University of Utah Health Insurance Plans in North Ogden, UT

Q: What types of health plans does University of Utah Health offer in North Ogden?

In North Ogden, University of Utah Health Plans offers health insurance coverage through HMO and EPO plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah. These plans provide access to University of Utah Health's network of providers and facilities.

Q: Can I get a subsidy for University of Utah Health plans in North Ogden?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Additionally, those between 100% and 250% FPL may be eligible for Cost-Sharing Reductions (CSRs) to reduce out-of-pocket costs on Silver plans. Eligibility is determined when you apply through HealthCare.gov.

Q: What are the income limits for Utah Medicaid in North Ogden?

Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual, this means an income of approximately $20,782 per year in 2024. Pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.

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

University of Utah Health Plans offers marketplace coverage in North Ogden through HMO and EPO plans, as PPO plans are not available on-exchange in Utah.
North Ogden is part of Utah Rating Area 2, which also covers Box Elder and Morgan counties, and is served by 4 confirmed health insurance carriers in 2026.
North Ogden has a population of 21,947 and an uninsured rate of 5.2%, significantly lower than Weber County's 8.8% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates.
Utah Medicaid expanded in 2020, covering adults up to 138% of the Federal Poverty Level (FPL), eliminating a coverage gap for low-income residents.

Navigating health insurance options can be challenging, but for residents of North Ogden, Utah, seeking coverage from University of Utah Health Plans, the process begins on HealthCare.gov. University of Utah Health Plans is one of four carriers offering plans in Rating Area 2 for 2026. These plans are structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs), as PPO plans are not available on the Utah marketplace. Depending on your income, you may qualify for significant financial assistance, including premium tax credits and cost-sharing reductions, to make coverage more affordable. Understanding your eligibility for subsidies and the specific plan types offered is key to selecting the right coverage for you and your family in North Ogden.

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What Health Plans Does University of Utah Health Offer in North Ogden?

In North Ogden, University of Utah Health Plans provides health insurance options exclusively through the federal marketplace, HealthCare.gov. For the 2026 plan year, University of Utah Health Plans offers both Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. These plans are designed to give you access to the University of Utah Health network of hospitals, doctors, and specialists. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers in North Ogden will choose between HMO and EPO network structures. HMO plans typically require you to choose a primary care provider (PCP) within the network, who then refers you to specialists. EPO plans offer more flexibility by not requiring a PCP referral to see specialists, but you must still stay within the plan's network for covered services, except in emergencies. Both plan types emphasize coordinated care and provide comprehensive benefits.

Understanding Health Insurance Coverage in North Ogden, UT

North Ogden, located in Weber County, is part of Utah Rating Area 2. This rating area also encompasses Box Elder and Morgan counties, meaning that health insurance premiums are standardized across these three counties for the same plan. According to U.S. Census Bureau ACS 2024 5-year estimates, North Ogden has a population of 21,947, with a median household income of $113,722 and an uninsured rate of 5.2%. This uninsured rate is notably lower than the 8.8% uninsured rate for Weber County as a whole, which has a population of 269,648. Residents of North Ogden have access to medical facilities within Weber County, including Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden. When considering a University of Utah Health Plan, it is important to verify that your preferred doctors and any necessary specialists are part of the plan's specific network.

Financial Assistance and Utah Medicaid Eligibility

Utah operates on the federal HealthCare.gov marketplace, where individuals and families can apply for financial assistance to help pay for health insurance. This assistance comes in two main forms:

Advance Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payments. Eligibility is based on household income relative to the Federal Poverty Level (FPL), typically for incomes between 100% and 400% FPL.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs like deductibles, copayments, and coinsurance. CSRs are available to individuals and families with incomes between 100% and 250% FPL, but only if they enroll in a Silver-tier plan.

Utah expanded its Medicaid program in 2020 through a ballot initiative. This means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single individual earning up to approximately $20,782 per year in 2024 would be eligible. This expansion ensures that low-income residents in North Ogden do not fall into a "coverage gap" and have access to essential health benefits. Additionally, Utah Medicaid covers pregnant women with incomes up to 144% FPL, and the Children's Health Insurance Program (CHIP) covers uninsured children in households up to 200% FPL. Enrollment for Utah Medicaid and CHIP can be done through Utah's Medicaid portal (medicaid.utah.gov).

Health Insurance Carriers in North Ogden

For residents of North Ogden seeking health insurance coverage on the HealthCare.gov marketplace for the 2026 plan year, there are several options. In 2026, 4 carriers offer marketplace plans in Rating Area 2, which covers Box Elder, Morgan, and Weber counties. These carriers provide a range of HMO and EPO plans to choose from:

BridgeSpan Health Company: Offers various plans to meet different needs.
Regence BlueCross BlueShield of Utah: A well-established insurer providing a variety of plan options.
Select Health: Known for its integrated health system approach, offering plans tied to specific provider networks.
University of Utah Health Plans: Provides access to the extensive University of Utah Health network of providers and facilities.

When selecting a plan, it is crucial to compare not only premiums but also deductibles, copayments, coinsurance, and the specific provider networks to ensure your preferred doctors and hospitals are included.

Making an Informed Decision in North Ogden

Choosing the right health insurance plan, especially one from University of Utah Health Plans, requires careful consideration of your healthcare needs, budget, and eligibility for financial assistance.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: You may qualify for significant premium tax credits and cost-sharing reductions. Consider a Silver-tier plan to maximize the benefits of CSRs, which will lower your out-of-pocket costs.
If your income is above 250% FPL (up to 400% FPL): You may still qualify for premium tax credits. Compare plans across different metal tiers (Bronze, Silver, Gold) to find the best balance of monthly premiums and out-of-pocket costs.
If your income is above 400% FPL: You are not eligible for marketplace subsidies but can still enroll in a plan through HealthCare.gov at full price.

A licensed health insurance producer can provide personalized guidance, help you compare plans from University of Utah Health Plans and other carriers, and assist with the enrollment process – all at no cost to you.

Frequently Asked Questions

What types of health plans does University of Utah Health offer in North Ogden?

University of Utah Health Plans offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace in North Ogden. PPO plans are not available on-exchange in Utah. These plans provide access to University of Utah Health's network of providers.

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

Yes, if your household income falls within certain Federal Poverty Level (FPL) guidelines (typically 100% to 400% FPL), you may qualify for Advance Premium Tax Credits to lower your monthly premiums. Those between 100% and 250% FPL may also qualify for Cost-Sharing Reductions on Silver plans to reduce out-of-pocket expenses.

What is the uninsured rate in North Ogden?

The uninsured rate in North Ogden is 5.2%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is lower than the 8.8% uninsured rate for the broader Weber County.

What are the income limits for Utah Medicaid in North Ogden?

Due to Medicaid expansion in 2020, adults in North Ogden with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children through CHIP up to 200% FPL.

Which hospitals are available in Weber County for North Ogden residents?

Residents of North Ogden in Weber County have access to acute care hospitals such as Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden. It is important to confirm that your chosen health plan's network includes your preferred facilities and providers.