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

University of Utah Health Insurance Plans in Wasatch County, Utah

University of Utah Health Plans is one of 2 carriers offering marketplace plans in Wasatch County for 2026.
Wasatch County is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties.
Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% FPL to qualify for coverage.
Marketplace plans in Wasatch County are limited to HMO and EPO networks; PPO plans are not available on-exchange.

Navigating health insurance options in Wasatch County, Utah, can feel complex, but understanding your choices, especially with carriers like University of Utah Health Plans, is key. For 2026, residents of Wasatch County, which is part of Utah Rating Area 3, have access to marketplace plans from two confirmed carriers. University of Utah Health Plans stands as one of these providers, offering a range of health maintenance organization (HMO) and exclusive provider organization (EPO) plans through HealthCare.gov. These plans are designed to meet diverse healthcare needs, often with financial assistance available based on income.

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What Health Insurance Options Are Available in Wasatch County?

In Wasatch County, Utah, individuals and families seeking health insurance primarily access plans through the federal marketplace, HealthCare.gov. For the 2026 plan year, coverage options are focused on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. Unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace subsidies cannot be applied to them. This makes understanding the nuances of HMO and EPO plans crucial for Wasatch County residents. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. EPO plans offer more flexibility than HMOs, allowing you to see specialists without a referral, but generally still require you to stay within the plan's network for covered care, except in emergencies. Both plan types emphasize coordinated care and can be a cost-effective choice for many. Many Wasatch County residents qualify for financial assistance, known as subsidies, to help reduce the cost of their monthly premiums and out-of-pocket expenses. These subsidies are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). For those with incomes up to 250% FPL, additional cost-sharing reductions (CSRs) may be available, which lower deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable. Wasatch County, part of Utah Rating Area 3, is one of the state's more affluent and rapidly growing areas, with a population of 36,642 and a median income of $117,608, per U.S. Census Bureau ACS 2024 5-year estimates. Despite this, a notable 7.5% of its residents are uninsured, highlighting the ongoing need for accessible and affordable health coverage. The county has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services.

Health Insurance Carriers in Wasatch County

For 2026, two health insurance carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a selection of plans through HealthCare.gov, giving residents options to find coverage that fits their needs and budget. The confirmed carriers for Wasatch County are:

Select Health: A Utah-based health plan, Select Health offers a variety of HMO and EPO plans with a focus on integrated care. Their plans are often associated with the Intermountain Health system, providing access to a broad network of providers and facilities throughout Utah.
University of Utah Health Plans: As a university-affiliated health plan, University of Utah Health Plans provides HMO and EPO options that leverage the extensive medical resources of the University of Utah Health system. This includes access to specialized care, academic medical centers, and a network of community providers.

When selecting a plan, it's important to consider not only the premium but also the plan's network of doctors and hospitals, its deductible, copayments, and overall out-of-pocket maximum. Comparing the benefits and costs of plans from both University of Utah Health Plans and Select Health on HealthCare.gov is essential to make an informed decision.

Understanding Utah Medicaid and CHIP Eligibility

Utah expanded its Medicaid program in 2020 through a ballot initiative, making health coverage available to more residents. This expansion significantly impacts eligibility for many Wasatch County adults. Eligibility criteria for Utah Medicaid and CHIP include:

Adults: Individuals and families with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This means that if your income falls within this range, you may be eligible for comprehensive, low-cost or no-cost health coverage.
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes prenatal care, labor and delivery services, and postpartum care. Applications for pregnant women's Medicaid can be submitted through Utah's Medicaid portal at medicaid.utah.gov.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL are eligible for the Children's Health Insurance Program (CHIP) in Utah. CHIP provides affordable healthcare coverage for essential services to ensure children receive the care they need.

Unlike states that have not expanded Medicaid, Utah residents with incomes between 100% and 138% FPL will likely qualify for Medicaid rather than marketplace subsidies. It's crucial to check your eligibility through HealthCare.gov or the Utah Medicaid portal to determine the most appropriate and affordable coverage option for your situation.

Making Your Health Insurance Decision in Wasatch County

Choosing the right health insurance plan in Wasatch County involves evaluating your income, healthcare needs, and preferred providers. Here’s a general guide to help you navigate your options:

If your income is below 138% FPL: You will likely qualify for Utah Medicaid. This provides comprehensive coverage with minimal to no out-of-pocket costs. Apply through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits through HealthCare.gov, which can significantly lower your monthly premiums. Consider plans from University of Utah Health Plans or Select Health.
If your income is between 100% and 250% FPL: In addition to premium tax credits, you may also qualify for cost-sharing reductions (CSRs) if you choose a Silver plan. CSRs reduce your deductibles, copayments, and out-of-pocket maximums, making Silver plans a highly valuable option for this income bracket.
If your income is above 400% FPL: You can still purchase plans through HealthCare.gov, but you won't qualify for subsidies. You'll pay the full premium for your chosen plan.

Consider your healthcare usage: if you visit doctors frequently or have ongoing medical conditions, a plan with a lower deductible and higher monthly premium (like a Gold or Silver plan with CSRs) might save you money in the long run. If you are generally healthy and only expect to use preventive care, a Bronze or Catastrophic plan might be more suitable, offering lower monthly premiums but higher out-of-pocket costs when you do need care. A licensed health insurance producer can provide personalized guidance, help you compare plans, and ensure you receive all eligible financial assistance. Their services are typically free to you.

Frequently Asked Questions

What types of health insurance plans are available in Wasatch County, Utah?

In Wasatch County, Utah, marketplace shoppers can choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning subsidies cannot be applied to them.

How many health insurance carriers offer plans in Wasatch County?

For the 2026 plan year, two health insurance carriers offer marketplace plans in Rating Area 3, which includes Wasatch County. These carriers are Select Health and University of Utah Health Plans.

Can I get help paying for health insurance in Wasatch County?

Yes, many Wasatch County residents qualify for subsidies through HealthCare.gov to reduce their monthly premiums and out-of-pocket costs. Eligibility is based on household income relative to the Federal Poverty Level. Individuals and families with incomes between 100% and 400% FPL may qualify for premium tax credits, and those with incomes up to 250% FPL may also be eligible for cost-sharing reductions.

Does Utah have expanded Medicaid?

Yes, Utah expanded its Medicaid program in 2020. Adults with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Additionally, pregnant women may qualify with incomes up to 144% FPL, and children through CHIP up to 200% FPL.