Select Health Insurance Plans in South Salt Lake, Utah

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

Select Health is one of 5 confirmed carriers offering marketplace plans in Utah's Rating Area 3, which includes South Salt Lake, for the 2026 plan year.
Utah residents can enroll in Select Health plans through HealthCare.gov, the federal marketplace, with potential subsidies to reduce monthly premiums.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL), and pregnant women up to 144% FPL.
Marketplace plans in South Salt Lake, including those from Select Health, are typically Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in Utah.

Navigating health insurance options in South Salt Lake, Utah, can feel complex, but residents have access to plans from carriers like Select Health through HealthCare.gov. Select Health is a prominent insurer in the state, offering various plans designed to meet different needs and budgets. For the 2026 plan year, Select Health is among the five carriers providing coverage in Rating Area 3, which encompasses South Salt Lake and surrounding counties. Understanding your options, eligibility for financial assistance, and local healthcare providers is key to making an informed decision about your health coverage. This guide will walk you through the specifics of securing a Select Health plan in South Salt Lake, from plan types to enrollment steps.

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What Health Insurance Options Does Select Health Offer in South Salt Lake?

In South Salt Lake, Select Health participates in Utah's federally facilitated marketplace, HealthCare.gov. This means you can compare their plans alongside other carriers and potentially qualify for financial assistance. Utah's marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, so your choice will focus on the network structures offered by HMO and EPO plans. Select Health plans cover essential health benefits as mandated by the Affordable Care Act (ACA), including:

Ambulatory patient services (outpatient care)
Emergency services
Hospitalization
Maternity and newborn care
Mental health and substance use disorder services
Prescription drugs
Rehabilitative and habilitative services and devices
Laboratory services
Preventive and wellness services, and chronic disease management
Pediatric services, including oral and vision care

These plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum) based on how you and your plan share costs. Bronze plans have lower monthly premiums but higher out-of-pocket costs when you use care, while Gold and Platinum plans have higher premiums but lower costs at the point of service.

How Financial Assistance Makes Select Health Plans More Affordable

Many South Salt Lake residents are eligible for financial assistance, known as subsidies, which can significantly reduce the cost of Select Health plans purchased through HealthCare.gov. These subsidies come in two main forms:

Premium Tax Credits (PTC): These reduce your monthly premium payment. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families earning between 100% and 400% FPL may qualify for these credits. The American Rescue Plan Act has enhanced these subsidies, making them more generous and extending eligibility to more middle-income households.
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are for individuals and families earning between 100% and 250% FPL. If you qualify for CSRs, a Silver plan offers much better value than its standard counterpart, providing a level of coverage similar to a Gold or Platinum plan at a Silver-tier premium.

For example, a single person in South Salt Lake with an annual income of $35,000 (around 250% FPL) would likely qualify for both premium tax credits and cost-sharing reductions, making a Select Health Silver plan highly affordable.

Medicaid Eligibility in Utah for South Salt Lake Residents

Utah expanded Medicaid in 2020 through a ballot initiative (Proposition 3). This means that adults in South Salt Lake with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, no-cost or low-cost health coverage through Utah Medicaid. Unlike some states, Utah does not have a "coverage gap" for this income range. Specific Medicaid income thresholds for Utah:

Adults: Up to 138% FPL
Pregnant Women: Up to 144% FPL (the lowest pregnancy-specific threshold among the 7 production states, extending above the standard adult line)
Children (CHIP): Up to 200% FPL

If your income falls within these thresholds, you should apply for Utah Medicaid directly through the state's portal at medicaid.utah.gov. Medicaid provides extensive coverage, including prenatal care, labor and delivery, and postpartum care for eligible pregnant women. If your income is above the Medicaid threshold but you still need financial assistance, you would then explore subsidized plans on HealthCare.gov from carriers like Select Health.

Health Insurance Carriers in South Salt Lake

South Salt Lake 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, providing a competitive selection for residents. Select Health is one of these key providers. The confirmed carriers for Rating Area 3 in 2026 are:

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

When choosing a Select Health plan, it's important to consider their specific network of doctors, specialists, and hospitals. For example, major facilities in Salt Lake County such as Holy Cross Hospital - Salt Lake and University of Utah Hospital and Clinics are typically part of broad carrier networks, but specific plan networks can vary. Always verify that your preferred providers are in-network with the Select Health plan you are considering. South Salt Lake, with a population of 26,352 and an uninsured rate of 14.2% (per U.S. Census Bureau ACS 2024 5-year estimates), relies heavily on the diverse healthcare infrastructure of Salt Lake County. The county itself serves a population of 1,196,523 and has 10 acute care hospitals, including Lds Hospital, Intermountain Medical Center, and St Mark's Hospital. For residents seeking care close to home, Holy Cross Hospital - Salt Lake is a prominent facility within the city's broader county network.

How to Enroll in a Select Health Plan in South Salt Lake

Enrolling in a Select Health plan in South Salt Lake is typically done through HealthCare.gov during the annual Open Enrollment Period (OEP), which usually runs from November 1 to January 15 each year. If you experience a qualifying life event (QLE) outside of OEP, you may be eligible for a Special Enrollment Period (SEP). Common QLEs include:

Losing existing health coverage (e.g., due to job loss, COBRA ending)
Getting married or divorced
Having a baby or adopting a child
Moving to a new area where your old plan is not available
Changes in income that affect subsidy eligibility

To enroll:

Visit HealthCare.gov: Create an account or log in.
Provide Income and Household Information: This determines your eligibility for subsidies and Medicaid.
Compare Plans: Review plans from Select Health and other carriers available in Rating Area 3. Pay attention to premiums, deductibles, copayments, and out-of-pocket maximums.
Check Networks: Confirm that your preferred doctors, specialists, and hospitals are in-network for the Select Health plan you choose.
Complete Enrollment: Select your plan and follow the prompts to finalize your application.

For personalized assistance and to ensure you choose the best Select Health plan for your needs and budget, consider working with a licensed health insurance producer. Their services are typically free to you, and they can help navigate the complexities of plan selection and enrollment.

Frequently Asked Questions

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

In South Salt Lake, Select Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the Utah marketplace. These plans provide coverage for essential health benefits, including doctor visits, hospital stays, prescription drugs, and mental health services.

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

Yes, many residents of South Salt Lake qualify for subsidies (premium tax credits) to lower the cost of Select Health plans purchased through HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Individuals and families earning between 100% and 400% FPL are typically eligible, with higher subsidies available for lower incomes. Enhanced subsidies from the American Rescue Plan Act have been extended, making coverage more affordable for more people.

How does Utah's Medicaid expansion affect Select Health coverage options?

Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. If your income falls within this range, you would typically be eligible for Medicaid rather than a subsidized Select Health plan on HealthCare.gov. If your income is above 138% FPL but you still need assistance, you would then look to subsidized marketplace plans from carriers like Select Health.

Which hospitals in Salt Lake County accept Select Health plans?

Select Health plans typically contract with a broad network of providers and hospitals in Salt Lake County. Major hospitals such as University of Utah Hospital and Clinics, Intermountain Medical Center, and Holy Cross Hospital - Salt Lake are generally part of robust carrier networks. It is always important to verify network participation for specific plans and providers directly with Select Health before enrollment to ensure your preferred doctors and facilities are covered.