University of Utah Health Insurance Plans in Kane County, Utah

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

In 2026, residents of Kane County have access to two carriers offering marketplace plans, including University of Utah Health Plans.
Utah is a Medicaid expansion state, meaning adults with incomes up to 138% of the Federal Poverty Level qualify for coverage.
Kane County's uninsured rate is 5.3%, significantly lower than the state average, according to U.S. Census Bureau ACS 2024 5-year estimates.
Marketplace plans in Utah offer HMO and EPO network types; PPO plans are not available for subsidized coverage on HealthCare.gov.

Navigating health insurance options in Kane County, Utah, involves understanding the specific plans available through carriers like University of Utah Health Plans, as well as state and federal programs. As part of Utah Rating Area 6, residents have access to marketplace plans designed to meet various needs and budgets. This guide focuses on how University of Utah Health Plans fits into the local landscape, covering plan types, eligibility for financial assistance, and how to enroll to ensure you have comprehensive coverage in this scenic corner of Utah.

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What Health Insurance Options Are Available in Kane County?

Residents of Kane County seeking health insurance have several avenues for coverage, primarily through the federal HealthCare.gov marketplace. Utah operates as a federally facilitated marketplace (FFM), which simplifies the application process for subsidies. For 2026, two carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. These carriers include University of Utah Health Plans and Select Health. When selecting a plan, it is important to note that Utah's marketplace primarily offers HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange for subsidized coverage in Utah. This means consumers in Kane County will choose between plans that typically require selecting a primary care provider and obtaining referrals (HMO) or plans that offer more flexibility within a defined network without referrals (EPO).

Understanding University of Utah Health Plans in Kane County

University of Utah Health Plans is one of the two confirmed carriers offering health insurance options through HealthCare.gov in Kane County for the 2026 plan year. As a major health system in the state, University of Utah Health Plans provides a range of plans across the metal tiers (Bronze, Silver, Gold), each designed to balance monthly premiums with out-of-pocket costs. Bronze plans typically have lower premiums and higher deductibles, suitable for those who anticipate minimal medical care or prefer lower monthly costs. Silver plans offer a moderate balance, and are the only plans eligible for Cost-Sharing Reductions (CSRs) for qualifying individuals. Gold plans come with higher premiums but lower deductibles and out-of-pocket maximums, ideal for those who expect to use medical services frequently. When considering a plan from University of Utah Health Plans, it is important to review the specific network of doctors, specialists, and facilities. While Kane County itself does not have acute care hospitals, University of Utah Health Plans offers networks that include providers and hospitals in neighboring counties and across the state. This ensures residents can access necessary medical services, even if they need to travel for specialized care.

How Do Subsidies and Medicaid Work in Kane County?

Financial assistance is available to make health insurance more affordable for many Kane County residents. The federal government offers two main types of subsidies through HealthCare.gov:

Premium Tax Credits (PTC): These credits reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL). Under current law, individuals and families earning above 100% FPL, and up to 400% FPL (and even higher with expanded eligibility under the Inflation Reduction Act), may qualify.
Cost-Sharing Reductions (CSR): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are specifically for individuals and families with incomes between 100% and 250% FPL.

Utah is an important example of a state that has expanded its Medicaid program. In 2020, Utah expanded Medicaid, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify for comprehensive, low-cost or free health coverage. This is a critical distinction from states that have not expanded Medicaid, as it ensures a continuous path to affordable coverage for lower-income individuals. For pregnant women in Kane County, Utah Medicaid covers those with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care. Children in households up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Kane County

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which includes Kane County. These carriers provide a range of HMO and EPO plans to choose from, with varying networks and cost structures.

Select Health: A prominent health plan provider in Utah, Select Health offers a variety of plans, including those with HMO and EPO structures. Their network provides access to numerous healthcare providers and facilities throughout Utah, including those accessible to Kane County residents.
University of Utah Health Plans: As discussed, University of Utah Health Plans offers comprehensive coverage options, leveraging the extensive resources of the University of Utah Health system. Their plans focus on integrated care and provide access to a broad network of affiliated providers.

Residents should compare the specific plan offerings from both Select Health and University of Utah Health Plans on HealthCare.gov to find the best fit for their healthcare needs and budget. Considerations should include monthly premiums, deductibles, copayments, coinsurance, and the specific doctors and hospitals included in each plan's network.

Making an Informed Decision About Your Health Coverage in Kane County

Choosing the right health insurance plan in Kane County requires a careful assessment of your income, health needs, and preferences for plan structure. Kane County, with a population of 8,170 and a median income of $77,092, has an uninsured rate of 5.3% per U.S. Census Bureau ACS 2024 5-year estimates. While this rate is relatively low, it highlights the ongoing need for accessible and affordable health coverage. Kane County itself has no acute care hospitals, meaning residents needing hospital services will travel to neighboring counties. Both University of Utah Health Plans and Select Health offer networks that include facilities outside of Kane County, making network access a key consideration. Here's a decision guide to help:

Your Situation	Recommended Action	Key Consideration
Income below 138% FPL (e.g., ~$20,120 for an individual)	Apply for Utah Medicaid through medicaid.utah.gov.	You likely qualify for comprehensive, low-cost coverage.
Income 100%–400%+ FPL (subsidy eligible)	Shop on HealthCare.gov and apply for Premium Tax Credits.	You may significantly reduce your monthly premiums.
Income 100%–250% FPL, want lower out-of-pocket costs	Choose a Silver-tier plan on HealthCare.gov.	Only Silver plans are eligible for Cost-Sharing Reductions, which lower deductibles and copays.
Prioritize specific doctors or hospitals	Verify network compatibility with University of Utah Health Plans or Select Health.	Ensure your preferred providers are in-network for the plan you choose.
Anticipate frequent medical care	Consider Gold-tier plans for lower out-of-pocket costs.	Higher premiums but lower costs when you use services.
Prefer lower monthly premiums, healthy	Explore Bronze-tier plans for catastrophic coverage.	Lower premiums, but higher deductibles before coverage kicks in.

A licensed health insurance producer can provide personalized guidance, helping you compare plans from University of Utah Health Plans and Select Health, understand subsidy eligibility, and navigate the enrollment process on HealthCare.gov, all at no cost to you.

Frequently Asked Questions

Can I get University of Utah Health plans with a subsidy in Kane County?

Yes, if your income falls within the federal poverty level guidelines, you may qualify for subsidies (premium tax credits and cost-sharing reductions) to lower your monthly premiums and out-of-pocket costs on plans offered by University of Utah Health Plans and other carriers through HealthCare.gov in Kane County, Utah.

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

In Kane County, University of Utah Health Plans offers health insurance plans with either HMO (Health Maintenance Organization) or EPO (Exclusive Provider Organization) network structures. PPO plans are not available on the HealthCare.gov marketplace in Utah, so your choice will be between HMO and EPO options.

Is Medicaid available in Kane County, Utah?

Yes, Utah expanded Medicaid in 2020. Adults in Kane County with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL. You can apply through medicaid.utah.gov.

Are there hospitals in Kane County?

Kane County does not have any acute care hospitals within its boundaries. Residents needing acute care services typically travel to neighboring counties for treatment. Both University of Utah Health Plans and Select Health offer networks that include facilities outside of Kane County.