University of Utah Health Insurance Plans in Moab, Utah

University of Utah Health Plans is one of two carriers offering marketplace coverage in Moab's Rating Area 6 for 2026.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for coverage.
PPO plans are not available on the HealthCare.gov marketplace in Utah; shoppers choose between HMO and EPO plans.
Moab, part of Grand County, has a population of 5,312 and an uninsured rate of 14.6%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Moab, Utah, requires understanding the local marketplace landscape, especially if you are considering plans from University of Utah Health Plans. For 2026, University of Utah Health Plans is one of two confirmed carriers offering health insurance coverage through the federal marketplace, HealthCare.gov, in Rating Area 6, which includes Moab and Grand County. This means residents can access subsidized plans from University of Utah Health Plans if they qualify based on income. Utah's expanded Medicaid program also provides a crucial safety net for lower-income individuals.

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What University of Utah Health Plans Are Available in Moab?

In Moab, as part of Utah's Rating Area 6, University of Utah Health Plans offers health insurance coverage through HealthCare.gov. For the 2026 plan year, marketplace shoppers in this region will find plans structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs). It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning all subsidy-eligible options will be HMO or EPO network types. University of Utah Health Plans provides a range of metal-tier plans (Bronze, Silver, Gold) designed to fit different budgets and healthcare needs, with varying levels of premiums, deductibles, and out-of-pocket costs.

Understanding Health Insurance Options and Eligibility in Moab

Moab residents have several avenues for obtaining health insurance, primarily through HealthCare.gov or Utah's Medicaid program. Eligibility for financial assistance to lower premium costs and out-of-pocket expenses is determined by household income relative to the Federal Poverty Level (FPL).

Marketplace Subsidies

For individuals and families with incomes between 100% and 400% FPL, premium tax credits are available to reduce the monthly cost of marketplace plans, including those from University of Utah Health Plans. Additionally, those earning up to 250% FPL may qualify for cost-sharing reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable.

Utah Medicaid and CHIP

Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% FPL to qualify for comprehensive, low-cost health coverage through Utah Medicaid. This is a significant difference from states without expansion, ensuring that more low-income residents have access to care without a coverage gap. Pregnant women in Utah can qualify for Medicaid with incomes up to 144% FPL. For children, the Children's Health Insurance Program (CHIP) covers those in households up to 200% FPL. Enrollment for Utah Medicaid and CHIP can be done through the state's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in Moab

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 are the confirmed options for residents seeking subsidized health insurance through HealthCare.gov:

Select Health: A prominent regional insurer offering a variety of HMO and EPO plans.
University of Utah Health Plans: Known for its connection to the University of Utah Health system, providing access to its network of providers and facilities.

When selecting a plan, it is crucial to compare network access, drug formularies, and overall costs to ensure the plan meets your specific healthcare needs.

Local Healthcare Context in Grand County

Moab is located in Grand County, which has a population of 9,754 and an uninsured rate of 10.9%, per U.S. Census Bureau ACS 2024 5-year estimates. The city of Moab itself has a population of 5,312 and an uninsured rate of 14.6%. Grand County is unique in that it has no acute care hospitals within its boundaries. Residents needing acute care services typically travel to neighboring counties. This makes understanding your plan's network and out-of-area coverage particularly important when living in Moab. University of Utah Health Plans, through its network, aims to provide access to necessary medical services for its members, even if it requires travel to facilities outside of Grand County.

Choosing the Right Health Plan in Moab

Selecting the best health plan for your needs in Moab involves considering your income, health status, and preferred providers.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply through medicaid.utah.gov for comprehensive coverage.
If your income is between 100% and 250% FPL: Consider a Silver plan on HealthCare.gov. With cost-sharing reductions, these plans offer significant savings on deductibles, copayments, and out-of-pocket maximums, in addition to premium tax credits.
If your income is above 250% FPL: Compare Bronze, Silver, and Gold plans from University of Utah Health Plans and Select Health. Bronze plans have lower premiums but higher out-of-pocket costs, suitable for those who anticipate minimal healthcare use. Gold plans offer higher premiums but lower out-of-pocket costs, ideal for those expecting more frequent medical care.

A licensed health insurance producer can provide free, personalized guidance to help you compare plans and enroll in the best option for your situation.

Frequently Asked Questions

Are PPO plans available on HealthCare.gov in Moab?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Moab. Marketplace shoppers in Rating Area 6 choose between HMO and EPO network structures. PPOs may be available off-marketplace, but without subsidies.

What is the income limit for Utah Medicaid in Moab?

Adults in Utah, including Moab, with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is due to Utah's Medicaid expansion in 2020. For a single individual, this was approximately $20,782 annually in 2023.

Which health insurance carriers offer plans in Moab, Utah?

For 2026, two carriers offer marketplace plans in Rating Area 6, which includes Moab: Select Health and University of Utah Health Plans. These are the confirmed options for subsidized coverage through HealthCare.gov.

Can I get help paying for University of Utah Health plans?

Yes, if your household income is between 100% and 400% FPL, you may qualify for premium tax credits to lower your monthly payments for University of Utah Health plans purchased through HealthCare.gov. Cost-sharing reductions are also available for those earning up to 250% FPL, reducing out-of-pocket costs on Silver plans.