Select Health Health Insurance Plans in San Juan County, Utah

Select Health is one of 2 carriers offering marketplace plans in San Juan County's Rating Area 6 for 2026.
Marketplace plans in Utah, including those from Select Health, are offered with HMO and EPO network types; PPO plans are not available on-exchange.
San Juan County residents with incomes up to 400% FPL may qualify for Premium Tax Credits to lower their monthly premiums on HealthCare.gov.
Utah Medicaid covers adults with incomes up to 138% FPL and pregnant women up to 144% FPL.

For residents of San Juan County, Utah, finding suitable health insurance often involves navigating options available through HealthCare.gov, the federal marketplace. Select Health is a key provider in the region, offering a range of plans designed to meet diverse needs. Understanding the specifics of Select Health's offerings, along with available financial assistance and local healthcare resources, is crucial for making an informed decision. This guide details your options for Select Health coverage in San Juan County, including plan types, subsidy eligibility, and how to enroll.

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What Select Health Plans Are Available in San Juan County?

In San Juan County, Select Health offers health insurance plans through HealthCare.gov, the federal marketplace for Utah. For 2026, the marketplace choice for Utah shoppers, including those in San Juan County, is between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your marketplace options from Select Health will fall into the HMO or EPO categories. These plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—each offering different levels of cost-sharing and monthly premiums.

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

Understanding HMO and EPO Plans

With an HMO plan from Select Health, you typically choose a primary care provider (PCP) within the network who coordinates all your care, including referrals to specialists. This structure usually results in lower monthly premiums and out-of-pocket costs. EPO plans offer more flexibility than HMOs, allowing you to see any specialist within the plan's network without a referral. However, EPOs generally do not cover out-of-network care except in emergencies. Both plan types emphasize in-network care, making it important to confirm that your preferred doctors and facilities are part of Select Health's network when choosing a plan.

Can I Get Financial Assistance for Select Health Plans?

Many San Juan County residents can receive financial assistance to make Select Health plans more affordable through HealthCare.gov. Subsidies, known as Premium Tax Credits, are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL). These tax credits can significantly reduce your monthly premium. Additionally, those with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs), which lower out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable for eligible individuals.

Utah Medicaid and CHIP Eligibility

Utah expanded Medicaid in 2020 via Proposition 3, meaning that adults in San Juan County with incomes up to 138% FPL may qualify for Utah Medicaid. This program provides comprehensive health coverage with no premiums, deductibles, or copays. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, offering extensive prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL may be eligible for Utah CHIP (Children's Health Insurance Program). Applications for Utah Medicaid and CHIP can be submitted through medicaid.utah.gov.

Health Insurance Carriers in San Juan County

For 2026, residents of San Juan County have choices from a confirmed set of carriers on HealthCare.gov. San Juan County is part of Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In 2026, 2 carriers offer marketplace plans in Rating Area 6:

Select Health
University of Utah Health Plans

When selecting a plan, it is advisable to compare the networks, benefits, and costs offered by both Select Health and University of Utah Health Plans to find the coverage that best fits your individual or family needs.

Healthcare Facilities in San Juan County

San Juan County, with a population of 14,483 and an uninsured rate of 17.5% per U.S. Census Bureau ACS 2024 5-year estimates, does not have any acute care hospitals within its boundaries. Residents needing acute care, emergency services, or specialized medical treatments typically travel to neighboring counties. This makes network considerations especially important when choosing a Select Health plan, as you'll want to ensure access to facilities in nearby areas. The county is part of Utah Rating Area 6, which covers 16 counties, suggesting a regional approach to healthcare access for its rural population.

Choosing the Right Select Health Plan in San Juan County

Selecting the right Select Health plan involves considering your healthcare needs, budget, and eligibility for financial assistance. If you anticipate frequent doctor visits or need prescription medications, a Silver plan with Cost-Sharing Reductions might offer the best value due to lower out-of-pocket costs. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan with lower premiums might be suitable. Consider these factors when choosing:

Monthly Premium: How much can you afford to pay each month? Subsidies can significantly reduce this cost.
Deductible: How much you pay out-of-pocket before your insurance starts to pay for most services.
Copayments/Coinsurance: Your share of the cost for doctor visits, prescriptions, and other services after your deductible is met.
Out-of-Pocket Maximum: The most you will have to pay for covered services in a plan year.
Provider Network: Ensure your preferred doctors, specialists, and facilities are in-network.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans and other options available in San Juan County, ensuring you select coverage that aligns with your specific situation, all at no cost to you.

Frequently Asked Questions

What types of Select Health plans are available in San Juan County, Utah?

In San Juan 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 help paying for a Select Health plan in San Juan County?

Yes, individuals and families in San Juan County with incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for subsidies (Premium Tax Credits) to lower their monthly premiums. Cost-Sharing Reductions are also available for those with incomes up to 250% FPL to reduce out-of-pocket costs.

Does Utah Medicaid cover adults in San Juan County?

Yes, Utah expanded Medicaid in 2020. Adults in San Juan County with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, providing comprehensive health coverage with no premiums or deductibles.

How do I enroll in a Select Health plan in San Juan County?

You can enroll in a Select Health plan through HealthCare.gov during the annual Open Enrollment Period, or during a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed health insurance producer can assist you with this process for free.