University of Utah Health Insurance Plans in Clinton, Utah
- University of Utah Health Plans is one of 4 carriers offering marketplace plans in Clinton, part of Utah Rating Area 3, for 2026.
- Clinton residents primarily have access to HMO and EPO plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
- The median household income in Clinton is $116,194, with an uninsured rate of 6.2% per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Plans Are Available in Clinton, Utah?
In Clinton, Utah, residents access their health insurance options through HealthCare.gov, the federal marketplace. For the 2026 plan year, shoppers in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, will find a selection of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not available on the exchange in Utah. HMO plans generally require you to choose a primary care provider (PCP) within the network and get referrals for specialists. EPO plans offer more flexibility in seeing specialists without a referral, but still require you to stay within the plan's network, except for emergencies. Understanding these network types is crucial for choosing a plan that aligns with your healthcare preferences and budget. Clinton, with a population of 23,612 and a median age of 33.0 years, is part of Davis County, which has an uninsured rate of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly lower than Clinton's specific uninsured rate of 6.2%. The median household income in Clinton is $116,194, indicating a strong local economy, but also highlighting the importance of understanding subsidy eligibility for those who qualify based on income relative to the Federal Poverty Level.Understanding University of Utah Health Plans in Clinton
University of Utah Health Plans is one of the key providers offering health insurance options to residents of Clinton and the broader Rating Area 3. As an academic medical center-affiliated insurer, University of Utah Health Plans typically integrates with the University of Utah Health system, which includes major hospitals and clinics across the state. While specific plan details for 2026 will be available during open enrollment, their offerings generally include various metal tiers (Bronze, Silver, Gold), each with different cost-sharing structures. When considering University of Utah Health Plans or any other carrier, it is important to evaluate the network of doctors, specialists, and hospitals. For residents of Clinton, local facilities like Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful, all located within Davis County, are important considerations for in-network care. Checking if your preferred providers are included in a plan's network is a critical step before enrolling.Eligibility for Subsidies and Medicaid in Utah
Utah has expanded its Medicaid program, a significant factor for many Clinton residents seeking affordable healthcare. Since 2020, adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it eliminates a "coverage gap" for low-income individuals. For those with incomes above the Medicaid threshold but below 400% FPL, federal subsidies (premium tax credits) are available through HealthCare.gov to help lower monthly premium costs. Cost-sharing reductions (CSRs) are also available for individuals with incomes up to 250% FPL who enroll in Silver-tier plans, which reduce out-of-pocket costs like deductibles, copayments, and coinsurance. Eligibility for these programs is based on household income and size. For example:| Income Level (as % FPL) | Health Insurance Option |
|---|---|
| Up to 138% FPL | Utah Medicaid (for adults) |
| Up to 144% FPL | Utah Medicaid (for pregnant women) |
| Up to 200% FPL | Children's Health Insurance Program (CHIP) |
| 138% FPL to 250% FPL | Marketplace plans with significant premium tax credits and Cost-Sharing Reductions (CSRs) on Silver plans |
| 250% FPL to 400% FPL | Marketplace plans with premium tax credits |
| Above 400% FPL | Marketplace plans (no premium tax credits, but may still be competitive) |
Health Insurance Carriers in Clinton
For 2026, four health insurance carriers offer marketplace plans in Utah Rating Area 3, which covers Clinton and other communities in Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans designed to meet diverse healthcare needs and budgets. The confirmed carriers for this rating area are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Making the Right Health Insurance Decision in Clinton
Choosing the right health insurance plan in Clinton, Utah, requires careful consideration of several factors, including your income, health needs, and preferred medical providers. Start by determining your eligibility for Utah Medicaid or federal marketplace subsidies. If your income is below 138% FPL, explore Utah Medicaid through medicaid.utah.gov. For those eligible for marketplace subsidies, compare plans across the available carriers—BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Pay close attention to the metal tier (Bronze, Silver, Gold), the network type (HMO or EPO), and the plan's deductible, copayments, and out-of-pocket maximum. If you anticipate frequent medical care, a Gold plan might offer better value despite higher premiums. If you qualify for Cost-Sharing Reductions, a Silver plan will provide the best overall value by reducing your out-of-pocket costs. A licensed health insurance producer can provide personalized assistance, helping you compare plans, verify provider networks, and enroll in coverage at no additional cost. Their expertise can simplify the enrollment process and ensure you select a plan that best fits your individual circumstances.Frequently Asked Questions
What types of health insurance plans are available in Clinton, Utah?
In Clinton, Utah, marketplace plans for 2026 are primarily offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.
Does Utah have expanded Medicaid?
Yes, Utah expanded Medicaid in 2020. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL through CHIP.
How many health insurance carriers offer plans in Clinton's rating area?
For 2026, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Clinton and other communities in Davis County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Where can I apply for health insurance in Clinton, Utah?
Residents of Clinton, Utah, can apply for health insurance plans, including those from University of Utah Health Plans, through the federal marketplace at HealthCare.gov. Licensed agents can also provide free assistance with enrollment and plan comparison.