Select Health Insurance Plans in Syracuse, Utah

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

Select Health is one of 4 carriers offering marketplace plans in Syracuse's Rating Area 3 for 2026.
Only HMO and EPO plans are available on HealthCare.gov in Utah; PPO plans are not offered on-exchange.
Syracuse residents may qualify for subsidies to lower Select Health premiums if their income is between 100% and 400% FPL.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, and pregnant women up to 144% FPL.

Navigating health insurance options in Syracuse, Utah, involves understanding what plans are available and how they fit your needs and budget. For 2026, Select Health is one of the key providers offering coverage through HealthCare.gov in Syracuse. This article will help you understand your options with Select Health, including plan types, network access, and how to enroll for coverage in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties.

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What Are Your Select Health Plan Options in Syracuse?

In Syracuse, Select Health offers plans primarily through the Health Insurance Marketplace (HealthCare.gov). For 2026, Utah's marketplace focuses on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. This means your choice for Select Health will be between plans that typically require you to select a primary care provider (PCP) and get referrals for specialists (HMOs), or plans that allow you to see specialists within the network without a referral (EPOs). When choosing a Select Health plan, consider the metal tiers: Bronze, Silver, Gold, and Platinum. Each tier balances monthly premiums with out-of-pocket costs like deductibles, copayments, and coinsurance:

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage, covering essential health benefits after you meet your deductible.
Silver Plans: Offering moderate premiums and deductibles, Silver plans are popular because they are the only tier eligible for cost-sharing reductions (CSRs). If your income is below 250% of the Federal Poverty Level, these subsidies can significantly lower your deductible, copayments, and coinsurance.
Gold Plans: With higher monthly premiums than Silver plans, Gold plans offer lower deductibles and out-of-pocket costs when you need care. They are suitable for individuals who anticipate needing frequent medical services.

Understanding Subsidies and Utah Medicaid Eligibility

Many Syracuse residents qualify for financial assistance, making Select Health plans more affordable. These subsidies, known as premium tax credits, can lower your monthly health insurance premiums. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families earning between 100% and 400% of the FPL may qualify for these tax credits when purchasing a plan through HealthCare.gov. Utah expanded Medicaid in 2020, significantly impacting eligibility for low-income adults. Adults in Syracuse with household incomes up to 138% FPL may qualify for Utah Medicaid, which provides comprehensive coverage with no premiums. This expansion means there is no "coverage gap" for low-income individuals in Utah, unlike some other states. Additionally, Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing crucial prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL may qualify for Utah's CHIP program.

Health Insurance Carriers in Syracuse

Syracuse, located in Davis County, is part of Utah Rating Area 3. In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers include:

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

When evaluating Select Health or any other carrier, it is important to compare plan benefits, network access, and costs. All plans offered on HealthCare.gov must cover essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services.

Local Healthcare Access in Syracuse and Davis County

Syracuse, with a population of 35,488, is situated in Davis County, home to 370,924 residents. The city's uninsured rate stands at 2.5%, significantly lower than the county average of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. Davis County's healthcare infrastructure includes several acute care hospitals that are typically part of major insurance networks. For Syracuse residents, nearby facilities include Holy Cross Hospital-davis and Intermountain Health Layton Hospital, both located in Layton, as well as Lakeview Hospital and Western Peaks Specialty Hospital in Bountiful. When selecting a Select Health plan, verifying that your preferred doctors and hospitals, such as Holy Cross Hospital-davis, are in-network is a critical step.

Making the Right Health Plan Decision

Choosing a health insurance plan involves several considerations, including your budget, health needs, and preferred providers.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through Utah's Medicaid portal (medicaid.utah.gov) for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: Explore plans on HealthCare.gov. Focus on Silver plans if your income is below 250% FPL to maximize cost-sharing reductions, or consider Bronze, Silver, or Gold plans with premium tax credits.
If your income is above 400% FPL: You can still purchase a plan on HealthCare.gov at full price or explore off-marketplace options directly from carriers.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with other available options, check network compatibility, and enroll in the most suitable coverage for your family in Syracuse. This service is free and ensures you understand all available subsidies and plan benefits.

Frequently Asked Questions

What type of Select Health plans are available in Syracuse, Utah?

In Syracuse, Select Health offers HMO and EPO plans through HealthCare.gov. PPO plans are not available on the Utah marketplace. HMOs require you to choose a primary care provider and get referrals for specialists, while EPOs offer more flexibility to see specialists within the network without a referral.

Can I get a subsidy for a Select Health plan in Syracuse?

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 for Select Health plans purchased on HealthCare.gov. Individuals and families with incomes up to 250% FPL may also qualify for cost-sharing reductions on Silver plans.

What hospitals in Davis County are typically in-network for Select Health plans?

Select Health plans typically contract with major health systems in Davis County. Hospitals such as Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, and Intermountain Health Layton Hospital are generally part of prominent networks. It's crucial to verify specific provider and hospital networks for any plan you consider.

When can I enroll in a Select Health plan in Syracuse?

You can enroll during the annual Open Enrollment Period, which typically runs from November 1 to January 15 each year. Outside of this period, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as losing other coverage, getting married, having a baby, or moving to a new area.