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

Select Health Insurance Plans in Smithfield, Utah for 2026

Select Health is one of 3 carriers offering marketplace plans in Smithfield's Rating Area 1 for 2026.
Utah uses the federal HealthCare.gov marketplace, offering HMO and EPO plans; PPOs are not available on-exchange.
Smithfield residents with incomes up to 400% FPL may qualify for subsidies; Medicaid is available up to 138% FPL due to Utah's 2020 expansion.
Smithfield, with a population of 14,408, reports an uninsured rate of 5.2% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Smithfield, Utah for 2026 means understanding the local marketplace and available carriers like Select Health. As a resident of Smithfield in Cache County, you'll primarily find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans offered by Select Health and other insurers on HealthCare.gov. It's important to note that PPO plans are not available on-exchange in Utah for the upcoming plan year. Depending on your household income, you may qualify for significant financial assistance in the form of premium tax credits or cost-sharing reductions, making comprehensive coverage more affordable. Utah also has expanded Medicaid, providing options for individuals and families with lower incomes.

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What Are Your Select Health Plan Options in Smithfield?

For 2026, Select Health offers a variety of plan options on the HealthCare.gov marketplace for Smithfield residents. These plans are structured as either Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) networks. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPO plans offer more flexibility to see specialists without a referral, as long as they are within the plan's network. Neither HMO nor EPO plans cover out-of-network care, except in emergencies. When considering a Select Health plan, carefully review its specific network of doctors, hospitals, and specialists to ensure your preferred providers are included.

Understanding Health Insurance Subsidies in Smithfield

The Affordable Care Act (ACA) marketplace provides financial assistance to make health insurance more affordable for eligible Smithfield residents. These subsidies are crucial for managing the cost of coverage:

Premium Tax Credits: If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. These credits can be used to lower your monthly insurance premiums for any metal-tier plan (Bronze, Silver, Gold, Platinum). The amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. You qualify for CSRs if your income is between 100% and 250% of the FPL. Choosing a Silver plan with CSRs can significantly lower your total healthcare expenses, offering better value than a Gold plan for many eligible individuals.

It's important to accurately estimate your household income when applying through HealthCare.gov to ensure you receive the correct amount of financial assistance.

Utah Medicaid and CHIP for Smithfield Residents

Utah expanded its Medicaid program in 2020, significantly broadening eligibility for low-income residents. This means that adults in Smithfield with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. Unlike states without expansion, there is no "coverage gap" for those below 100% FPL; eligible individuals can access Medicaid directly. Specific income thresholds for other groups include:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for coverage through Utah's Children's Health Insurance Program (CHIP).

Applications for Utah Medicaid and CHIP can be submitted online through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Smithfield

For 2026, residents of Smithfield, Utah, located within Rating Area 1 (which covers Cache and Rich counties), have a choice of 3 confirmed carriers offering marketplace plans on HealthCare.gov. These carriers provide a range of HMO and EPO options to suit different healthcare needs and budgets. The confirmed carriers for this rating area are:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health

When comparing plans, evaluate not only the monthly premium but also the out-of-pocket costs (deductible, copayments, coinsurance), the plan's network of providers, and the specific benefits offered for services you anticipate needing.

Hospitals and Healthcare Access in Cache County

Smithfield residents benefit from healthcare facilities located within Cache County. Per U.S. Census Bureau ACS 2024 5-year estimates, Smithfield has a population of 14,408 and an uninsured rate of 5.2%. Cache County, with a larger population of 140,046 and an uninsured rate of 6.9%, is served by two acute care hospitals. These include Intermountain Health Logan Regional Hospital in Logan and Cache Valley Hospital in North Logan. These facilities provide essential medical services, including emergency care, surgeries, and specialized treatments, ensuring that residents have local access to comprehensive healthcare. When selecting a Select Health plan, verify that your preferred hospitals and doctors are part of the plan's network.

Making Your Health Insurance Decision in Smithfield

Choosing the right health insurance plan requires evaluating your healthcare needs, financial situation, and provider preferences. Here’s a guide to help Smithfield residents:

Assess Your Income: If your household income is below 138% FPL, apply for Utah Medicaid. If it's between 100% and 400% FPL, you'll likely qualify for premium tax credits on HealthCare.gov.
Consider Plan Types: Determine if an HMO (requiring a PCP and referrals) or an EPO (more flexibility within a network) best fits your needs. Remember, PPO plans are not available on-exchange in Utah.
Evaluate Metal Tiers: Bronze plans have low premiums but high out-of-pocket costs. Silver plans offer a balance and are the only tier eligible for Cost-Sharing Reductions. Gold plans have higher premiums but lower out-of-pocket costs.
Check Provider Networks: Confirm that your preferred doctors, specialists, and the local hospitals like Intermountain Health Logan Regional Hospital or Cache Valley Hospital are in-network for any plan you consider, especially with Select Health.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans and other options, understand subsidies, and enroll at no cost to you.

Frequently Asked Questions

What types of Select Health plans are available in Smithfield, Utah?

In Smithfield, Utah, Select Health typically 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 for 2026.

Can I get a subsidy for Select Health plans in Smithfield?

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 costs. Additional cost-sharing reductions are available for incomes up to 250% FPL when choosing a Silver plan.

How does Medicaid work in Smithfield, Utah?

Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive coverage. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL. You can apply through Utah's Medicaid portal at medicaid.utah.gov.

What hospitals are in Cache County, serving Smithfield residents?

Residents of Smithfield in Cache County have access to two acute care hospitals: Intermountain Health Logan Regional Hospital in Logan and Cache Valley Hospital in North Logan. These facilities provide a range of medical services for the local community.