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

University of Utah Health Insurance Plans in North Salt Lake, Utah

In 2026, 4 carriers, including University of Utah Health Plans, offer marketplace plans in North Salt Lake's Rating Area 3.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
North Salt Lake has a population of 23,474 and an uninsured rate of 8.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
Adults in Utah with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid.

If you're looking for health insurance in North Salt Lake, Utah, including plans from University of Utah Health Plans, you'll find options primarily through the federal marketplace, HealthCare.gov. Residents of North Salt Lake, located in Davis County, have access to a variety of plans, predominantly structured as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs). This article will guide you through understanding your choices, eligibility for financial assistance, and how to enroll in a plan that meets your needs, whether it's through University of Utah Health Plans or another local carrier.

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What Health Insurance Options Are Available in North Salt Lake?

Residents of North Salt Lake, Utah, access health insurance plans primarily through HealthCare.gov, the federal marketplace for individual and family coverage. In Utah, the marketplace offers plans with Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. Unlike some other states, PPO plans are not available on-exchange in Utah. This means your marketplace choice will focus on plans that require you to select a primary care provider (PCP) and often need referrals for specialists (HMOs), or plans that offer more flexibility within a defined network without requiring a PCP (EPOs). Financial assistance, including premium tax credits and cost-sharing reductions, is available through HealthCare.gov for individuals and families whose incomes fall within specific Federal Poverty Level (FPL) ranges. These subsidies can significantly lower your monthly premiums and out-of-pocket costs, making coverage more affordable. For example, a single person earning up to $58,320 (400% FPL) in 2024 may qualify for premium tax credits.

Understanding Utah Medicaid Eligibility in North Salt Lake

Utah expanded its Medicaid program in 2020 following a ballot initiative (Proposition 3). This means that adults in North Salt Lake and across Utah with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures a pathway to coverage for many low-income residents. Specific FPL thresholds for other groups include:

Pregnant Women: Up to 144% FPL for comprehensive prenatal, delivery, and postpartum care. This threshold extends coverage beyond the standard adult Medicaid line.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for Utah's Children's Health Insurance Program (CHIP).

If your income is at or below these thresholds, applying for Utah Medicaid or CHIP through medicaid.utah.gov is generally the most cost-effective option, as these programs typically have no premiums and minimal out-of-pocket costs.

Health Insurance Carriers in North Salt Lake

North Salt Lake is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3, providing a range of choices for residents. These carriers include:

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

When selecting a plan, consider factors such as monthly premiums, deductibles, copayments, and the network of doctors and hospitals. University of Utah Health Plans, like other carriers, offers various plan tiers (Bronze, Silver, Gold) with different cost-sharing structures. It is important to verify that your preferred doctors and any necessary specialists or facilities, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful (both in Davis County), are in-network for any plan you consider. Davis County, with a population of 370,924, is served by 4 hospitals: Holy Cross Hospital-davis, Lakeview Hospital, Intermountain Health Layton Hospital, and Western Peaks Specialty Hospital. North Salt Lake itself has a population of 23,474 with a median income of $101,447, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate for North Salt Lake is 8.9%, indicating a significant portion of the population could benefit from exploring coverage options.

Making Your Health Insurance Decision in North Salt Lake

Choosing the right health insurance plan involves evaluating your specific health needs, financial situation, and preferred providers. Here’s a guide to help North Salt Lake residents make an informed decision:

Assess Your Income: If your household income is at or below 138% FPL, apply for Utah Medicaid. For a single adult, this is approximately $20,782 per year.
Utilize Subsidies: If your income is between 100% and 400% FPL, you are likely eligible for premium tax credits to lower your monthly payments on HealthCare.gov. Those between 100% and 250% FPL may also qualify for cost-sharing reductions, which lower deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable.
Compare Plan Types: Remember that only HMO and EPO plans are available on-exchange in Utah. Consider whether you prefer the structure of an HMO, which often requires a PCP and referrals, or an EPO, which allows more flexibility within its network.
Check Networks: Always confirm that your preferred doctors, specialists, and hospitals (such as Holy Cross Hospital-davis or Intermountain Health Layton Hospital) are included in the plan's network before enrolling.
Review Out-of-Pocket Costs: Look beyond just the monthly premium. Compare deductibles, copayments, coinsurance, and the maximum out-of-pocket limit across different plans and tiers (Bronze, Silver, Gold) to understand your total potential costs.

Navigating these choices can be complex. A licensed health insurance producer can provide free, personalized assistance to help you compare plans from University of Utah Health Plans and other carriers, check your subsidy eligibility, and enroll in a plan that best fits your healthcare and financial needs.

Frequently Asked Questions

Are PPO plans available on HealthCare.gov in North Salt Lake?

No, PPO plans are not available on the federal marketplace (HealthCare.gov) in North Salt Lake or anywhere in Utah. Marketplace shoppers in Utah choose between HMO and EPO network structures.

What is the uninsured rate in North Salt Lake?

The uninsured rate in North Salt Lake is 8.9%, per U.S. Census Bureau ACS 2024 5-year estimates. This is higher than the Davis County average of 5.7%.

Can I get help paying for health insurance in Utah?

Yes, if your income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through HealthCare.gov. Utah also expanded Medicaid, so adults up to 138% FPL may qualify for Utah Medicaid.

Which hospitals are available in Davis County?

Davis County is home to several hospitals, including Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful.