University of Utah Health Insurance Plans in Roosevelt, Utah
- University of Utah Health is one of 4 confirmed carriers offering marketplace plans in Roosevelt's Rating Area 6 for 2026.
- Roosevelt residents may qualify for Utah Medicaid if their income is up to 138% of the Federal Poverty Level.
- Marketplace plans in Utah, including those from University of Utah Health, are generally offered as HMO and EPO network types; PPO plans are not available on-exchange.
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What University of Utah Health Plans Are Available in Roosevelt?
For 2026, University of Utah Health is one of four confirmed carriers offering health insurance plans through HealthCare.gov in Roosevelt, Utah. Residents of Roosevelt, located in Duchesne County, fall under Utah Rating Area 6. This rating area covers 16 counties, including Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne. When exploring plans from University of Utah Health, you will primarily encounter Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO plans are not available on-exchange in Utah. HMO plans require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPO plans offer more flexibility in seeing specialists without referrals, as long as they are within the plan's network. Understanding these differences is key to choosing the right plan for your healthcare needs.How Do Subsidies Affect University of Utah Health Plan Costs in Roosevelt?
Many Roosevelt residents qualify for financial assistance to help pay for their health insurance premiums. These subsidies, known as premium tax credits, are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). You must purchase a plan through HealthCare.gov to receive these credits. The amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. For example, a family of four in Duchesne County with a median income of $78,445 (per U.S. Census Bureau ACS 2024 5-year estimates) would likely qualify for significant premium tax credits, making a University of Utah Health plan much more affordable. Additionally, if your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs) on Silver plans, which lower your deductibles, copayments, and out-of-pocket maximums.Utah Medicaid and CHIP Eligibility
Unlike some other states, Utah expanded its Medicaid program in 2020. This means that adults in Roosevelt with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. For pregnant women, the income threshold for Medicaid is 144% FPL, and for children, the Children's Health Insurance Program (CHIP) covers those in households up to 200% FPL. If you believe you might qualify, you should apply through Utah's Medicaid portal (medicaid.utah.gov) to determine your eligibility.Choosing the Right University of Utah Health Plan in Roosevelt
When selecting a University of Utah Health plan, consider your expected healthcare usage and budget. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum.| Metal Tier | Key Characteristics | Best For |
|---|---|---|
| Bronze | Lowest monthly premiums, highest deductibles and out-of-pocket costs. Covers 60% of costs on average. | Healthy individuals who expect minimal healthcare use and want protection against catastrophic costs. |
| Silver | Moderate premiums and out-of-pocket costs. Covers 70% of costs on average. Enhanced Silver plans offer Cost-Sharing Reductions for eligible incomes. | Individuals and families who qualify for Cost-Sharing Reductions, or those who want a balance between premiums and out-of-pocket costs. |
| Gold | Higher monthly premiums, lower deductibles and out-of-pocket costs. Covers 80% of costs on average. | Individuals and families who expect frequent healthcare use and prefer to pay more upfront for lower costs at the point of service. |
Health Insurance Carriers in Roosevelt
In 2026, 4 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. Roosevelt is served by these providers:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Next Steps for Securing Health Coverage in Roosevelt
Whether you're looking for a University of Utah Health plan or exploring other options in Roosevelt, understanding your eligibility for financial assistance is crucial.- If your income is below 138% FPL: You may qualify for Utah Medicaid. Apply directly through medicaid.utah.gov.
- If your income is 100% to 400% FPL: You are likely eligible for premium tax credits and potentially Cost-Sharing Reductions. Begin your application at HealthCare.gov.
- If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov or directly from a carrier.
Frequently Asked Questions
What types of plans does University of Utah Health offer in Roosevelt?
University of Utah Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace in Roosevelt. PPO plans are not available on-exchange in Utah.
Can I get a subsidy for University of Utah Health plans in Roosevelt?
Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to reduce your monthly premiums for University of Utah Health plans purchased through HealthCare.gov.
Is Medicaid available in Roosevelt, Utah?
Yes, Utah expanded Medicaid in 2020. Adults with incomes up to 138% FPL may qualify for Utah Medicaid. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through CHIP.
Are PPO plans available on-exchange in Roosevelt, Utah?
No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Residents of Roosevelt will find HMO and EPO network plans as their primary options for subsidized coverage.
What is Rating Area 6, and why is it important for Roosevelt residents?
Rating Area 6 is a multi-county region in Utah that includes Duchesne County, where Roosevelt is located. All health insurance plans offered on the marketplace in this rating area have the same base rates, ensuring fair pricing across the 16 counties it covers.