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

University of Utah Health Insurance Plans in Highland, UT

University of Utah Health is one of five carriers offering marketplace plans in Highland, UT, for the 2026 plan year.
Highland is part of Utah Rating Area 4, which is a single-county rating area.
Utah's individual marketplace offers HMO and EPO plans; PPO plans are not available on-exchange.
Adults in Utah may qualify for Medicaid with household incomes up to 138% of the Federal Poverty Level.

Navigating health insurance options in Highland, Utah, involves understanding the specific plans available through carriers like University of Utah Health on the federal marketplace, HealthCare.gov. For 2026, Highland residents can choose from five confirmed health insurance carriers in Rating Area 4, including University of Utah Health, all offering a range of HMO and EPO plans. Unlike some other states, PPO plans are not available on-exchange in Utah, meaning your primary choice will be between these two network structures. Depending on your household income, you may qualify for significant financial assistance in the form of premium tax credits and cost-sharing reductions to make your University of Utah Health plan more affordable.

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What Health Insurance Plans Does University of Utah Health Offer in Highland?

University of Utah Health offers a variety of health insurance plans designed to meet the needs of Highland residents. These plans are available through HealthCare.gov, the federal marketplace for Utah. When selecting a plan, it is important to consider the network type, cost-sharing structure, and whether your preferred doctors and hospitals are in-network. University of Utah Health provides plans with different deductible, copay, and coinsurance levels across the Bronze, Silver, Gold, and Platinum metal tiers, allowing you to balance monthly premiums with out-of-pocket costs. All plans available on HealthCare.gov, including those from University of Utah Health, cover the ten essential health benefits mandated by the Affordable Care Act (ACA). These include emergency services, hospitalization, prescription drugs, maternity and newborn care, mental health and substance use disorder services, and preventive care. Preventive services, such as annual check-ups and immunizations, are covered at no additional cost when received from an in-network provider.

Understanding Health Plan Types in Utah

In Utah, the individual health insurance marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. This means that when choosing a University of Utah Health plan, you will likely be selecting an HMO or EPO network structure.

HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. HMOs generally have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside the network.
EPO (Exclusive Provider Organization): EPO plans offer a bit more flexibility than HMOs as they usually do not require a PCP referral to see a specialist. However, they still limit coverage to providers within the plan's network, except in emergencies. If you go outside the network for non-emergency care, you will likely pay the full cost.

University of Utah Health plans will operate within these frameworks, so it is important to verify which hospitals and doctors are part of their specific network to ensure continuity of care, especially if you have existing relationships with providers in Utah County.

Medicaid and CHIP Eligibility in Highland, UT

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), which significantly broadened eligibility for low-income adults. This means that residents of Highland, Utah, may qualify for Utah Medicaid if their household income is up to 138% of the Federal Poverty Level (FPL). This expansion ensures that many individuals and families who would otherwise struggle to afford coverage can access comprehensive health benefits at little to no cost. For specific populations, Utah offers even higher income thresholds:

Pregnant Women: Pregnant women in Utah can qualify for Medicaid with household incomes up to 144% FPL. This coverage includes prenatal care, labor and delivery, and postpartum care.
Children (CHIP): The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL.

If your income falls within these ranges, applying for Utah Medicaid or CHIP through medicaid.utah.gov may be your best option for affordable, comprehensive coverage. This is a critical distinction from states that have not expanded Medicaid, where a "coverage gap" can exist for those below 100% FPL.

Health Insurance Carriers in Highland

Highland, Utah, is located in Utah Rating Area 4, which is a single-county rating area encompassing all of Utah County. In 2026, 5 carriers offer marketplace plans in Rating Area 4, providing residents with multiple options for their health coverage. These carriers include:

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

When comparing plans from these carriers, consider factors such as network size, specific providers covered, prescription drug formularies, and overall out-of-pocket costs. An agent can help you compare plans side-by-side to find the best fit for your healthcare needs and budget. Utah County, with a population of 705,400 per U.S. Census Bureau ACS 2024 5-year estimates, is served by six acute care hospitals, including Intermountain Health Utah Valley Hospital in Provo and American Fork Hospital in American Fork. Residents of Highland, a city with a population of 20,119 and a median income of $186,075 per U.S. Census Bureau ACS 2024 5-year estimates, have access to these facilities through the networks of the confirmed local carriers. The uninsured rate in Highland is 4.4%, significantly lower than the Utah County average of 7.5%.

Making Your Health Insurance Decision in Highland

Choosing the right health insurance plan in Highland requires a careful evaluation of your individual or family's healthcare needs, financial situation, and preferred providers. Here's a guide to help you navigate your options:

Assess Your Income: Your household income is the primary determinant of eligibility for financial assistance.
- If your income is below 138% FPL, explore Utah Medicaid through medicaid.utah.gov.
- If your income is between 100% and 400% FPL, you will likely qualify for Advanced Premium Tax Credits (APTCs) through HealthCare.gov to reduce your monthly premiums.
- If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which lower your deductibles, copays, and out-of-pocket maximums.
Consider Your Healthcare Needs:
- If you anticipate frequent doctor visits or have chronic conditions, a Gold or Platinum plan might be a better value despite higher premiums, as they have lower deductibles and out-of-pocket costs.
- If you are relatively healthy and primarily want coverage for emergencies, a Bronze plan with lower premiums might be suitable, but be prepared for higher out-of-pocket costs before your deductible is met.
- If you are eligible for CSRs, a Silver plan often provides the best balance of premium and cost-sharing, making it a strong choice.
Check Networks and Providers: Since Utah's marketplace offers HMO and EPO plans, confirming that your preferred doctors, specialists, and hospitals in Utah County are in-network for any University of Utah Health plan you consider is crucial. You can usually find provider directories on the carrier's website.

A licensed health insurance agent can provide personalized guidance, helping you compare University of Utah Health plans with other carriers available in Highland, verify provider networks, and estimate your potential subsidies, all at no cost to you.

Frequently Asked Questions

Can I get University of Utah Health plans through HealthCare.gov in Highland?

Yes, University of Utah Health is one of five carriers offering marketplace plans in Utah Rating Area 4, which includes Highland, for the 2026 plan year. You can enroll in their plans through HealthCare.gov during open enrollment or a special enrollment period.

What plan types does University of Utah Health offer in Highland?

In Highland, and throughout Utah, the individual health insurance marketplace offers HMO and EPO plans. PPO plans are not available on-exchange in Utah. University of Utah Health offers plans within the available HMO and EPO network structures.

What are the income limits for Utah Medicaid in Highland?

Utah expanded Medicaid in 2020. Adults in Highland may qualify for Utah Medicaid if their household income is up to 138% of the Federal Poverty Level (FPL). For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL.

Do subsidies apply to University of Utah Health plans?

Yes, if you qualify based on your household income and size, you can receive Advanced Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs) to lower the cost of University of Utah Health plans purchased through HealthCare.gov. These subsidies are available for those earning between 100% and 400% FPL, with CSRs specifically for Silver plans between 100% and 250% FPL.