Select Health Insurance Plans in Summit County, Utah

Q: What types of plans does Select Health offer in Summit County?

In Summit County, Select Health offers health insurance plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah. These plans cover essential health benefits as mandated by the Affordable Care Act.

Q: Can I get a subsidy for a Select Health plan in Summit County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to lower your monthly premiums. Individuals and families earning below 138% FPL may qualify for Utah Medicaid, which offers comprehensive coverage with no premiums or deductibles.

Q: Does Select Health cover Park City Hospital in Summit County?

Select Health plans typically have a network of providers, which may include Park City Hospital. It is crucial to verify directly with Select Health or through your specific plan's provider directory to confirm in-network status for Park City Hospital and any other preferred healthcare facilities before enrolling.

Q: What is the enrollment period for Select Health plans in Utah?

The primary enrollment period for HealthCare.gov plans, including those from Select Health, is during Open Enrollment, which typically runs from November 1 to January 15 each year. Outside of this window, you may only enroll if you experience a Qualifying Life Event (QLE) such as losing other coverage, getting married, or having a baby.

Select Health is one of 4 carriers offering marketplace plans in Summit County for 2026.
Plans in Utah's HealthCare.gov marketplace are limited to HMO and EPO network types; PPOs are not available for subsidies.
Summit County residents with incomes up to 138% FPL may qualify for Utah Medicaid.
The average median income in Summit County is $138,114, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Summit County, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace serving Utah. Select Health is a key provider in this region, offering various plan options designed to meet the diverse needs of individuals and families. For 2026, residents of Summit County will find plans from Select Health structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs), which are the primary network types available on-exchange in Utah. PPO plans, while common in other states, are not offered with subsidies through the Utah marketplace.

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What Are Your Select Health Options in Summit County?

Select Health offers a range of plans across different metal tiers (Bronze, Silver, Gold, and Platinum) on HealthCare.gov, each designed with varying levels of coverage and cost-sharing. Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, making them suitable for those who anticipate minimal medical care or prefer lower upfront costs. Silver plans offer a balance between premiums and out-of-pocket costs, and they are particularly beneficial for individuals and families who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and coinsurance. Gold and Platinum plans come with higher monthly premiums but lower out-of-pocket costs, ideal for those who expect frequent medical care or prefer predictable expenses.

Understanding HMO and EPO Networks

When choosing a Select Health plan in Summit County, it's important to understand the difference between HMO and EPO networks:

HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. Except for emergencies, out-of-network care is generally not covered.
EPO (Exclusive Provider Organization): EPO plans offer more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, like HMOs, they generally do not cover out-of-network care, except in emergencies.

Since PPO plans are not available on-exchange in Utah, your choice for marketplace plans will be between these two network types from Select Health or other carriers.

Who Qualifies for Subsidies in Summit County?

Many Summit County residents may be eligible for financial assistance to make their Select Health plan more affordable. Subsidies, also known as Premium Tax Credits, are available to individuals and families whose household income falls between 100% and 400% of the Federal Poverty Level (FPL). These tax credits can be applied directly to your monthly premiums, reducing your out-of-pocket costs. For individuals and families with lower incomes, Utah has expanded Medicaid. Adults with incomes up to 138% FPL may qualify for Utah Medicaid, which provides comprehensive health coverage with no premiums or deductibles. This is a crucial difference from some other states, as Utah's expanded Medicaid ensures that a broad range of low-income residents have access to affordable healthcare. Additionally, pregnant women in Utah with incomes up to 144% FPL and children in households up to 200% FPL may qualify for Utah Medicaid or CHIP.

2026 Federal Poverty Level (FPL) Guidelines for Utah (Example)
Household Size	100% FPL (Approx. Annual Income)	138% FPL (Approx. Annual Income)	200% FPL (Approx. Annual Income)	400% FPL (Approx. Annual Income)
1	$15,060	$20,783	$30,120	$60,240
2	$20,440	$28,207	$40,880	$81,760
3	$25,820	$35,632	$51,640	$103,280
4	$31,200	$43,056	$62,400	$124,800

Note: These FPL figures are illustrative for 2026. Official FPL numbers are released annually by the Department of Health and Human Services.

Health Insurance Carriers in Summit County

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. This ensures a competitive market with several options for Summit County residents. Select Health is one of these key providers. The confirmed carriers for Summit County's Rating Area 3 are:

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

When reviewing plans, it's essential to compare not only premiums and deductibles but also the specific benefits, provider networks, and prescription drug formularies offered by each carrier. Summit County's 42,970 residents have a median income of $138,114 and an uninsured rate of 7.3%, per U.S. Census Bureau ACS 2024 5-year estimates. Park City Hospital in Park City serves as the primary acute care hospital for the area.

Making Your Decision for Health Coverage

Choosing the right health insurance plan for your family or individual needs in Summit County requires careful consideration. Here are key steps to guide your decision:

Assess Your Healthcare Needs: Consider how often you expect to use medical services, including doctor visits, specialist appointments, and prescription medications. This will help you determine if a Bronze, Silver, Gold, or Platinum plan is most appropriate.
Check for Subsidies: Use HealthCare.gov to determine if you qualify for Premium Tax Credits or Cost-Sharing Reductions based on your income. These can significantly reduce your monthly costs and out-of-pocket expenses.
Verify Provider Networks: If you have preferred doctors, specialists, or hospitals like Park City Hospital, confirm that they are in-network with the Select Health plan you are considering. Out-of-network care can be significantly more expensive or not covered at all.
Compare Plan Types: Understand the differences between HMO and EPO plans regarding referrals and out-of-network coverage.
Consider Utah Medicaid: If your income is below 138% FPL, explore eligibility for Utah Medicaid, which offers comprehensive coverage.

Frequently Asked Questions

What types of plans does Select Health offer in Summit County?

Select Health offers health insurance plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures through HealthCare.gov in Summit County, Utah. These plans cover essential health benefits. PPO plans are not available on-exchange in Utah for subsidy-eligible enrollment.

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

Yes, many Summit County residents may qualify for financial assistance. If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for Premium Tax Credits to lower your monthly premiums. For those below 138% FPL, Utah Medicaid offers comprehensive, low-cost coverage.

Does Select Health cover Park City Hospital in Summit County?

Select Health plans operate with specific provider networks. While Park City Hospital is the primary acute care facility in Summit County, it is essential to verify directly with Select Health or consult your specific plan's provider directory to confirm if Park City Hospital and its associated providers are in-network for your chosen plan.

What is the enrollment period for Select Health plans in Utah?

The standard enrollment period for HealthCare.gov plans, including those from Select Health, is during Open Enrollment, which typically runs from November 1 to January 15 each year. Outside of this period, you may be able to enroll if you experience a Qualifying Life Event, such as losing existing coverage, moving, getting married, or having a child.