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

Select Health Health Insurance Plans in St. George, Utah

Select Health is one of 3 confirmed carriers offering marketplace health insurance plans in St. George for 2026.
St. George residents can choose between HMO and EPO plan types; PPO plans are not available on-exchange in Utah.
Individuals and families in St. George with incomes up to 400% FPL may qualify for significant subsidies on HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% FPL, and pregnant women up to 144% FPL.

For residents of St. George, Utah, seeking health insurance, Select Health is a prominent option available through the HealthCare.gov marketplace. As one of the confirmed carriers for Rating Area 5 in 2026, Select Health offers a range of plans designed to meet diverse needs, primarily featuring HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. Understanding your options with Select Health, including plan types, costs, and how subsidies can reduce your premiums, is key to securing affordable coverage in Washington County.

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What Types of Select Health Plans Are Available in St. George?

In St. George, your choices for Select Health plans on HealthCare.gov will typically fall into two main categories: HMO and EPO. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will select between HMO and EPO options.

HMO (Health Maintenance Organization): These plans usually 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 outside their network.
EPO (Exclusive Provider Organization): EPO plans also use a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. Like HMOs, they typically do not cover out-of-network care except in emergencies.

All Select Health plans offered on the marketplace are compliant with the Affordable Care Act (ACA), meaning they cover essential health benefits such as prescription drugs, mental health care, maternity care, and preventive services, with no annual or lifetime limits on coverage.

How Do Subsidies Affect Select Health Plan Costs in St. George?

Affordability is a major factor when choosing a health plan, and for many St. George residents, financial assistance is available to significantly lower the cost of Select Health plans. These subsidies, officially known as premium tax credits, are available through HealthCare.gov for individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level (FPL). For example, a single individual in St. George earning up to approximately $58,320 annually (400% FPL in 2024, which adjusts annually) could qualify for tax credits. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. These tax credits can be applied directly to your monthly premiums, reducing your out-of-pocket costs. Additionally, some individuals may qualify for Cost-Sharing Reductions (CSRs) if their income is between 100% and 250% FPL and they choose a Silver-tier plan. CSRs lower your deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable when you need it.

Understanding Utah Medicaid Eligibility in St. George

Unlike some states, Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3). This means that adults in St. George with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. For a single individual, this threshold is approximately $20,120 annually (based on 2024 FPL figures, subject to annual adjustment). Utah Medicaid provides extensive benefits with little to no cost for eligible individuals and families, including doctor visits, hospital care, and prescription drugs. For pregnant women in St. George, Utah Medicaid offers coverage up to 144% FPL, which is slightly higher than the standard adult threshold. This pregnancy-specific extension ensures access to crucial prenatal care, labor and delivery services, and postpartum support. Uninsured children in households up to 200% FPL can also qualify for Utah's Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in St. George

For 2026, residents of St. George and the broader Washington County area have several options for marketplace health insurance. In 2026, 3 carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties. These carriers provide a range of HMO and EPO plans for individuals and families. The confirmed carriers for Rating Area 5 are:

Molina Healthcare
Select Health
University of Utah Health Plans

When evaluating plans, it is essential to compare not only the monthly premiums but also the deductibles, copayments, and the specific provider networks for each carrier. St. George, with a population of 101,995 and an uninsured rate of 11.5% per U.S. Census Bureau ACS 2024 5-year estimates, is served by St. George Regional Hospital, which is a key acute care facility in Washington County. Residents should verify that their preferred doctors and the St. George Regional Hospital are in-network with their chosen plan.

Making the Right Choice: Select Health in St. George

Choosing the right Select Health plan, or any other plan, in St. George involves evaluating your healthcare needs, budget, and preferred doctors. Consider the following steps:

Assess Your Income: Determine if you qualify for premium tax credits or Cost-Sharing Reductions through HealthCare.gov, or if your income is low enough for Utah Medicaid.
Evaluate Plan Types: Decide whether an HMO or EPO structure best fits your needs regarding referrals, network flexibility, and cost.
Check Provider Networks: Ensure that your current doctors, specialists, and facilities like St. George Regional Hospital are included in the plan's network.
Compare Costs: Look beyond just the premium. Consider deductibles, copayments, and out-of-pocket maximums to understand your total potential healthcare costs.

Navigating these choices can be complex. A licensed health insurance producer can provide free, unbiased assistance, helping you compare Select Health plans with other available options, determine your subsidy eligibility, and enroll in a plan that meets your family's specific needs in St. George.

Frequently Asked Questions

What types of Select Health plans are available in St. George, Utah?

In St. George, Select Health offers plans with either HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) network structures. PPO plans are not available on the HealthCare.gov marketplace in Utah. These plans cover essential health benefits as required by the Affordable Care Act (ACA).

Can I get a subsidy for Select Health plans in St. George?

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. Individuals with income below 138% FPL may qualify for Utah Medicaid, which offers comprehensive, low-cost coverage.

Where can I find doctors and hospitals that accept Select Health in St. George?

Select Health plans typically have a network of providers. In St. George, major facilities like St. George Regional Hospital are often included in carrier networks. It is crucial to verify that your preferred doctors and specialists are in-network for any specific Select Health plan you are considering before enrolling.

Is Select Health the only carrier option in St. George, Utah?

No, Select Health is one of three carriers offering marketplace plans in Rating Area 5, which covers Washington and Iron counties. The other confirmed carriers for 2026 are Molina Healthcare and University of Utah Health Plans. This provides options for St. George residents to compare plans and prices.