University of Utah Health Insurance in Clearfield, UT

In 2026, University of Utah Health is one of 4 carriers offering marketplace plans in Utah Rating Area 3, which includes Clearfield.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
Clearfield residents with household incomes between 100% and 400% FPL may qualify for premium tax credits through HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.

Navigating health insurance options in Clearfield, Utah, especially when considering a specific carrier like University of Utah Health, requires understanding local availability, plan types, and eligibility for financial assistance. University of Utah Health Plans offers a range of options designed to meet the healthcare needs of individuals and families in Clearfield and the wider Davis County area. As part of Utah Rating Area 3, Clearfield residents have access to plans through the federal marketplace, HealthCare.gov, with potential subsidies that can significantly reduce monthly premiums and out-of-pocket costs. This guide will help you understand your choices with University of Utah Health, how to enroll, and what financial aid might be available to you.

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What University of Utah Health Plans Are Available in Clearfield?

In Clearfield, which is part of Utah Rating Area 3, University of Utah Health is one of the key carriers offering individual and family health insurance plans through HealthCare.gov. For the 2026 plan year, Clearfield residents will find that the marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are generally not available on-exchange in Utah. HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the University of Utah Health network. Your PCP coordinates all your care and provides referrals to specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside the network. EPO Plans: With an EPO, you typically do not need a referral to see a specialist, but you must stay within the University of Utah Health's network of doctors and hospitals for covered services. EPOs offer a bit more flexibility than HMOs while still managing costs through network restrictions. Understanding the differences between these plan types is crucial to ensure your preferred doctors and hospitals, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are in-network with your chosen University of Utah Health plan. Always verify network participation before enrolling.

Can You Get Financial Help for University of Utah Health Plans in Clearfield?

Many Clearfield residents can significantly reduce the cost of their University of Utah Health insurance through financial assistance programs available via HealthCare.gov. Utah utilizes the federal marketplace, which offers two main types of subsidies:

Premium Tax Credits (PTCs): These subsidies lower your monthly premium. Eligibility is based on your household income and size, typically for incomes between 100% and 400% of the Federal Poverty Level (FPL). Enhanced subsidies, extended through 2025, mean that most families will pay no more than 8.5% of their household income for a benchmark Silver plan.
Cost-Sharing Reductions (CSRs): These subsidies help reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available to individuals and families with incomes up to 250% FPL who enroll in a Silver-tier plan.

For example, a single person in Clearfield earning $35,000 (around 250% FPL) would likely qualify for both premium tax credits and cost-sharing reductions, making a Silver plan much more affordable. When you apply through HealthCare.gov, your eligibility for these subsidies will be automatically determined.

Utah Medicaid and CHIP for Clearfield Residents

Utah has an expanded Medicaid program, which is a critical difference from some other states. Utah expanded Medicaid in 2020 through a ballot initiative (Proposition 3), meaning more Clearfield residents can qualify for low-cost or free health coverage. Adults: If your household income is up to 138% of the Federal Poverty Level, you may qualify for Utah Medicaid. For a single individual, this threshold is approximately $20,782 per year in 2024. Pregnant Women: Utah Medicaid covers pregnant women with household incomes up to 144% FPL, providing comprehensive prenatal care, labor and delivery, and postpartum support. Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL. This expanded eligibility means that Clearfield residents who might otherwise face a "coverage gap" in non-expansion states can access vital healthcare services. You can apply for Utah Medicaid and CHIP through the state's official portal at medicaid.utah.gov.

Health Insurance Carriers in Clearfield

Clearfield, located in Davis County, is part of Utah Rating Area 3. In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO options for residents:

BridgeSpan Health Company: Offers various HMO and EPO plans.
Regence BlueCross BlueShield of Utah: Provides a selection of HMO and EPO plans.
Select Health: A Utah-based insurer, offering a variety of HMO and EPO plans.
University of Utah Health Plans: Offers HMO and EPO plans, often with strong ties to the University of Utah Health system and its facilities.

Davis County, with a population of 370,924 per U.S. Census Bureau ACS 2024 5-year estimates, is served by these carriers, ensuring a competitive marketplace. Clearfield itself has a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, indicating a significant portion of residents may benefit from exploring these marketplace options. Major healthcare facilities in the county, such as Holy Cross Hospital-davis in Layton and Intermountain Health Layton Hospital, are important considerations when evaluating a carrier's network.

Choosing the Right University of Utah Health Plan in Clearfield

Selecting the best University of Utah Health plan for your needs involves considering several factors beyond just the monthly premium.

Factor	Consideration for University of Utah Health Plans
Network	Are your preferred doctors, specialists, and hospitals (like Holy Cross Hospital-davis or Intermountain Health Layton Hospital) in the University of Utah Health network for your chosen HMO or EPO plan?
Out-of-Pocket Costs	Beyond premiums, look at deductibles, copayments, and the out-of-pocket maximum. Higher deductibles often mean lower premiums, and vice-versa.
Prescription Coverage	Check the plan's formulary to ensure your necessary medications are covered and at what cost tier.
Tier Level (Bronze, Silver, Gold, Platinum)	Bronze: Lowest premiums, highest out-of-pocket costs. Good for those who rarely use medical services. Silver: Moderate premiums and out-of-pocket costs. Best if you qualify for Cost-Sharing Reductions. Gold/Platinum: Highest premiums, lowest out-of-pocket costs. Ideal for those who expect frequent medical care.
Subsidies	If your income is between 100-400% FPL, premium tax credits can significantly lower your monthly payment. If below 250% FPL, Silver plans offer enhanced cost-sharing reductions.

For individuals and families in Clearfield, Utah, with incomes up to 138% FPL, Utah Medicaid is likely the most comprehensive and affordable option. For those above this threshold but below 400% FPL, marketplace plans from University of Utah Health, especially Silver plans with subsidies, often provide excellent value.

Frequently Asked Questions

What types of plans does University of Utah Health offer in Clearfield, UT?

In Clearfield, which is part of Utah Rating Area 3, University of Utah Health typically offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are generally not available on-exchange in Utah. HMOs require you to choose a primary care provider within their network and get referrals for specialists, while EPOs offer more flexibility but still require you to stay within the network for covered care.

Can I get a subsidy for a University of Utah Health plan in Clearfield?

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 help reduce the cost of a University of Utah Health plan purchased through HealthCare.gov. Enhanced subsidies are available through 2025, significantly lowering monthly premiums for many Clearfield residents. You may also qualify for Cost-Sharing Reductions (CSRs) if your income is below 250% FPL, reducing deductibles, copayments, and out-of-pocket maximums.

Does Utah Medicaid cover pregnant women in Clearfield?

Yes, Utah Medicaid covers pregnant women with household incomes up to 144% of the Federal Poverty Level. This includes comprehensive prenatal care, labor and delivery, and postpartum care. Adults with incomes up to 138% FPL also qualify for standard Utah Medicaid, which expanded in 2020. You can apply for Utah Medicaid through the state's official portal at medicaid.utah.gov.

What hospitals in Davis County are in-network with University of Utah Health?

University of Utah Health Plans typically partner with a network of providers and hospitals, which may include facilities such as Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, and Intermountain Health Layton Hospital. It is crucial to verify specific in-network hospitals and providers for your chosen plan directly with University of Utah Health or through your plan's provider directory, as networks can vary by plan and year.