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

Select Health Health Insurance Plans in Washington, Utah

Select Health is one of 3 carriers offering marketplace plans in Utah Rating Area 5 for 2026, which includes Washington, Utah.
Utah's marketplace, HealthCare.gov, offers HMO and EPO plans; PPO plans are not available on-exchange.
Individuals with household incomes between 100% and 400% FPL may qualify for subsidies to reduce Select Health premiums.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, and pregnant women up to 144% FPL.

Navigating health insurance options in Washington, Utah, means understanding the specific plans available through carriers like Select Health. For 2026, Select Health is a confirmed provider in Utah's Rating Area 5, which encompasses Washington County. Residents shopping on HealthCare.gov will find that plan choices are limited to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types, as PPO plans are not offered on-exchange in Utah. Eligibility for subsidies, known as Advance Premium Tax Credits (APTCs), can significantly reduce the cost of Select Health premiums for individuals and families whose incomes fall within 100% to 400% of the Federal Poverty Level.

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What Select Health Plans Are Available in Washington, Utah?

In Washington, Utah, Select Health offers health insurance plans primarily through HealthCare.gov, the federal marketplace for Utah residents. For the 2026 plan year, the options from Select Health, and all other carriers on the exchange, are structured as HMO and EPO plans. It is important to note that PPO plans are not available on-exchange in Utah.

HMO plans generally require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. EPO plans offer more flexibility, allowing you to see specialists without a referral, but typically restrict coverage to providers within their specific network. Select Health's offerings in Washington County will adhere to these network structures. Washington, Utah, located in Rating Area 5, which covers Iron and Washington counties, has a population of 32,348, with an uninsured rate of 12.2% per U.S. Census Bureau ACS 2024 5-year estimates.

Understanding Plan Tiers and Costs with Select Health

Like all marketplace plans, Select Health's offerings are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the level of cost-sharing between you and your insurer:

Bronze Plans: These plans have the lowest monthly premiums but the highest out-of-pocket costs, covering about 60% of medical expenses, with you paying 40%. They are best suited for those who anticipate minimal medical care or want protection against catastrophic events.
Silver Plans: Offering a balance of premiums and out-of-pocket costs, Silver plans cover approximately 70% of medical expenses. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and maximum out-of-pocket limits.
Gold Plans: These plans come with higher monthly premiums but lower out-of-pocket costs, covering about 80% of medical expenses. Gold plans are a good choice for those who expect to use medical services frequently and prefer predictable costs.
Platinum Plans: With the highest premiums, Platinum plans cover around 90% of medical expenses, offering the lowest out-of-pocket costs. They are ideal for individuals with extensive medical needs.

Your specific costs for a Select Health plan will depend on your chosen tier, your household income, and whether you qualify for subsidies.

Who Qualifies for Subsidies with Select Health in Washington, Utah?

Many residents of Washington, Utah, can receive financial assistance to make Select Health plans more affordable. The primary forms of assistance are Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs).

Advance Premium Tax Credits (APTCs)

APTCs are government subsidies that reduce your monthly health insurance premiums. To qualify, your household income must generally be between 100% and 400% of the Federal Poverty Level (FPL). For 2026, the specific income thresholds will vary, but here's an approximate guide based on a single individual:

Household Income (as % FPL)	Subsidy Type	Benefit
100% - 400% FPL	Advance Premium Tax Credits (APTCs)	Lowers monthly premiums for Select Health plans.

Cost-Sharing Reductions (CSRs)

CSRs help lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. These are only available if you choose a Silver-tier plan and your income is below 250% FPL. Washington County, with a median income of $80,632 and a poverty rate of 9.8% per U.S. Census Bureau ACS 2024 5-year estimates, has many residents who may benefit from these reductions.

Household Income (as % FPL)	Subsidy Type	Benefit
100% - 250% FPL	Cost-Sharing Reductions (CSRs)	Lowers deductibles, copays, and out-of-pocket maximums on Silver plans.

Utah Medicaid and CHIP Eligibility in Washington

Utah expanded its Medicaid program in 2020, making health coverage accessible to more adults and families. This is a critical difference from states that have not expanded Medicaid.

Adult Medicaid: Adults in Washington, Utah, with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. There is no "coverage gap" in Utah for those between 100% and 138% FPL; Medicaid is available.
Pregnant Women Medicaid: Pregnant women with incomes up to 144% FPL are eligible for Utah Medicaid, which includes comprehensive prenatal care, labor, delivery, and postpartum care.
CHIP for Children: The Children's Health Insurance Program (CHIP) provides coverage for uninsured children in households with incomes up to 200% FPL.

Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Washington

In 2026, 3 carriers offer marketplace plans in Utah Rating Area 5, which covers Iron and Washington counties. These carriers provide the options for health insurance plans through HealthCare.gov in Washington, Utah:

Molina Healthcare
Select Health
University of Utah Health Plans

Residents considering Select Health will find its plans alongside these other options, allowing for comparison of networks, benefits, and costs to find the best fit for their needs. St. George Regional Hospital, located in St George, is a major acute care facility serving Washington County.

Making Your Health Insurance Decision in Washington, Utah

Choosing the right health insurance plan, whether from Select Health or another carrier, involves evaluating your income, health needs, and preferred provider network.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This offers comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to reduce your monthly premiums. Consider a Silver plan, especially if your income is below 250% FPL, to access Cost-Sharing Reductions (CSRs) for lower out-of-pocket costs.
If your income is above 400% FPL: You will pay the full premium for any marketplace plan. Focus on the plan's network, deductible, and out-of-pocket maximum to find the best value.

A licensed health insurance producer can provide personalized guidance, helping you compare Select Health plans with other options, verify network compatibility (especially with local facilities like St. George Regional Hospital), and enroll in a plan that meets your specific requirements. This assistance is available at no cost to you.

Frequently Asked Questions

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

In Washington, Utah, Select Health typically offers HMO and EPO plans through HealthCare.gov. PPO plans are not available on-exchange in Utah. HMO plans require you to choose a primary care provider and get referrals for specialists, while EPO plans offer more flexibility within their network without requiring referrals.

Can I get a subsidy for a Select Health plan in Washington, Utah?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Cost-Sharing Reductions (CSRs) may also be available for those with incomes up to 250% FPL, reducing out-of-pocket costs on Silver plans.

Is Select Health available throughout Washington County, Utah?

Yes, Select Health is one of the carriers offering marketplace plans in Utah Rating Area 5, which covers both Washington and Iron counties. This means their plans are available to eligible residents across Washington County, including the city of Washington.

How do I enroll in a Select Health plan in Washington, Utah?

Enrollment for Select Health plans, along with other carriers, occurs through HealthCare.gov during the annual Open Enrollment Period. You can also qualify for a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed health insurance producer can assist you with the application process for free.