Select Health Insurance Plans in Sevier County, Utah

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

In 2026, Select Health is one of 2 carriers offering marketplace health insurance plans in Sevier County's Rating Area 6.
Utah uses the federal marketplace, HealthCare.gov, where eligible Sevier County residents can apply for subsidies to lower premiums.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Sevier County has a population of 22,085 and an uninsured rate of 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Sevier County, Utah, involves understanding marketplace plans offered by carriers like Select Health, eligibility for financial assistance, and local healthcare resources. Residents of Sevier County access health insurance through HealthCare.gov, the federal marketplace, where plans from Select Health and other carriers are available. These plans adhere to the Affordable Care Act (ACA) guidelines, providing comprehensive coverage for essential health benefits. Depending on your household income and family size, you may qualify for significant subsidies, including premium tax credits and cost-sharing reductions, making coverage more affordable.

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What Health Insurance Plans Are Available in Sevier County?

In Sevier County, Utah, residents primarily choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans when shopping on HealthCare.gov. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah for 2026. This means your marketplace choice will focus on the network structure and cost-sharing benefits of HMO and EPO plans. Select Health offers various plans within these structures, categorized by metal tiers: Bronze, Silver, Gold, and Platinum. Each tier indicates the percentage of healthcare costs the plan is expected to cover versus what you pay out-of-pocket:

Bronze Plans: Cover approximately 60% of healthcare costs. They have lower monthly premiums but higher deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal healthcare use or want protection against catastrophic costs.
Silver Plans: Cover approximately 70% of healthcare costs. These plans are a popular choice, especially for individuals and families who qualify for cost-sharing reductions (CSRs). CSRs can significantly lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a much better value for eligible enrollees.
Gold Plans: Cover approximately 80% of healthcare costs. Gold plans typically have higher monthly premiums but lower deductibles and out-of-pocket costs when you receive care, ideal for those who expect to use medical services frequently.

All plans cover essential health benefits, including prescription drugs, emergency services, maternity care, mental health services, and preventative care without cost-sharing.

Who Qualifies for Financial Assistance in Sevier County?

Many Sevier County residents can significantly reduce their health insurance costs through financial assistance programs available via HealthCare.gov. Eligibility is based on your household income relative to the Federal Poverty Level (FPL).

Income Level (as % FPL)	Assistance Type	Benefit
Below 138% FPL	Utah Medicaid	Comprehensive health coverage with no premiums and minimal out-of-pocket costs.
100% - 400% FPL	Premium Tax Credits	Reduces your monthly health insurance premium. The amount varies based on income and plan choice.
150% - 250% FPL	Cost-Sharing Reductions (CSRs)	Available only with Silver plans. Lowers deductibles, copayments, and out-of-pocket maximums.

For example, a single adult in Sevier County earning $20,000 (approximately 145% FPL in 2026) would likely qualify for substantial premium tax credits and cost-sharing reductions on a Silver plan, making comprehensive coverage highly affordable. It is crucial to accurately report your income when applying on HealthCare.gov to ensure you receive all the assistance you are eligible for.

Health Insurance Carriers in Sevier County

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers provide a range of HMO and EPO plans designed to meet the diverse needs of residents across this multi-county region. The confirmed carriers for Sevier County's Rating Area 6 are:

Select Health
University of Utah Health Plans

These carriers offer plans across the Bronze, Silver, and Gold metal tiers, allowing residents to choose a plan that balances monthly premiums with out-of-pocket costs and network access. When selecting a plan, consider which carrier offers the best fit for your specific healthcare needs, including access to local providers like Intermountain Health Sevier Valley Hospital. Sevier County, with a population of 22,085 and an uninsured rate of 9.3%, relies on these carriers to provide essential health coverage. The county's median income is $74,884, per U.S. Census Bureau ACS 2024 5-year estimates. Intermountain Health Sevier Valley Hospital in Richfield is the primary acute care hospital serving the county's residents.

Understanding Utah Medicaid in Sevier County

Utah expanded its Medicaid program in 2020, making health coverage accessible to more low-income adults in Sevier County. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This program provides comprehensive health benefits with no monthly premiums and very low out-of-pocket costs, covering doctor visits, hospital stays, prescription drugs, mental health services, and more. Specific Medicaid programs also support vulnerable populations:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL.

If you believe you or a family member may qualify for Utah Medicaid, you can apply directly through Utah's Medicaid portal at medicaid.utah.gov. It's important to explore this option if your income is within the eligibility guidelines, as it offers robust coverage at minimal or no cost.

Making Your Health Insurance Decision in Sevier County

Choosing the right health insurance plan for your needs in Sevier County involves several considerations, from understanding your budget to anticipating your healthcare usage. Here's a guide to help you decide:

Assess Your Income: Determine if you qualify for Utah Medicaid (under 138% FPL) or for premium tax credits and cost-sharing reductions (100-400% FPL). These financial aids can significantly impact your out-of-pocket costs.
Consider Your Healthcare Needs: If you expect frequent doctor visits or have chronic conditions, a Gold plan might offer lower out-of-pocket costs despite higher premiums. If you are generally healthy and prefer a lower monthly bill, a Bronze plan could be suitable, especially if you qualify for a catastrophic plan.
Utilize Silver Plans with CSRs: If your income is between 150% and 250% FPL, a Silver plan enhanced with cost-sharing reductions (CSRs) often provides the best value. These plans offer the benefits of a Gold or Platinum plan at a Silver-tier premium.
Check Provider Networks: Ensure that your preferred doctors, specialists, and hospitals, such as Intermountain Health Sevier Valley Hospital, are in-network with the Select Health plan you are considering. HMO and EPO plans have specific network rules.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized guidance, helping you compare plans, understand subsidies, and enroll in the best Select Health option for your family in Sevier County.

Frequently Asked Questions

What types of health insurance plans does Select Health offer in Sevier County?

In Sevier County, Select Health typically offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah. These plans cover essential health benefits as defined by the Affordable Care Act.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly payments for a Select Health plan. Those with incomes up to 250% FPL may also be eligible for cost-sharing reductions on Silver plans, which reduce deductibles, copayments, and out-of-pocket maximums.

What is the uninsured rate in Sevier County, Utah?

Sevier County has an uninsured rate of 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly below the statewide average for Utah, indicating that most residents have some form of health coverage, whether through an employer, Medicaid, or the HealthCare.gov marketplace.

Is Medicaid available in Sevier County?

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