University of Utah Health Insurance Plans in Richfield, Utah

University of Utah Health is one of 2 confirmed carriers offering marketplace plans in Richfield's Rating Area 6 for 2026.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange.
Richfield residents with household incomes up to 400% FPL may qualify for subsidies on University of Utah Health plans.
Utah expanded Medicaid in 2020, covering adults up to 138% FPL, and pregnant women up to 144% FPL.

University of Utah Health offers a range of health insurance plans to residents of Richfield, Utah, through the federal HealthCare.gov marketplace. As one of the key providers in Utah Rating Area 6, which covers Wayne and 15 other counties including Sevier where Richfield is located, University of Utah Health provides options designed to fit various budgets and healthcare needs. For 2026, Richfield residents can choose from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in Utah. Understanding your options, potential subsidies, and enrollment deadlines is crucial to securing the right coverage for you and your family.

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What Types of University of Utah Health Plans Are Available in Richfield?

In Richfield, University of Utah Health offers plans primarily through the HealthCare.gov marketplace. For Utah residents, the marketplace choice for 2026 is between HMO and EPO network structures. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. EPO plans offer more flexibility than HMOs by not requiring a PCP referral for specialists, but they generally only cover care received within their network, except in emergencies. Both plan types focus on coordinated care within the University of Utah Health network of providers and facilities.

Understanding Subsidies and Costs for University of Utah Health Plans

The Affordable Care Act (ACA) provides financial assistance to make health insurance more affordable. Richfield residents enrolling in University of Utah Health plans through HealthCare.gov may qualify for two types of subsidies:

Premium Tax Credits: These reduce your monthly premium payments. Eligibility is based on household income, with substantial assistance available for those earning between 100% and 400% of the Federal Poverty Level (FPL).
Cost-Sharing Reductions (CSRs): These lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are available for individuals and families with incomes up to 250% FPL and are automatically applied to Silver-tier plans.

These subsidies can significantly reduce the net cost of University of Utah Health plans, making comprehensive coverage accessible. Your specific subsidy amount will depend on your household size and income.

University of Utah Health and Utah Medicaid Eligibility

Utah expanded its Medicaid program in 2020 through a ballot initiative, making coverage available to many more residents. Adults in Richfield with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This means that if your income is between 100% and 138% FPL, you would likely be eligible for Medicaid rather than marketplace subsidies. University of Utah Health also participates in the Utah Medicaid program, offering specific plans to those who qualify. Special programs exist for pregnant women and children:

Pregnant Women Medicaid: Utah Medicaid covers pregnant women with income up to 144% FPL. This includes comprehensive prenatal care, labor and delivery, and postpartum care.
CHIP for Children: The Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Enrollment for Utah Medicaid is handled through the state's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Richfield

Richfield, located in Wayne County, is part of Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. In 2026, 2 carriers offer marketplace plans in Rating Area 6:

Select Health
University of Utah Health Plans

These carriers provide a range of HMO and EPO plans, allowing Richfield residents to compare options based on network, benefits, and price. Richfield, with a population of 8,224 and an uninsured rate of 7.3% per U.S. Census Bureau ACS 2024 5-year estimates, relies on these two carriers for its marketplace options. Wayne County, the parent county for Richfield, is largely rural with a population of 2,584 and no acute care hospitals within its boundaries. Residents needing acute care services, such as those covered by University of Utah Health, typically travel to neighboring counties for hospital access.

Choosing the Right University of Utah Health Plan in Richfield

Selecting the right health insurance plan involves several considerations:

Assess Your Healthcare Needs: Consider your typical medical expenses, prescription needs, and whether you have preferred doctors or specialists.
Understand Plan Tiers: Marketplace plans are categorized into Bronze, Silver, Gold, and Platinum tiers. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold and Platinum plans have higher premiums and lower out-of-pocket costs. Silver plans are unique because they are eligible for Cost-Sharing Reductions for those who qualify.
Check Provider Networks: Ensure that your preferred doctors, specialists, and facilities are included in University of Utah Health's network for your chosen plan type (HMO or EPO).
Calculate Total Costs: Look beyond just the monthly premium. Consider deductibles, copayments, coinsurance, and the out-of-pocket maximum to understand your potential total healthcare expenses.

A licensed health insurance producer can help you navigate these choices, compare University of Utah Health plans with other available options, and ensure you maximize any eligible subsidies.

Frequently Asked Questions

What types of plans does University of Utah Health offer in Richfield?

In Utah's HealthCare.gov marketplace, University of Utah Health, like other carriers, offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

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

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs. Cost-sharing reductions are also available for those with incomes up to 250% FPL, reducing out-of-pocket expenses.

Is University of Utah Health part of Utah Medicaid?

University of Utah Health Plans also offers Medicaid plans, but eligibility for Utah Medicaid is determined by the state based on income, which is up to 138% of the Federal Poverty Level for most adults. If you qualify for Utah Medicaid, you would enroll directly through medicaid.utah.gov.

How does Richfield's rating area affect my University of Utah Health plan options?

Richfield is located in Utah Rating Area 6. University of Utah Health is one of two carriers confirmed to offer marketplace plans in this specific rating area for 2026. Your options for plans and pricing will be specific to this rating area.