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

University of Utah Health Insurance in Murray, UT

University of Utah Health Plans is one of 5 carriers offering marketplace plans in Murray's Rating Area 3 for 2026.
Utah uses the federal HealthCare.gov marketplace, offering HMO and EPO plan types; PPO plans are not available on-exchange.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.
Murray, located in Salt Lake County, has a population of 50,188 and an uninsured rate of 7.1%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in Murray, Utah, particularly when considering a specific provider like University of Utah Health Plans, involves understanding the local marketplace and available plan types. For 2026, residents of Murray, which is part of Utah Rating Area 3, have access to five confirmed carriers on the federal HealthCare.gov marketplace, including University of Utah Health Plans. These plans are structured as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks, as PPO plans are not offered on-exchange in Utah. Understanding your eligibility for subsidies, plan costs, and network access is crucial for making an informed decision.

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

For 2026, University of Utah Health Plans is a prominent carrier offering individual and family health insurance plans through HealthCare.gov in Murray. As Murray is located within Rating Area 3, which encompasses Davis, Salt Lake, Summit, Tooele, and Wasatch counties, residents can select from a range of plans provided by this carrier. The marketplace in Utah primarily features HMO and EPO plan structures. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPO plans offer more flexibility to see specialists without a referral, as long as they are within the plan's network. PPO plans are not available through the state's marketplace. Choosing a plan from University of Utah Health Plans means gaining access to their extensive network of hospitals and clinics. Salt Lake County, where Murray is located, is home to 10 hospitals, including the major University of Utah Hospital and Clinics in Salt Lake City, and Intermountain Medical Center right in Murray. This provides residents with comprehensive access to care within their local community and the broader Salt Lake County area.

How Does Utah's Expanded Medicaid Affect Coverage in Murray?

Utah expanded its Medicaid program in 2020 via a ballot initiative (Proposition 3), a significant difference from some other states. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual, this threshold means that if your income is below this level, you may be eligible for comprehensive, low-cost or no-cost health coverage through Utah Medicaid. Unlike states without expansion, there is no "coverage gap" where individuals earn too much for Medicaid but too little for marketplace subsidies. Specific Medicaid programs in Utah also provide crucial support for vulnerable populations:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL, providing essential prenatal care, labor and delivery, and postpartum support. Applications can be made through Utah's Medicaid portal (medicaid.utah.gov).
Children's Health Insurance Program (CHIP): Uninsured children in families with incomes up to 200% FPL can qualify for CHIP, ensuring access to necessary medical services.

These programs are vital for many Murray residents, particularly given the city's population of 50,188 and a poverty rate of 6.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

Health Insurance Carriers in Murray

In 2026, five carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. This ensures that Murray residents have a competitive selection of options when choosing their health insurance through HealthCare.gov. The confirmed carriers for this rating area are:

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

Each of these carriers provides various HMO and EPO plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing individuals and families to choose a plan that best fits their budget and healthcare needs. It is important to compare network coverage, deductibles, out-of-pocket maximums, and prescription drug formularies when making your selection.

Choosing the Right University of Utah Health Plan for You

Selecting the ideal health plan requires a careful assessment of your individual or family's healthcare needs, financial situation, and preferred access to providers. When considering University of Utah Health Plans in Murray, here are some key steps and considerations:

Assess Your Income: Your household income will determine your eligibility for premium tax credits and cost-sharing reductions (CSRs). Subsidies are available for individuals and families with incomes between 100% and 400% FPL, making marketplace plans more affordable. If your income is below 138% FPL, you may qualify for Utah Medicaid.
Understand Plan Types: Decide whether an HMO or EPO plan best suits your needs. If you value having a primary care physician coordinate your care and provide referrals, an HMO might be a good fit. If you prefer more flexibility to see specialists without referrals, an EPO could be preferable, provided the specialists are within the plan's network. Remember, PPO plans are not available on-exchange in Utah.
Consider Metal Tiers:
- Bronze plans have the lowest monthly premiums but the highest deductibles and out-of-pocket costs, suitable for those who anticipate minimal healthcare use.
- Silver plans offer moderate premiums and out-of-pocket costs. If you qualify for cost-sharing reductions (available to those with incomes up to 250% FPL), Silver plans can provide significant savings on deductibles, copayments, and coinsurance.
- Gold plans have higher monthly premiums but lower deductibles and out-of-pocket costs, ideal for those who expect to use medical services frequently.
Check Provider Networks: Confirm that your preferred doctors, specialists, and facilities, particularly within the University of Utah Health system, are included in the plan's network. This is especially important for EPO and HMO plans.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in a plan that meets your specific requirements, all at no cost to you.

Frequently Asked Questions

Can I get University of Utah Health plans if I live in Murray?

Yes, University of Utah Health Plans is one of five carriers offering marketplace health insurance plans in Rating Area 3, which includes Murray and Salt Lake County, for the 2026 plan year.

What types of plans does University of Utah Health offer on HealthCare.gov?

In Utah, marketplace plans are structured as HMO and EPO networks. University of Utah Health Plans, like other carriers in the state, offers plans within these network types on HealthCare.gov. PPO plans are not available on-exchange in Utah.

When can I enroll in a University of Utah Health plan?

Enrollment typically occurs during the annual Open Enrollment Period, which runs from November 1st to January 15th each year for coverage starting the following year. You may also qualify for a Special Enrollment Period if you experience a qualifying life event, such as losing other coverage, getting married, or having a baby.

Does Utah Medicaid cover University of Utah Health services?

Many University of Utah Health facilities and providers accept Utah Medicaid. Individuals and families in Utah with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, which expanded in 2020. It's always best to confirm with University of Utah Health Plans directly regarding specific plan and provider acceptance.