University of Utah Health Insurance Plans in Hurricane, UT

Q: What types of plans does University of Utah Health offer in Hurricane?

In Hurricane, University of Utah Health offers marketplace plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.

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

University of Utah Health is one of 3 carriers offering marketplace plans in Hurricane's Rating Area 5 for 2026.
Plans are offered as HMO and EPO networks; PPO plans are not available on the HealthCare.gov marketplace in Utah.
Individuals and families in Hurricane may qualify for subsidies if household income is between 100% and 400% FPL.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL via CHIP.

Navigating health insurance options in Hurricane, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace for Utah. For 2026, University of Utah Health is a confirmed carrier offering plans in Rating Area 5, which includes Hurricane. These plans provide coverage primarily through Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks, as PPO plans are not offered on-exchange in Utah. Residents may be eligible for significant financial assistance, known as premium tax credits and cost-sharing reductions, depending on their household income and family size. It's crucial to compare plan benefits, network providers, and out-of-pocket costs to find the best fit for your healthcare needs and budget in Hurricane.

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What Health Insurance Options Does University of Utah Health Offer in Hurricane?

In Hurricane, Utah, University of Utah Health offers health insurance plans exclusively through the HealthCare.gov marketplace. For the 2026 plan year, their offerings in Rating Area 5 are structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. This means that when you choose a University of Utah Health plan, your care will typically be coordinated through a primary care provider (PCP) within their network, and referrals may be required for specialists (HMO) or you'll need to stay within network for all care (EPO). It is important to note that PPO (Preferred Provider Organization) plans are not available on the HealthCare.gov marketplace in Utah. Therefore, Hurricane residents seeking subsidized coverage will select from HMO or EPO options. These plans cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and maternity care, as mandated by the Affordable Care Act (ACA).

Understanding Subsidies and Affordability for Hurricane Residents

Many Hurricane residents can significantly reduce their health insurance costs through financial assistance available via HealthCare.gov. These subsidies come in two main forms:

Premium Tax Credits (APTC): These credits lower your monthly premium payment. Eligibility is based on household income, typically for those earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): Available to individuals and families with incomes up to 250% FPL, CSRs reduce out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan.

For Hurricane residents, understanding these subsidies is key to making coverage affordable. For example, a family of four with an income of $80,000 (approximately 267% FPL in 2026) would likely qualify for substantial premium tax credits, making a University of Utah Health plan much more affordable than the sticker price.

2026 Federal Poverty Level (FPL) Guidelines for Utah (Estimated)
Household Size	100% FPL	138% FPL (Medicaid Expansion)	250% FPL (Max CSRs)	400% FPL (Max APTC)
1	$15,060	$20,783	$37,650	$60,240
2	$20,440	$28,207	$51,100	$81,760
3	$25,820	$35,631	$64,550	$103,280
4	$31,200	$43,056	$78,000	$124,800
5	$36,580	$50,480	$91,450	$146,320

Note: FPL figures are estimates for 2026 and are subject to change. Actual subsidy eligibility is determined by HealthCare.gov.

Utah Medicaid and CHIP Eligibility in Hurricane

Utah expanded Medicaid in 2020 through a ballot initiative, making coverage available to more low-income adults. In Hurricane, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, as it ensures a path to affordable healthcare for many low-income residents. Beyond standard adult Medicaid, specific programs exist for other vulnerable populations:

Pregnant Women Medicaid: Covers pregnant women with incomes up to 144% FPL, providing extensive prenatal, delivery, and postpartum care. This threshold is among the lowest pregnancy-specific thresholds in the production states.
CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Applications for Utah Medicaid and CHIP can be submitted through the Utah's Medicaid portal (medicaid.utah.gov) or HealthCare.gov.

Health Insurance Carriers in Hurricane

Hurricane, Utah, is part of Utah Rating Area 5, which also covers Iron County. In 2026, 3 carriers offer marketplace plans in Rating Area 5:

Molina Healthcare
Select Health
University of Utah Health Plans

When selecting a plan from University of Utah Health or any other carrier, it is important to review their specific network of doctors, specialists, and hospitals. Washington County's 1 acute care hospital, St. George Regional Hospital, serves a population of 196,431 with an uninsured rate of 11.1%, per U.S. Census Bureau ACS 2024 5-year estimates. This is slightly higher than Hurricane's city-level uninsured rate of 9.7% for its 22,771 residents. Always confirm that your preferred healthcare providers are included in the plan's network before enrolling.

Choosing the Right University of Utah Health Plan in Hurricane

Selecting the best health insurance plan involves balancing monthly premiums with potential out-of-pocket costs and access to preferred providers. Here's a decision framework for Hurricane residents considering University of Utah Health:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This offers comprehensive coverage with minimal or no out-of-pocket costs. Apply directly through medicaid.utah.gov.
If your income is between 100% and 250% FPL: Consider a Silver-tier plan from University of Utah Health. These plans are the only ones eligible for Cost-Sharing Reductions (CSRs), which significantly lower your deductibles, copays, and out-of-pocket maximums, in addition to premium tax credits.
If your income is between 250% and 400% FPL: You may still qualify for substantial premium tax credits. Compare Bronze, Silver, and Gold plans. Bronze plans have lower premiums but higher deductibles, suitable if you expect minimal healthcare use. Gold plans have higher premiums but lower out-of-pocket costs, ideal if you anticipate frequent medical care.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still enroll in a University of Utah Health plan through HealthCare.gov or explore off-marketplace options. Focus on finding a plan with a network that includes your preferred doctors and facilities like St. George Regional Hospital, and a deductible that aligns with your financial comfort.

Regardless of your income, carefully review the Summary of Benefits and Coverage (SBC) for any University of Utah Health plan you consider. Pay close attention to the deductible, copayments for common services, coinsurance, and the out-of-pocket maximum.

Frequently Asked Questions

What types of plans does University of Utah Health offer in Hurricane?

University of Utah Health offers marketplace plans in Hurricane with HMO and EPO network structures through HealthCare.gov for the 2026 plan year. PPO plans are not available on-exchange in Utah.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs. Individuals with income up to 138% FPL may qualify for Utah Medicaid.

How does University of Utah Health coverage work with local hospitals?

University of Utah Health plans typically include a network of providers and facilities. In Washington County, St. George Regional Hospital is the primary acute care hospital. Always verify that specific doctors and facilities, including St. George Regional Hospital, are in-network with your chosen University of Utah Health plan before receiving care.

Is University of Utah Health available throughout Washington County?

Yes, University of Utah Health is one of three carriers confirmed to offer plans in Utah Rating Area 5, which covers both Washington and Iron counties. This means their marketplace plans are available to eligible residents across Washington County, including Hurricane.