Most searches for SelectHealth are members trying to log in. This page is not that. It is for the other group: people in Utah, Idaho, Nevada or Colorado deciding whether to buy a SelectHealth plan, and wanting a number before they hand over an email address.
SelectHealth is a regional plan, and that word does real work here. It dominates one state, has a real but smaller presence in three others, and is nearly invisible outside the Mountain West. The prices below are Utah prices for the 2026 plan year, drawn from two independent sources that agree to the cent, and the section on footprint explains exactly why they are Utah prices and not national ones.
What Is SelectHealth
SelectHealth is a Utah-based nonprofit health plan that says it is integrated with Intermountain Health, and with UCHealth in Colorado, and that it serves more than 1.1 million members across the Mountain West after more than 40 years in business. Its offices are in Colorado, Idaho, Nevada and Utah.
The integration is the point. When the insurer and a large share of the hospitals and clinics belong to the same organization, network steering is not a negotiating tactic, it is the business model. That produces tighter cost control and a smoother referral experience inside the system, and a harder wall outside it.
In Utah that model has produced something rare in the individual market: near-dominance. CMS issuer-level data for calendar 2025 puts SelectHealth’s average monthly Marketplace enrollment at 262,614, which is 66.4% of Utah’s 395,783 individual enrollees. No other carrier in this cluster comes close to that concentration in a single state.
Where SelectHealth Actually Sells
This is where most write-ups go wrong, so be precise about it.
SelectHealth’s own individual and family page offers ACA plans in Utah, Idaho, Nevada and Colorado. Its corporate page names the same four states as office locations. Worth noting: the browser title on that individual and family page reads “UT, CO, ND & ID,” which does not match the four states the page body lists. Treat the body copy as the reliable version.
The premium data below covers Utah only, and there is a structural reason for that. CMS’s Exchange Public Use Files cover states on the federally facilitated exchange plus state-based exchanges that use the federal platform. Idaho, Nevada and Colorado all run their own full state-based exchanges, so their filings sit with those states, not in the federal file. Utah uses healthcare.gov, so Utah is what CMS publishes.
Inside Utah, the Utah Insurance Department lists SelectHealth, Inc. as the only individual health benefit plan insurer available statewide for 2026. Every other Utah carrier is county-limited: BridgeSpan and Regence in 16 counties, Molina in 13, University of Utah Health Plans in 26, and Imperial in 2.
How the Networks Work
SelectHealth sells three networks in Utah, and picking one is most of the price decision:
- Select Health Med is the largest, with more than 600 facilities and 14,000 providers across Utah plus some areas of Idaho and Nevada.
- Select Health Value is mid-sized, with more than 600 facilities and over 13,500 providers in Utah and some Nevada areas.
- Select Health Signature is the low-cost option, with more than 450 facilities and over 8,900 providers along the Wasatch Front.
The Utah Insurance Department’s 2026 filing shows how differently those travel. Med plans are filed in all 29 Utah counties. Value plans appear in 9. Signature plans appear in only 4: Davis, Salt Lake, Utah and Weber. If you live in rural Utah, “SelectHealth is statewide” in practice means the Med network is statewide, and that is the more expensive one.
All of these are HMOs, so there is effectively no out-of-network benefit. Before you enroll, it is worth understanding what in-network versus out-of-network really means and how an HMO differs from a PPO.
What SelectHealth Costs in 2026
Two sources, computed independently, agree exactly. CMS’s 2026 Exchange Rate Public Use File, which CMS says was last imported to its systems by August 4, 2026, publishes filed rates by plan, rating area and age. The Utah Insurance Department publishes the same book as age-21 non-tobacco rates plus Utah’s own age curve, in a file dated October 7, 2025. Running the department’s age-21 figures through its published age-40 factor of 1.479 reproduces the CMS numbers to the cent.
Every figure below is a full monthly premium for a 40-year-old non-smoker in Utah, before any premium tax credit.
| 2026 metal level | Cheapest | Median | Most expensive | Deductible | Out-of-pocket max |
|---|---|---|---|---|---|
| Expanded bronze | $472.44 | $611.42 | $888.37 | $0 to $7,500 | $10,000 to $10,500 |
| Silver | $559.31 | $710.92 | $1,124.79 | $3,000 to $6,000 | $8,900 to $9,500 |
| Gold | $646.15 | $803.64 | $1,253.74 | $0 to $2,000 | $8,000 to $8,950 |
| Platinum | $919.21 | $1,211.47 | $1,756.44 | $0 | $5,200 to $8,950 |
| All 21 plans | $472.44 | $780.90 | $1,756.44 |
Three notes on those numbers.
SelectHealth is not the cheap option. Its $780.90 median sits above the roughly $692 national median across 4,044 individual plans in CMS’s 2026 file. You are buying a higher-rated, tightly integrated plan, not a bargain.
The county spread is wide. The same plan can differ by 50% or more between rating areas. Utah has six rating areas and SelectHealth files in all of them, so a Salt Lake County quote tells you almost nothing about a Beaver County quote.
Silver deductibles fall hard with cost-sharing reductions. SelectHealth’s standard silver deductibles run $3,000 to $6,000. The 94% actuarial value silver variants it filed for 2026 carry a $0 deductible and out-of-pocket maximums of $2,200 to $3,000. Those only attach to silver plans, so check how cost-sharing reductions work before buying bronze to shave the premium.
One market-wide caveat applies to every figure above. The enhanced federal premium tax credits expired on December 31, 2025 and have not been restored as of September 2026, so the gap between these gross premiums and what you actually pay is smaller than it was in 2025. See what the subsidy expiration changed.
Is SelectHealth Good Insurance?
CMS rates Marketplace plans 1 to 5 stars on medical care, member experience and plan administration, with 5 the highest. In the plan year 2026 nationwide file, SelectHealth’s single rated Utah product scores:
| Category | SelectHealth Utah | National context |
|---|---|---|
| Overall | 4 stars | 3.41 mean, 3 median, across 298 products |
| Medical care | 3 stars | |
| Member experience | not reported | |
| Plan administration | 5 stars |
That 4-star overall rating puts it above the national average and above every other carrier examined in this cluster. Be honest about the limits, though: this is one rated product, so it is a strong signal about SelectHealth in Utah, not a company-wide quality score covering Idaho, Nevada or Colorado.
There is a second, subtler signal in the Utah filing. SelectHealth holds the benchmark plan, the second-lowest-cost silver plan that sets the subsidy amount, in 10 of Utah’s 29 counties, including all four of the largest by population: Salt Lake, Utah, Davis and Weber. A carrier that sets the benchmark in the population centers is pricing aggressively where it matters most to subsidized buyers.
Who Should Buy It and Who Should Skip It
Buy it if you already get your care inside Intermountain Health, or you live in rural Utah where SelectHealth may be one of very few options with a full county footprint. The department’s 2026 list shows several carriers covering fewer than half the state’s counties.
Buy it if quality ratings move you more than price. Four stars against a 3.41 national mean, with a 5 for plan administration, is a real differentiator in a market where most plans cluster at 3.
Skip it if your doctors are outside the Intermountain or UCHealth orbit, or you split time between states. These are HMOs, and the wall around them is real.
Skip it if premium is your binding constraint. Utah has six individual carriers for 2026, and SelectHealth’s median sits above the national median of $691.56. Compare against Molina Healthcare, which files in 13 Utah counties, before defaulting to the incumbent.
SelectHealth vs. the Other Regional Nonprofits
SelectHealth belongs to a small category: provider-owned regional nonprofits that beat the national carriers on ratings and lose to them on breadth. Medica plays the same role across the Upper Midwest. In Colorado, SelectHealth is the challenger rather than the incumbent, going up against national names and Blues plans like Anthem Blue Cross and Blue Shield.
The trade is consistent across all of them. You get better service scores, tighter care coordination and a plan that is easier to deal with, in exchange for a network you cannot leave and, in SelectHealth’s case, a premium above the national middle.
The Bottom Line
SelectHealth costs $472 to $1,756 a month for a 40-year-old in Utah in 2026 before subsidies, with a median of $781, and it is the only individual carrier the state lists as statewide. Its Utah product is rated 4 out of 5 CMS stars, the best in this comparison, and it covers roughly two-thirds of Utah’s Marketplace. It is a good plan that costs slightly more than average, not a cheap one. If you are self-employed and shopping for yourself, what self-employed health insurance actually costs is the next thing to read, and if a claim goes sideways later, how to appeal a denial explains the process.