University of Utah Health Insurance Plans in St. George, Utah
- University of Utah Health is one of 3 carriers offering marketplace plans in St. George's Rating Area 5 for 2026.
- Marketplace plans from University of Utah Health in Utah are exclusively HMO and EPO; PPO plans are not available on-exchange.
- St. George, with a population of 101,995, has an uninsured rate of 11.5% per U.S. Census Bureau ACS 2024 5-year estimates.
- Utah expanded Medicaid in 2020, allowing adults with income up to 138% of the Federal Poverty Level to qualify.
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What Types of University of Utah Health Plans Are Available in St. George?
For 2026, University of Utah Health offers health insurance plans to St. George residents via the federal marketplace, HealthCare.gov. In Utah, marketplace choices are limited to HMO and EPO plans; PPO plans are not available on-exchange. This means your plan will typically require you to use a network of providers or obtain referrals for specialists, depending on the plan type. University of Utah Health's offerings are designed to provide comprehensive benefits, including preventive care, doctor visits, hospital stays, and prescription drugs, within their established network. When selecting a plan, it is important to consider the metal tiers: Bronze, Silver, Gold, and Platinum. Bronze plans typically have lower monthly premiums but higher deductibles and out-of-pocket costs. Gold plans, conversely, have higher premiums but lower out-of-pocket expenses when you need care. Silver plans offer a balance, and if your income qualifies, you may be eligible for Cost-Sharing Reductions (CSRs) that enhance a Silver plan's benefits, making it comparable to a Gold or even Platinum plan in terms of out-of-pocket costs.How Do Subsidies and Medicaid Work for St. George Residents?
Many St. George residents may qualify for financial assistance to make their University of Utah Health plan more affordable. Premium tax credits are available for households with incomes between 100% and 400% of the Federal Poverty Level (FPL) to reduce monthly premium costs. Additionally, those with incomes between 100% and 250% FPL may be eligible for Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums on Silver plans. Utah expanded its Medicaid program in 2020, meaning adults with household incomes up to 138% of the FPL may qualify for Utah Medicaid. This is a crucial difference from some other states, as it ensures a pathway to coverage for lower-income individuals. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care. Children in households up to 200% FPL may qualify for Utah CHIP. You can apply for Utah Medicaid through medicaid.utah.gov.Health Insurance Carriers in St. George
St. George is located in Washington County, which is part of Utah Rating Area 5. This rating area also covers Iron County. In 2026, 3 carriers offer marketplace plans in Rating Area 5. These carriers provide a range of HMO and EPO plans to residents. The confirmed carriers for Rating Area 5 in 2026 are:- Molina Healthcare
- Select Health
- University of Utah Health Plans
Choosing the Right University of Utah Health Plan in St. George
Selecting a health insurance plan involves evaluating your healthcare needs, budget, and preferred providers. Here’s a general guide for St. George residents considering University of Utah Health plans:| Income Level (as % FPL) | Recommendation | Key Benefit |
|---|---|---|
| Below 138% FPL | Apply for Utah Medicaid | Comprehensive, low-cost or no-cost coverage. |
| 100% - 250% FPL | Consider University of Utah Health Silver plans with Cost-Sharing Reductions (CSRs) | Lower deductibles, copays, and out-of-pocket maximums. |
| 251% - 400% FPL | Explore University of Utah Health Bronze, Silver, or Gold plans with premium tax credits | Tax credits reduce monthly premiums; choose plan based on expected medical use. |
| Above 400% FPL | Review University of Utah Health Bronze, Silver, or Gold plans; no premium tax credits | Focus on balancing premiums with deductibles and network access. |
Frequently Asked Questions
What types of University of Utah Health plans are available in St. George?
In St. George, University of Utah Health offers marketplace plans with HMO and EPO network structures. PPO plans are not available on the HealthCare.gov marketplace in Utah. These plans provide access to a network of doctors, specialists, and hospitals within Washington County and Rating Area 5.
Can I get a subsidy for University of Utah Health plans in St. George?
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 for University of Utah Health plans purchased through HealthCare.gov. Individuals and families with incomes below 100% FPL, or above 400% FPL, may still find affordable options, but subsidies are concentrated in the 100-400% FPL range.
Does University of Utah Health cover St. George Regional Hospital?
University of Utah Health plans typically contract with a network of local providers. For specific coverage of St. George Regional Hospital, it is essential to verify directly with University of Utah Health or check the plan's provider directory, as network participation can vary by specific plan and year. St. George Regional Hospital is the primary acute care facility in Washington County.
Are PPO plans from University of Utah Health available in St. George?
No, for the 2026 plan year, PPO plans are not available on the HealthCare.gov marketplace in Utah. University of Utah Health and other carriers offer HMO and EPO plans in St. George. If you prefer a PPO, you would need to explore off-marketplace options, which do not qualify for subsidies.