University of Utah Health Insurance Plans in Tooele, UT

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

University of Utah Health is one of 4 carriers offering marketplace plans in Tooele's Rating Area 3 for 2026.
Plan types available from University of Utah Health in Tooele are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO); PPO plans are not offered on-exchange in Utah.
Tooele residents with incomes up to 400% FPL (e.g., ~$60,240 for an individual) may qualify for subsidies on HealthCare.gov plans.
Utah Medicaid covers pregnant women up to 144% FPL and children up to 200% FPL, with expanded adult Medicaid covering up to 138% FPL.

If you're looking for health insurance options from University of Utah Health in Tooele, Utah, you're in the right place. University of Utah Health Plans is one of the four carriers providing coverage through Utah's HealthCare.gov marketplace in Tooele's Rating Area 3 for the 2026 plan year. These plans typically offer access to the University of Utah Health system's extensive network of doctors and facilities. Understanding your options, including plan types like HMOs and EPOs, potential financial assistance, and how to enroll, is key to choosing the right coverage. This guide will help you navigate the specifics of University of Utah Health plans and the broader health insurance landscape in Tooele.

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What University of Utah Health Plans Are Available in Tooele?

In Tooele, University of Utah Health offers plans primarily through the HealthCare.gov marketplace. As with all marketplace plans in Utah, your choices will be between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. University of Utah Health plans are typically structured to provide access to their integrated health system, which includes hospitals, clinics, and a wide range of specialists. When considering a University of Utah Health plan, it's important to verify that your preferred doctors and facilities, such as Mountain West Medical Center in Tooele, are within the plan's network. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, indicating the average percentage of healthcare costs the plan is expected to cover:

Bronze: Covers approximately 60% of costs, with you paying 40%. These plans have the lowest premiums but the highest deductibles and out-of-pocket maximums. They are suitable for those who expect minimal healthcare use or want catastrophic coverage.
Silver: Covers approximately 70% of costs, with you paying 30%. Silver plans are unique because they are the only tier eligible for Cost-Sharing Reductions (CSRs), which can significantly lower your deductibles, copayments, and out-of-pocket maximums if you qualify based on income.
Gold: Covers approximately 80% of costs, with you paying 20%. These plans have higher premiums than Bronze or Silver but lower deductibles and out-of-pocket maximums, making them a good choice for those who anticipate regular healthcare needs.
Platinum: Covers approximately 90% of costs, with you paying 10%. Platinum plans have the highest premiums but the lowest out-of-pocket costs when you use care.

University of Utah Health may offer plans at various metal tiers in Tooele, allowing you to select a balance of premium and out-of-pocket costs that suits your budget and healthcare needs.

Understanding Financial Assistance for Tooele Residents

Many Tooele residents qualify for financial assistance to make health insurance more affordable. This assistance is available through HealthCare.gov in the form of Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs).

2026 Federal Poverty Level (FPL) Income Thresholds for Subsidies (Estimated for a Single Individual)
FPL Percentage	Estimated Annual Income (Individual)	Assistance Type
Up to 138% FPL	Up to ~$20,870	Utah Medicaid Eligibility
100% - 250% FPL	~$15,100 - ~$37,750	APTCs & Cost-Sharing Reductions (CSRs)
251% - 400% FPL	~$37,751 - ~$60,400	APTCs Only
Above 400% FPL	Above ~$60,400	No Marketplace Subsidies

Note: FPL figures are estimates and vary by household size. Actual thresholds will be released annually.

Advance Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payment. Eligibility is based on household income relative to the Federal Poverty Level (FPL), ranging from 100% to 400% FPL. For example, a single individual in Tooele earning between approximately $15,100 and $60,400 per year (based on 2026 FPL estimates) could qualify for APTCs.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs reduce your out-of-pocket costs such as deductibles, copayments, and coinsurance. You can qualify for CSRs if your income is between 100% and 250% FPL. This means a Silver plan can offer similar out-of-pocket costs to a Gold or even Platinum plan for qualifying individuals.

For example, a Tooele resident earning $45,000 annually as a single individual (roughly 300% FPL) would likely qualify for significant APTCs, making a University of Utah Health plan much more affordable.

Utah Medicaid and CHIP Eligibility in Tooele

Utah expanded Medicaid in 2020 via Proposition 3, a ballot initiative. This means that adults in Tooele with household 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 path to affordable coverage for lower-income adults without children or disabilities. For specific populations:

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

If you believe you might qualify for Utah Medicaid or CHIP, you should apply through Utah's Medicaid portal at medicaid.utah.gov. Medicaid provides comprehensive benefits with very low or no out-of-pocket costs, making it a highly valuable option for eligible individuals and families.

Health Insurance Carriers in Tooele

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. Tooele, with a population of 38,405 and an uninsured rate of 6.8% per U.S. Census Bureau ACS 2024 5-year estimates, is part of this multi-county rating area. The confirmed carriers for this area are:

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

These carriers provide a range of HMO and EPO plans through HealthCare.gov, offering options for various budgets and healthcare needs. University of Utah Health Plans focuses on leveraging its integrated health system to provide coordinated care. Tooele County's only acute care hospital, Mountain West Medical Center, is a key local facility whose network status should be verified with your chosen plan.

Choosing the Right University of Utah Health Plan in Tooele

Selecting the best University of Utah Health plan involves considering your healthcare needs, budget, and access to local providers. Tooele County, with a population of 79,347 and a median income of $106,587 per U.S. Census Bureau ACS 2024 5-year estimates, offers a diverse population with varied healthcare requirements. Here's a decision-making framework:

If you primarily use the University of Utah Health system and want lower premiums: An HMO plan from University of Utah Health might be suitable. These plans require you to choose a primary care provider (PCP) within their network and get referrals for specialists.
If you want more flexibility but still use the University of Utah Health network: An EPO plan could be a good fit. EPOs typically don't require referrals but still limit coverage to in-network providers, except in emergencies.
If you qualify for Cost-Sharing Reductions (CSRs) (income 100-250% FPL): Always choose a Silver plan. The enhanced benefits of CSRs dramatically reduce your out-of-pocket costs, making Silver plans the best value for eligible individuals.
If you have a chronic condition or anticipate significant healthcare needs: Consider a Gold or Platinum plan. While premiums are higher, the lower deductibles and out-of-pocket maximums can save you money in the long run.
If you are generally healthy and want catastrophic protection: A Bronze plan from University of Utah Health could be an option, but be prepared for high deductibles before your plan starts paying for most services.

Remember to check the specific plan's provider directory to ensure that your preferred doctors and any local facilities, such as Mountain West Medical Center, are in-network.

Frequently Asked Questions

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

In Tooele, University of Utah Health offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the Utah marketplace.

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

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 when enrolling through HealthCare.gov. Cost-sharing reductions (CSRs) are also available for those earning up to 250% FPL, reducing out-of-pocket costs.

Does University of Utah Health cover Mountain West Medical Center in Tooele?

University of Utah Health Plans typically include a network of providers and facilities. To confirm if Mountain West Medical Center in Tooele is in-network for a specific University of Utah Health plan, you should check the plan's official provider directory or contact University of Utah Health directly before enrollment.

How does Utah Medicaid interact with marketplace plans from University of Utah Health?

Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost coverage through Utah Medicaid. If you qualify for Medicaid, you would enroll in Medicaid rather than a marketplace plan from University of Utah Health, as Medicaid offers more extensive benefits with minimal out-of-pocket costs.