Find the Perfect Plan in Three Steps
Follow the steps outlined below to find the best health insurance plan for yourself or for your family:
Find out If You Qualify for a Tax Credit or Cost-Sharing Reduction
Advanced Premium Tax Credit Estimator
Find out if you qualify for a subsidy by visiting HealthCare.gov (Utah) or Your Health Idaho (Idaho). You’ll need some basic information like your family size and household income to get an estimate. If you don’t qualify for a subsidy, consider the Expanded Bronze, Bronze, and Gold plans. These may provide the best value for your money.
You may also be eligible for cost-sharing reduction plans that lower the amount you pay out of pocket for deductibles, coinsurance, and copays. Members of a federally recognized American Indian tribe may qualify for additional cost-sharing benefits.
If you qualify for a subsidy, we recommend purchasing your plan on healthcare.gov. If you don't qualify for a subsidy, you may find a lower-priced plan by shopping with us.
Learn more about advanced premium tax credits and cost-sharing reductions.
Choose a Plan
Provider Network Options
In Utah, choose from two networks: SelectHealth Value or SelectHealth Med. In Idaho, your network is the SelectHealth Network. 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: A network is the group of 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. You must live in our service area to be eligible to purchase a plan.
Health Plan Types
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.
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.
These plans may be a lower cost alternative than Traditional plans. They only cover Essential Health Benefits (EHBs) as defined by your state. Learn more about Benchmark plans, including any exlusions, benefit categories, and more.
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.
If you’re looking for short-term coverage, consider a Transition plan. It’s not renewable and it does not cover pre-existing conditions or prescriptions. Use it for those in-between times—like changing jobs, aging off parents plans, 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.
Our Individual plans include coverage for prescriptions with access to more than 45,000 pharmacies nationwide.*
*Not available on Transition plans.
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.
Metal Tier Types
You can choose your plan by metal tiers: Bronze, Expanded Bronze, Silver, and Gold. These levels are defined by healthcare.gov and serve as a guide to how much you’ll spend.
If you don't qualify for a Advanced Premium Tax Credit or Cost-Sharing Reduction, we recommend researching all metal tier options to make sure you're finding the best plan for you and your family. The new Expanded Bronze tier offers many new plans that may fit both your budget and your benefit needs.
Make Your First Payment
Use our convenient online application to make your first payment. The application must be completed and signed electronically. If you need help with your application, call Individual Sales at 855-442-0220, or call your agent.
You'll need to make your first month's payment before you will receive an ID card.
Want to see a Contract or Summary of Benefits and Coverage? Search here.
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.