University of Utah Health Insurance Plans in Herriman, UT

University of Utah Health Plans is one of 5 carriers offering marketplace plans in Herriman, UT (Rating Area 3) for 2026.
Herriman residents can choose between HMO and EPO plan types on HealthCare.gov; PPO plans are not available on-exchange in Utah.
Individuals with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which expanded in 2020.
Herriman, with a population of 59,346, has a low uninsured rate of 2.8% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Herriman, Utah, involves understanding the plans available through HealthCare.gov and local providers like University of Utah Health Plans. As one of the five confirmed carriers serving Utah Rating Area 3, which includes Herriman, University of Utah Health Plans offers a range of choices for individuals and families. The Utah marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in the state. If you reside in Herriman and are seeking coverage from University of Utah Health Plans, it's important to assess your subsidy eligibility, understand network structures, and compare plan benefits to find the best fit for your healthcare needs.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Are Your University of Utah Health Plan Options in Herriman?

For Herriman residents, University of Utah Health Plans provides a variety of coverage options through the federal HealthCare.gov marketplace. These plans are structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialist visits. EPO plans offer more flexibility in choosing specialists without a referral, but generally only cover services from providers within their specific network. When considering University of Utah Health Plans, you will find options across different metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs:

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage and are best suited for individuals who expect minimal healthcare use or who want to protect themselves from worst-case scenarios.
Silver Plans: Offering moderate premiums and out-of-pocket costs, Silver plans are a popular choice. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums if your income is between 100% and 250% of the Federal Poverty Level (FPL).
Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans come with lower deductibles and out-of-pocket costs. These plans are ideal for individuals who anticipate needing more frequent medical care and prefer to pay more upfront for more predictable costs throughout the year.
Platinum Plans: These plans have the highest monthly premiums but the lowest deductibles and out-of-pocket maximums, covering approximately 90% of healthcare costs on average. Platinum plans are best for those who require extensive medical services and want maximum predictability in their healthcare spending.

All plans, regardless of metal tier, must cover essential health benefits, including prescription drugs, mental health services, maternity care, and preventive services at no additional cost.

How Do Subsidies Affect University of Utah Health Plan Costs in Herriman?

Many Herriman residents may be eligible for financial assistance to make University of Utah Health Plans more affordable. These subsidies, known as Advanced Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), are available for plans purchased through HealthCare.gov. Advanced Premium Tax Credits (APTCs) help lower your monthly premium payments. 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 qualify for these credits. For example, a single individual in Herriman earning between approximately $14,580 and $58,320 annually in 2024 would likely be eligible for APTCs. Cost-Sharing Reductions (CSRs) are an additional form of assistance that can significantly reduce your out-of-pocket expenses, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are designed for those with incomes between 100% and 250% FPL. If you qualify for CSRs, a Silver plan will provide enhanced benefits, effectively acting like a Gold or Platinum plan at a Silver plan price. Herriman is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. This multi-county rating area ensures a consistent pricing structure for plans from University of Utah Health Plans and other carriers across these regions, though actual costs will vary based on age, tobacco use, and specific plan choice.

Health Insurance Carriers in Herriman

For the 2026 plan year, Herriman residents, located in Utah Rating Area 3, have access to plans from 5 confirmed health insurance carriers on HealthCare.gov. University of Utah Health Plans is one of these carriers, providing local options for comprehensive coverage. The full list of carriers available in this rating area includes:

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

These carriers offer a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, allowing residents to choose based on their preferred network of doctors and hospitals, as well as their budget and coverage needs. Herriman, with a population of 59,346, has a low uninsured rate of 2.8% per U.S. Census Bureau ACS 2024 5-year estimates. Salt Lake County, the parent county, is home to 10 acute care hospitals, including University of Utah Hospital and Clinics and Holy Cross Hospital - Salt Lake, providing extensive healthcare resources for residents within Rating Area 3.

Considering Utah Medicaid for Coverage in Herriman

Utah has expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), making it a viable option for many Herriman residents with lower incomes. If your household income is up to 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid. This means that adults who might otherwise fall into a "coverage gap" in non-expansion states can access comprehensive, low-cost health coverage. For a single individual, 138% FPL is approximately $20,120 per year (based on 2024 FPL guidelines). Utah Medicaid provides extensive benefits, often with no premiums or low out-of-pocket costs, covering doctor visits, hospital stays, prescription drugs, mental health services, and more. Additionally, Utah Medicaid offers specific programs for pregnant women and children. Pregnant women with household incomes up to 144% FPL (approximately $20,995 for a single pregnant woman) may qualify for pregnancy-specific Medicaid coverage, which includes prenatal care, labor and delivery, and postpartum care. The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households up to 200% FPL (approximately $29,160 for a single child household). Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal (medicaid.utah.gov).

Ready to Enroll? Get Your Free Quote Today

Choosing the right health insurance plan, especially from a specific carrier like University of Utah Health Plans, requires careful consideration of your budget, healthcare needs, and network preferences. Whether you're looking for an HMO or EPO plan, assessing your eligibility for subsidies, or understanding the benefits of different metal tiers, a licensed health insurance agent can provide personalized guidance at no cost to you. They can help you compare University of Utah Health Plans with other available options in Herriman, ensuring you make an informed decision that aligns with your specific situation.

Frequently Asked Questions

Are University of Utah Health Plans available on HealthCare.gov in Herriman?

Yes, University of Utah Health Plans is one of five carriers offering health insurance plans on HealthCare.gov in Herriman, which is part of Utah Rating Area 3, for the 2026 plan year.

What types of plans does University of Utah Health Plans offer in Herriman?

In Herriman, University of Utah Health Plans, like other marketplace carriers in Utah, offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Can I get a subsidy for University of Utah Health Plans in Herriman?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advanced Premium Tax Credits (APTCs) to lower your monthly premiums, and potentially Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs, for plans purchased through HealthCare.gov.

Does Utah have expanded Medicaid, and can Herriman residents qualify?

Yes, Utah expanded Medicaid in 2020. Adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which offers comprehensive health coverage.