Choosing a Plan

You can choose your plan by metal tiers: Bronze, Silver, or Gold. These levels are defined by healthcare.gov and serve as a guide to how much you’ll spend.

Health Insurance Plans

Traditional Plans

These plans are a popular choice for those who'd like a traditional or "classic" plan, including coverage for medical services, preventive care, and prescription drugs. Choose a deductible and benefits that work for you.

HSA-eligible Plans

These plans give you the freedom to choose how you spend your healthcare dollars. They typically have a higher deductible and a lower premium, and you may be able to use a Health Savings Account (HSA) to pay for most healthcare expenses. You may be able to put money you save on premiums into an HSA to use for medical services and prescriptions. And if you don't use all of the money in your HSA, don't worry—it carries over to the next year.


Benchmark Plans

These plans cover only Essential Health Benefits (EHBs) as defined by your state. Learn more about Benchmark plans, including any exclusions, benefit categories, and more. 


Catastrophic Plans

If you are younger than 30, or if you qualify for a hardship exemption*, you might be interested in a catastrophic health plan. These have higher deductibles and out-of-pocket maximums, and are ideal for those who only want protection from very high medical costs. However, you can’t use government subsidies to help pay for these plans.

*Hardship exemptions are only available through healthcare.gov and yourhealthidaho.org.

Transition Plans

If you’re looking for short-term coverage, consider a Transition plan. This plan will cover you for as little as 30 days or as long as 89 days. It’s not renewable, and it does not cover pre-existing conditions or prescriptions. Use it for those in-between times—like changing jobs or if you missed the open enrollment period—to cover accidents and illness.

Keep in mind that Transition plans don’t meet minimum essential coverage requirements.

Prescription Benefits

Our Individual plans include coverage for prescriptions with access to more than 45,000 pharmacies nationwide.

Dental Care (Utah Only)

A healthy mouth is part of a healthy body. We offer plans with low deductibles and coverage for most preventive services. So don’t stop at medical coverage—consider a dental plan to protect your smile.

Note: We sell Individual plans in Utah and Idaho. However, plans are not available to those living in the following Idaho counties: Benewah, Bonner, Boundary, Butte, Clark, Clearwater, Idaho, Latah, Lewis, Nez Perce, Shoshone, and Teton.

 

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Networks: Doctors and Hospitals

Get access to the doctors, hospitals, and clinics nearest you. Choose from three networks: SelectHealth Network, Select Value, and Select Med. Plans with smaller networks generally cost less, while larger networks give you access to more providers. Emergency care is always covered, no matter where you go.

As you review these network maps, keep this in mind: Put simply, a network is the group a providers and facilities with whom we’ve contracted to provide care to our members. But a service area is different. Our service area is the geographical area we serve—basically, it’s where we sell plans. So you may live in an area covered by our network, but if it isn’t part of our service area, you won’t be eligible to purchase a plan.

 

Select Value®
Select Value is highly integrated with Intermountain Healthcare and is a great option for employers along the Wasatch Front. Select Value provides access to all Intermountain facilities in Weber, Davis, Salt Lake, and Utah counties.
Select Med®
Select Med is affordable and comprehensive, including three times more hospitals and providers than Select Value. Our most popular provider network, it reaches northern and southern Utah. For cancer treatment, the Huntsman Cancer Institute is participating. A swing-out option provides benefits at nonparticipating hospitals and providers for most services.
SelectHealth Idaho
The SelectHealth Network in Idaho gives members access to St. Luke’s nationally recognized hospitals, facilities, and physicians as well as the St. Luke’s Health Partners network. In Northern Idaho, your employees can also access First Choice Health providers and others in the MultiPlan networks of doctors and facilities. This network also provides access to many specialty hospitals in Utah, including Primary Children’s Hospital and the Huntsman Cancer Institute for cancer treatment.

 

Plan Materials

Want to see a Contract or Summary of Benefits and Coverage? Search here.