utah expanded Medicaid in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive Utah Medicaid coverage. This is a crucial difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for many low-income adults. Specific Medicaid and Children's Health Insurance Program (CHIP) thresholds in Utah include:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL. This covers prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Up to 200% FPL

If your income falls within these ranges, exploring Utah Medicaid is a critical first step, as it offers comprehensive coverage with no monthly premiums or significant out-of-pocket costs. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).

Making Your Health Insurance Decision in Salt Lake County

Choosing the right health insurance plan in Salt Lake County requires a clear understanding of your options and eligibility for financial assistance. Consider the following steps:

Check Medicaid Eligibility: If your household income is below 138% FPL (or 144% FPL for pregnant women, 200% for children), apply for Utah Medicaid first.
Estimate Subsidies: If you are not Medicaid-eligible, use HealthCare.gov or consult a licensed agent to estimate your Premium Tax Credits and Cost-Sharing Reductions based on your income.
Compare Plans: Review plans from Select Health and other carriers available in Rating Area 3. Pay close attention to plan types (HMO vs. EPO), provider networks, deductibles, copayments, and out-of-pocket maximums.
Enroll: Once you've selected a plan, enroll through HealthCare.gov during Open Enrollment or if you qualify for a Special Enrollment Period.

A licensed health insurance producer can provide free, personalized guidance through this process, helping you compare plans, understand subsidy eligibility, and complete your enrollment.

Frequently Asked Questions

What types of plans does Select Health offer in Salt Lake County?

In Salt Lake County, Select Health offers plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for a Select Health plan in Salt Lake County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to lower your monthly premiums for any marketplace plan, including those from Select Health. Cost-Sharing Reductions are also available for those with incomes up to 250% FPL who choose a Silver plan.

What hospitals are in-network with Select Health plans in Salt Lake County?

Select Health plans typically contract with a wide range of providers in Salt Lake County. Major hospitals in the area include Holy Cross Hospital - Salt Lake, Lds Hospital, University of Utah Hospital and Clinics, and Intermountain Medical Center. It's always essential to verify specific provider and hospital networks directly with Select Health when choosing a plan.

Is Medicaid an option in Salt Lake County, Utah?

Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.