Select Health Health Insurance Plans in Wayne County, Utah

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

Select Health is one of 2 confirmed carriers offering health insurance plans on HealthCare.gov in Wayne County for 2026.
Wayne County is part of Utah Rating Area 6, which covers 16 counties in total.
Utah residents with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid.
PPO plans are NOT available on-exchange in Utah; marketplace shoppers in Wayne County choose between HMO and EPO plans.

Navigating health insurance options in Wayne County, Utah, especially when considering a specific carrier like Select Health, requires understanding local availability and state-specific rules. Select Health is a prominent provider in Utah, and for 2026, it is one of two carriers confirmed to offer plans on HealthCare.gov in Wayne County. This means you can explore various Select Health plans, compare them with other available options, and potentially benefit from federal subsidies to lower your monthly premiums, depending on your income.

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What Select Health Plans Are Available in Wayne County?

In Wayne County, Select Health offers a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through the federal Health Insurance Marketplace, HealthCare.gov. It's important to note that PPO plans are not available on-exchange in Utah, so your marketplace choices for Select Health will focus on HMO and EPO network structures. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of coverage and out-of-pocket costs.

Wayne County, part of Utah Rating Area 6, is one of the state's most rural counties, with a population of just 2,584 and an uninsured rate of 4.2% per U.S. Census Bureau ACS 2024 5-year estimates. This rating area also covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, and Uintah counties. The median income in Wayne County is $76,607, and residents needing acute care travel to neighboring counties, as there are no acute care hospitals within Wayne County's boundaries.

Understanding Plan Tiers and Costs

When selecting a Select Health plan, consider the metal tier that best fits your healthcare needs and budget:

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are suitable for individuals who expect to use healthcare services infrequently and want protection against catastrophic medical costs.
Silver Plans: Offering a balance between monthly premiums and out-of-pocket costs, Silver plans are popular. If your income qualifies for Cost-Sharing Reductions (CSRs), Silver plans can provide significant savings on deductibles, copayments, and coinsurance, making them much more valuable.
Gold Plans: These plans come with higher monthly premiums but lower deductibles and out-of-pocket maximums. They are a good choice for those who expect to use healthcare services regularly and prefer more predictable costs throughout the year.

Health Insurance Carriers in Wayne County

For the 2026 plan year, residents of Wayne County, which is part of Utah Rating Area 6, have a choice of plans from 2 confirmed carriers on HealthCare.gov. These carriers are:

Select Health
University of Utah Health Plans

Both carriers offer a variety of HMO and EPO plans across the metal tiers. Comparing plans from both Select Health and University of Utah Health Plans is crucial to find the best balance of network, benefits, and cost for your specific needs.

How to Qualify for Financial Assistance in Utah

Many Wayne County residents can get help paying for their health insurance premiums and out-of-pocket costs. Financial assistance is available through HealthCare.gov, primarily in two forms:

Premium Tax Credits (Subsidies)

Premium tax credits reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). Generally, individuals and families with incomes between 100% and 400% FPL may qualify. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area.

Cost-Sharing Reductions (CSRs)

If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These are extra savings that lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver plans purchased through HealthCare.gov.

Utah Medicaid and CHIP

Utah expanded Medicaid in 2020, meaning adults with income up to 138% FPL may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid. Utah Medicaid provides comprehensive, low-cost coverage. Pregnant women in Utah may qualify for Medicaid with incomes up to 144% FPL, and children can qualify for CHIP (Children's Health Insurance Program) with household incomes up to 200% FPL. You can apply for Utah Medicaid through medicaid.utah.gov.

Next Steps: Choosing Your Health Plan

Making an informed decision about health insurance involves several factors. Consider these steps:

Assess Your Needs: Think about your expected healthcare usage, preferred doctors, and prescription needs.
Compare Plans: Use HealthCare.gov to compare Select Health plans with those from University of Utah Health Plans. Pay attention to premiums, deductibles, copayments, and out-of-pocket maximums.
Check Provider Networks: Ensure your preferred doctors and any necessary specialists are in the network of the plan you choose. While Wayne County has no acute care hospitals, ensure the network covers facilities in areas you are willing to travel to.
Verify Subsidy Eligibility: Enter your income and household information accurately on HealthCare.gov to see if you qualify for premium tax credits or cost-sharing reductions.
Consider Professional Help: A licensed health insurance producer can provide personalized guidance, help you compare plans, and assist with enrollment, often at no cost to you.

Frequently Asked Questions

Is Select Health available on HealthCare.gov in Wayne County?

Yes, Select Health is one of two carriers offering plans on HealthCare.gov in Wayne County and the broader Rating Area 6 for the 2026 plan year.

What type of health insurance plans does Select Health offer in Wayne County?

In Wayne County, Select Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through the Health Insurance Marketplace. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for Select Health plans in Wayne County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to reduce the cost of Select Health plans purchased through HealthCare.gov. Individuals with income below 138% FPL may qualify for Utah Medicaid.

Are there any hospitals in Wayne County that accept Select Health?

Wayne County does not have any acute care hospitals within its boundaries. Residents typically travel to neighboring counties for hospital services. Select Health plans have networks that cover facilities in surrounding areas of Rating Area 6.