Select Health Insurance Plans in Weber County, Utah for 2026

In 2026, Select Health is one of 4 carriers offering marketplace plans in Utah Rating Area 2, which includes Weber County.
Weber County residents may choose between HMO and EPO plan types on HealthCare.gov; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level and pregnant women up to 144% FPL.
Weber County, with a population of 269,648, has an uninsured rate of 8.8% per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Weber County, Utah, securing comprehensive health insurance is a vital step in managing healthcare needs and costs. Select Health is a prominent carrier offering marketplace plans in this region for 2026, providing a range of options for individuals and families. All marketplace plans in Weber County are offered through HealthCare.gov, the federal marketplace, where eligible individuals can also access financial assistance to lower their premiums and out-of-pocket expenses. Understanding the available plan types, enrollment processes, and local healthcare landscape is key to choosing the right coverage.

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Understanding Select Health Plans in Weber County

Select Health offers various health insurance plans designed to meet different needs and budgets within Weber County. As part of Utah Rating Area 2, which also covers Box Elder and Morgan counties, Select Health provides coverage through the HealthCare.gov marketplace. In Utah, marketplace shoppers choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, meaning your choice for subsidy-eligible coverage will focus on these two network structures. Select Health plans typically emphasize coordinated care through a primary care provider (PCP) within their network. HMO plans generally require you to choose a PCP who then refers you to specialists, while EPO plans offer more flexibility to see specialists without a referral, as long as they are within the plan's network. Both types of plans offer essential health benefits as mandated by the Affordable Care Act (ACA), including prescription drugs, mental health services, and preventive care.

How to Enroll in a Select Health Plan

Enrolling in a Select Health plan in Weber County is primarily done through HealthCare.gov. The main enrollment period is during Open Enrollment, which typically runs from November 1 to January 15 each year for coverage starting the following year. Outside of this window, you may still be able to enroll if you experience a Qualifying Life Event (QLE) that triggers a Special Enrollment Period (SEP). Common QLEs include:

Losing existing health coverage (e.g., job loss, COBRA ending)
Marriage or divorce
Birth or adoption of a child
Moving to a new rating area where new plans are available
Changes in income that affect subsidy eligibility

When applying through HealthCare.gov, you will provide information about your household income and size. This information is used to determine your eligibility for financial assistance, such as Advanced Premium Tax Credits (APTCs) that lower your monthly premiums, and Cost-Sharing Reductions (CSRs) that reduce your out-of-pocket costs like deductibles, copayments, and coinsurance.

Financial Assistance and Utah Medicaid in Weber County

Many residents of Weber County qualify for financial assistance to make health insurance more affordable. The ACA provides subsidies based on your household income relative to the Federal Poverty Level (FPL).

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

2026 Federal Poverty Level (FPL) Income Thresholds for Subsidies (Example for Single Individual)
Income Level	Approximate Annual Income (Individual)	Potential Assistance
Below 138% FPL	Up to ~$20,000	Eligible for Utah Medicaid
100% - 150% FPL	~$14,580 - ~$21,870	Significant APTCs, strong CSRs on Silver plans
151% - 250% FPL	~$21,871 - ~$36,450	Substantial APTCs, good CSRs on Silver plans
251% - 400% FPL	~$36,451 - ~$58,320	APTCs available, some CSRs on Silver plans
Above 400% FPL	Above ~$58,320	May qualify for APTCs depending on premium costs (due to enhanced subsidies)

Utah Medicaid: Utah expanded its Medicaid program in 2020. This means that adults in Weber County with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, providing comprehensive, low-cost coverage. For pregnant women, the income threshold for Medicaid is 144% FPL, and for children under the Children's Health Insurance Program (CHIP), it's up to 200% FPL. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Weber County

In 2026, 4 carriers offer marketplace plans in Utah Rating Area 2, which covers Box Elder, Morgan, and Weber counties. These carriers provide a range of HMO and EPO options for residents seeking coverage through HealthCare.gov.

Select Health: As a prominent local carrier, Select Health offers a variety of plans, often integrating with local provider networks.
BridgeSpan Health Company: Known for offering a selection of plans within the state, BridgeSpan Health Company is another option for Weber County residents.
Regence BlueCross BlueShield of Utah: A well-established insurer, Regence BlueCross BlueShield of Utah provides plans with broad network access within the region.
University of Utah Health Plans: Affiliated with the University of Utah Health system, this carrier offers plans that often connect with their extensive network of providers and facilities.

Weber County's 2 acute care hospitals—Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden—serve a population of 269,648 with an 8.8% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates. These facilities are integral to the local healthcare landscape and are typically included in the networks of the confirmed local carriers.

Making Your Health Insurance Decision in Weber County

Choosing the right health insurance plan involves considering your healthcare needs, budget, and preferred providers. Here’s a guide to help Weber County residents make an informed decision:

Assess Your Income: If your household income is below 138% FPL, you likely qualify for Utah Medicaid. Apply directly through the state's Medicaid portal.
Utilize Subsidies: If your income is between 100% and 400% FPL (or even higher due to enhanced subsidies), explore plans on HealthCare.gov to see how much you can save on premiums and out-of-pocket costs with APTCs and CSRs.
Consider Plan Types: Decide between HMO and EPO plans based on your preference for primary care physician referrals and network flexibility. Remember, PPO plans are not available on-exchange in Utah.
Check Provider Networks: Verify that your preferred doctors, specialists, and hospitals (such as Mckay-dee Hospital or Ogden Regional Medical Center) are included in the network of any plan you are considering.
Compare Metal Tiers:
- Bronze plans have lower premiums but higher deductibles and out-of-pocket maximums, suitable for those who expect minimal healthcare use.
- Silver plans offer a balance, and if you qualify for Cost-Sharing Reductions, they provide the best value by significantly lowering deductibles and copays.
- Gold plans have higher premiums but lower deductibles and out-of-pocket costs, ideal if you anticipate frequent medical care.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from Select Health and other local carriers, understand your subsidy eligibility, and navigate the enrollment process—all at no cost to you.

Frequently Asked Questions

What types of plans does Select Health offer in Weber County?

In Weber County, Select Health offers HMO and EPO plans on the HealthCare.gov marketplace for 2026. PPO plans are not available on-exchange in Utah.

How can I enroll in a Select Health plan in Weber County?

You can enroll in a Select Health plan for Weber County through HealthCare.gov during the annual Open Enrollment Period or if you qualify for a Special Enrollment Period due to a life event.

Does Utah Medicaid cover residents of Weber County?

Yes, Utah expanded Medicaid in 2020. Adults in Weber County with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children up to 200% FPL for CHIP.

Are there subsidies available for Select Health plans in Weber County?

Yes, many Weber County residents qualify for Advanced Premium Tax Credits (APTCs) to lower monthly premiums and Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs, depending on household income and size. These subsidies are applied when enrolling through HealthCare.gov.

What other carriers offer marketplace plans in Weber County?

In addition to Select Health, residents of Weber County can choose from plans offered by BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, and University of Utah Health Plans on the HealthCare.gov marketplace for 2026.