Select Health Health Insurance Plans in Wasatch County, Utah

In 2026, two carriers—Select Health and University of Utah Health Plans—offer marketplace plans in Wasatch County.
Wasatch County is part of Utah Rating Area 3, which includes four other counties.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).
Wasatch County has a median income of $117,608 and an uninsured rate of 7.5%, per U.S. Census Bureau ACS 2024 5-year estimates.
PPO plans are not available on HealthCare.gov in Utah; marketplace choices are limited to HMO and EPO plans.

Navigating health insurance options in Wasatch County, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace. For 2026, residents have choices from two key carriers: Select Health and University of Utah Health Plans. These carriers offer Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in Utah. It is important to compare these options based on your healthcare needs, preferred doctors, and budget. Subsidies, in the form of premium tax credits and cost-sharing reductions, are available to eligible individuals and families to help make coverage more affordable.

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What Health Insurance Plans Are Available in Wasatch County?

In Wasatch County, residents can access health insurance plans through HealthCare.gov, the federal marketplace for Utah. For the 2026 plan year, two carriers offer coverage in Rating Area 3, which includes Wasatch County: Select Health and University of Utah Health Plans. These plans primarily utilize Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. It is important to note that PPO plans are not offered on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO options. HMO plans typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPO plans offer more flexibility within their network without requiring a PCP referral, but generally do not cover out-of-network care.

Understanding Your Eligibility and Subsidies in Utah

Eligibility for financial assistance to lower health insurance costs in Wasatch County depends on your household income relative to the Federal Poverty Level (FPL). Utah, having expanded Medicaid in 2020, offers a different landscape than non-expansion states.

Income Level (as % FPL)	Potential Coverage / Assistance	Key Details
Below 138% FPL	Utah Medicaid	Adults may qualify for comprehensive, low-cost coverage. Pregnant women up to 144% FPL, children through CHIP up to 200% FPL.
100% - 400% FPL	Premium Tax Credits (Subsidies)	Reduces monthly premiums on marketplace plans. Available for individuals and families.
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Lowers out-of-pocket costs like deductibles, copayments, and maximum out-of-pocket limits. Only available on Silver plans.
Above 400% FPL	Marketplace Plans (Full Price)	Can purchase plans through HealthCare.gov at full price. Premium tax credits may still be available for some households due to the "subsidy cliff" being eliminated.

For individuals and families whose income falls between 100% and 400% FPL, premium tax credits can significantly reduce the cost of monthly premiums. Those with incomes between 100% and 250% FPL may also qualify for cost-sharing reductions (CSRs), which lower out-of-pocket expenses when accessing care, making Silver plans particularly valuable.

Health Insurance Carriers in Wasatch County

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

Select Health: A prominent Utah-based health plan, Select Health offers a range of HMO and EPO plans designed to meet diverse healthcare needs within the region.
University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier provides HMO and EPO plans that often integrate with its extensive network of providers and facilities.

When choosing a plan, it is crucial to verify that your preferred doctors, specialists, and any necessary medical facilities are in-network with the specific plan you select from either Select Health or University of Utah Health Plans. This ensures you receive the highest level of coverage and avoid unexpected out-of-network costs.

Local Healthcare Landscape in Wasatch County

Wasatch County, with a population of 36,642 and a median income of $117,608, is one of the more affluent counties in Utah, yet its uninsured rate stands at 7.5%, per U.S. Census Bureau ACS 2024 5-year estimates. This county, part of Utah Rating Area 3, is unique in that it has no acute care hospitals within its boundaries, meaning residents needing emergency or inpatient care typically travel to neighboring counties, such as Summit or Salt Lake, for services. The median age in Wasatch County is 36.8 years, and the poverty rate is 4.7%, both figures that influence the community's healthcare needs and access to affordable coverage options.

Making Your Health Insurance Decision in Wasatch County

Choosing the right health insurance plan requires careful consideration of your specific circumstances. Begin by evaluating your household income to determine your eligibility for Utah Medicaid or federal subsidies through HealthCare.gov.

If your income is below 138% FPL: You likely qualify for Utah Medicaid, which offers comprehensive coverage with minimal or no cost. Apply directly through Utah's Medicaid portal.
If your income is between 100% and 400% FPL: Focus on plans available on HealthCare.gov. Utilize premium tax credits to lower your monthly payments. If your income is also between 100% and 250% FPL, consider a Silver plan to take advantage of cost-sharing reductions that lower your deductibles and copays.
If your income is above 400% FPL: You can still purchase plans through HealthCare.gov at full price. Compare the HMO and EPO options from Select Health and University of Utah Health Plans, paying close attention to network coverage and out-of-pocket maximums.

An experienced, licensed health insurance producer can provide personalized guidance, helping you compare plans, understand network restrictions, and navigate the enrollment process—all at no additional cost to you.

Frequently Asked Questions

What health insurance plans are available in Wasatch County?

In 2026, two carriers, Select Health and University of Utah Health Plans, offer health insurance plans on HealthCare.gov in Wasatch County. These plans include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types. PPO plans are not available on the Utah marketplace.

Can I get a PPO plan through HealthCare.gov in Wasatch County?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah, including Wasatch County. Marketplace shoppers in Utah choose between HMO and EPO network structures. While PPO plans may exist off-marketplace, they typically do not qualify for federal subsidies.

Does Utah have expanded Medicaid, and what are the income limits?

Yes, Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL. Applications can be submitted through Utah's Medicaid portal.

How does Wasatch County's lack of hospitals affect health insurance choices?

Since Wasatch County has no acute care hospitals within its boundaries, residents must travel to neighboring counties for emergency or inpatient care. When selecting a plan from Select Health or University of Utah Health Plans, it is crucial to ensure that the hospitals and providers in the counties you typically access for care are in-network with your chosen plan.