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

University of Utah Health Insurance Plans in Davis County, Utah

University of Utah Health Plans is one of 4 carriers offering marketplace health insurance in Davis County for 2026.
All marketplace plans in Davis County are either HMO or EPO; PPO plans are not available on-exchange in Utah.
Utah expanded Medicaid in 2020, making adults with income up to 138% of the Federal Poverty Level eligible for coverage.
Davis County is part of Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties.

For residents of Davis County, Utah, seeking health insurance, University of Utah Health Plans offers marketplace options through HealthCare.gov. As one of four carriers serving Rating Area 3 in 2026, University of Utah Health provides plans designed to meet various needs and budgets. These plans adhere to the Affordable Care Act (ACA) guidelines, meaning they cover essential health benefits and cannot deny coverage based on pre-existing conditions. Understanding your options, including potential subsidies and network structures like HMOs and EPOs, is key to finding the right coverage for you and your family in Davis County.

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Understanding University of Utah Health Plans in Davis County

University of Utah Health Plans is a significant provider in the Utah health insurance marketplace, offering various plans to individuals and families in Davis County. In 2026, as part of Rating Area 3, University of Utah Health Plans participates alongside three other confirmed local carriers. All plans available on the Utah marketplace, including those from University of Utah Health, are structured as either Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) networks. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your choice will focus on plans that typically require you to select a primary care provider (PCP) and obtain referrals for specialists (HMOs), or plans that offer more flexibility within a defined network without requiring a PCP (EPOs). The population of Davis County stands at 370,924, with a median age of 32.5 years, according to U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate is 5.7%, which is lower than the state average, indicating a significant portion of residents already have coverage. For those still seeking plans, University of Utah Health provides options that integrate with local healthcare facilities. Davis County is home to four acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful, which are part of the broader healthcare landscape that carriers like University of Utah Health Plans may partner with.

Navigating the ACA Marketplace and Subsidies in Utah

The primary way to enroll in a University of Utah Health Plan, or any other ACA-compliant plan in Davis County, is through HealthCare.gov, the federal marketplace. The marketplace provides a platform to compare plans, check your eligibility for financial assistance, and enroll. Financial assistance is a critical component of making health insurance affordable. There are two main types of subsidies available:

Advance Premium Tax Credits (APTC): These credits reduce your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for APTC.
Cost-Sharing Reductions (CSRs): These subsidies help reduce your out-of-pocket costs, such as deductibles, co-payments, and co-insurance. CSRs are only available on Silver-tier plans and are typically for individuals and families with incomes up to 250% FPL.

For example, a single person in Davis County earning $35,000 (approximately 250% FPL) would likely qualify for both APTC and CSRs, significantly lowering both their monthly premiums and their costs when they use medical services.

Utah Medicaid and CHIP Eligibility in Davis County

Unlike some other states, Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that more low-income adults in Davis County now have access to comprehensive health coverage. Key Medicaid and CHIP eligibility thresholds for Utah are:

Adults: Individuals with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a crucial difference from states without expansion, where many low-income adults fall into a "coverage gap."
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring access to essential healthcare services for younger residents.

With a poverty rate of 6.4% in Davis County, many residents may find that they qualify for these vital programs, offering a robust safety net for healthcare needs.

Health Insurance Carriers in Davis County

For the 2026 plan year, residents of Davis County have several choices when seeking health insurance through HealthCare.gov. Davis County is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

These carriers offer a range of HMO and EPO plans across different metal tiers (Bronze, Silver, Gold, Platinum). When choosing a plan, it is essential to compare not just premiums, but also deductibles, co-pays, and the specific provider networks each carrier offers to ensure your preferred doctors and hospitals are included.

Choosing the Right Plan in Davis County

Selecting the best health insurance plan depends on your individual health needs, financial situation, and preferred access to care. Here's a decision-making framework:

Your Situation	Recommended Action
Household income under 138% FPL	Apply for Utah Medicaid immediately. You likely qualify for comprehensive, low-cost coverage.
Household income 138% - 250% FPL	Explore Silver plans on HealthCare.gov. You're eligible for significant premium tax credits (APTC) and cost-sharing reductions (CSRs), making Silver plans very affordable with lower out-of-pocket costs.
Household income 250% - 400% FPL	Consider Bronze, Silver, or Gold plans. You're eligible for APTC, reducing your monthly premiums. Silver plans offer a good balance of premium and out-of-pocket costs, while Gold plans have higher premiums but lower costs when you receive care.
Household income over 400% FPL	Compare Bronze, Silver, and Gold plans on HealthCare.gov. You will pay the full premium, but can still benefit from the consumer protections and standardized benefits of ACA plans. Focus on network, deductibles, and co-pays.
Need extensive medical care	Look at Gold or Platinum plans, which have higher premiums but lower deductibles and out-of-pocket maximums, saving you money if you expect many medical expenses.
Generally healthy, prefer low premiums	Consider Bronze or Catastrophic plans (if under 30 or qualify for a hardship exemption). These have lower premiums but high deductibles, suitable for covering unexpected major medical events.

Davis County, with its population of 370,924 and median income of $110,884, offers a diverse range of needs. The four hospitals in the county, including Intermountain Health Layton Hospital, provide a strong foundation for local healthcare access. An independent licensed health insurance producer can help you compare specific plans from University of Utah Health Plans and other carriers, ensuring you select one that aligns with your financial and health goals. Their assistance is typically free to you.

Frequently Asked Questions

What types of plans does University of Utah Health offer in Davis County?

University of Utah Health, like other carriers on the Utah marketplace, primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah for 2026. These plans emphasize coordinated care within a specific network.

Can I get a subsidy for University of Utah Health plans in Davis County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (APTC) to reduce your monthly premiums. Cost-sharing reductions (CSRs) are also available for those earning up to 250% FPL, reducing out-of-pocket costs on Silver plans.

Are University of Utah Health plans available throughout Davis County?

University of Utah Health Plans is one of four carriers offering coverage in Rating Area 3, which includes Davis County, along with Salt Lake, Summit, Tooele, and Wasatch counties. This means their plans are generally available to residents across Davis County, from Bountiful to Layton.

What are the income limits for Utah Medicaid in Davis County?

Utah expanded Medicaid in 2020. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women can qualify with income up to 144% FPL, and children up to 200% FPL for CHIP.