Select Health Health Insurance in Washington County, Utah

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

Navigating health insurance options in Washington County, Utah, especially when considering a specific carrier like Select Health, requires understanding the local market. For 2026, Select Health offers a range of health plans through HealthCare.gov, catering to individuals and families seeking coverage in Rating Area 5, which includes both Washington and Iron counties. Residents will find that the marketplace in Utah primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, with PPO plans not being available on-exchange.

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What Select Health Plans Are Available in Washington County?

Select Health is a prominent health insurance carrier in Utah, and in Washington County, they offer plans through the federal marketplace, HealthCare.gov. For the 2026 plan year, you can expect to find both HMO and EPO network plans from Select Health. It's important to note that PPO plans are not offered on-exchange in Utah, meaning your marketplace choices will focus on these two network types. HMO (Health Maintenance Organization) Plans: These plans typically require you to choose a primary care provider (PCP) within the network. Your PCP then coordinates your care and provides referrals to specialists when needed. HMOs often have lower monthly premiums and out-of-pocket costs compared to other plan types. EPO (Exclusive Provider Organization) Plans: EPO plans offer a network of doctors and hospitals, similar to an HMO, but generally do not require a referral to see a specialist as long as the specialist is within the plan's network. EPOs provide a balance between the managed care of an HMO and the flexibility of a PPO, but typically do not cover out-of-network care except in emergencies. When selecting a Select Health plan, it's crucial to verify that your preferred doctors, specialists, and facilities, such as St. George Regional Hospital, are included in the plan's network to ensure your continuity of care.

Understanding Health Insurance Costs and Subsidies in Washington County

The cost of health insurance in Washington County can vary significantly based on the plan tier (Bronze, Silver, Gold), your age, and whether you qualify for financial assistance. The Affordable Care Act (ACA) marketplace on HealthCare.gov provides subsidies, known as Advance Premium Tax Credits (APTCs), to help eligible individuals and families lower their monthly premiums. These subsidies are available to those with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For 2026, the enhanced subsidies introduced by the American Rescue Plan Act and extended by the Inflation Reduction Act continue to make health coverage more affordable. Many Washington County residents may find that their monthly premiums are significantly reduced, and some may even qualify for plans with $0 monthly premiums after subsidies.
Household Income (FPL) Potential Financial Assistance Impact on Coverage
Below 138% FPL Eligible for Utah Medicaid Comprehensive, low-cost or no-cost coverage.
100% - 150% FPL Significant APTCs + Cost-Sharing Reductions (CSRs) Very low premiums and out-of-pocket costs on Silver plans.
151% - 200% FPL Strong APTCs + Cost-Sharing Reductions (CSRs) Reduced premiums and out-of-pocket costs on Silver plans.
201% - 250% FPL Moderate APTCs + Cost-Sharing Reductions (CSRs) Affordable premiums and some out-of-pocket savings on Silver plans.
251% - 400% FPL APTCs available Lowered monthly premiums for Bronze, Silver, or Gold plans.
Above 400% FPL No APTCs or CSRs Pay full premium, but still benefit from ACA protections.
Cost-Sharing Reductions (CSRs) are an additional form of financial assistance available to those who enroll in a Silver-tier plan and have incomes up to 250% FPL. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making healthcare services more affordable when you use them.

Medicaid and CHIP Eligibility in Washington County

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing crucial coverage for many residents. In Washington County, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a significant difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for low-income individuals and families. Utah Medicaid for Adults: For individuals, 138% FPL currently equates to approximately $20,782 annually. For a family of three, it's about $35,532. These thresholds are subject to change annually. Medicaid for Pregnant Women: Pregnant women in Washington County may qualify for Utah Medicaid with incomes up to 144% FPL. This coverage includes comprehensive prenatal care, labor and delivery services, and postpartum care. CHIP for Children: The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential medical and dental care for the county's younger population. Applications for Utah Medicaid and CHIP can be submitted through the Utah Department of Health's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Washington County

For 2026, residents of Washington County, which is part of Utah Rating Area 5 (covering Iron and Washington counties), have a choice of 3 carriers offering plans through HealthCare.gov. These carriers provide a range of HMO and EPO options across different metal tiers (Bronze, Silver, Gold) to meet various coverage and budget needs. The confirmed carriers for Rating Area 5 in 2026 are: Washington County, with a population of 196,431 and an uninsured rate of 11.1% per U.S. Census Bureau ACS 2024 5-year estimates, relies on these carriers to provide essential health coverage. The county's primary acute care facility, St. George Regional Hospital in St George, is a key component of the local healthcare infrastructure that these plans aim to cover.

How to Choose the Right Health Plan in Washington County

Selecting the best health insurance plan involves considering your healthcare needs, budget, and local provider access. Here's a guide to help Washington County residents make an informed decision:
Your Situation Recommended Action Key Considerations
Low income (below 138% FPL) Apply for Utah Medicaid. Comprehensive coverage with minimal or no cost. Check eligibility at medicaid.utah.gov.
Income 100%–250% FPL Enroll in a Silver plan with Cost-Sharing Reductions (CSRs). Best value with lower deductibles, copays, and out-of-pocket maximums. Subsidies also reduce premiums.
Income 251%–400% FPL Consider Bronze, Silver, or Gold plans with premium subsidies. Bronze plans have low premiums but high deductibles. Silver offers a balance. Gold has higher premiums but lower out-of-pocket costs.
High income (above 400% FPL) Evaluate Bronze, Silver, and Gold plans based on your expected healthcare usage. You will pay the full premium, but still benefit from ACA protections and network access.
Need specific doctors/hospitals Verify network compatibility before enrolling. Ensure your preferred providers, like those at St. George Regional Hospital, are in-network for your chosen Select Health, Molina Healthcare, or University of Utah Health Plans plan.
A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health, Molina Healthcare, and University of Utah Health Plans, understand your subsidy eligibility, and enroll in a plan that meets your specific needs. This service is typically free to you.

Frequently Asked Questions

What types of Select Health plans are available in Washington County?
In Washington County, Select Health offers both HMO and EPO plans through HealthCare.gov. PPO plans are not available on-exchange in Utah for 2026. 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.
How do I know if I qualify for a subsidy in Washington County?
Eligibility for subsidies (Advance Premium Tax Credits) is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for subsidies to lower their monthly premiums. Enhanced subsidies are available through 2025, making coverage more affordable for many residents.
Can I get Medicaid in Washington County if my income is low?
Yes, Utah expanded Medicaid in 2020. Adults in Washington County with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through Utah CHIP. You can apply through Utah's Medicaid portal at medicaid.utah.gov.
What hospitals are in Select Health's network in Washington County?
While specific network details can vary by plan, Select Health plans generally include local facilities such as St. George Regional Hospital in St George. It is always recommended to verify that your preferred doctors and hospitals are in-network with your chosen Select Health plan before enrolling to ensure seamless access to care.

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