Renew Active. You can have up to three gym memberships. LA Fitness is nationwide for free. Planet Fitness is free for one gym, ~$15/month for nationwide gyms. I imagine the YMCA is one of the gym possibilities.
As Trailwalker said, there's no limit on the number of gyms you can join with Renew Active. With the nationwide chains like Crunch and LA Fitness, one membership works for all locations (and it's interesting that the purple tag thing for Anytime Fitness worked in Australia and Japan).
The exception to this is Planet Fitness. Not all Planet Fitness locations accept Renew Active, and even among the ones that do, you have to sign up for a membership at each location you want to go to, and it's the basic $15 membership (no access to other clubs, no hydromassage or guest passes). But you can sign up at every one in the country that participates.
Or you can pay some amount (I think it was $10/month) in addition to the free Renew Active membership and get a Black Card membership, which doesn't limit you to one location. But alternatively, you can just sign up individually at each location you want to go to--assuming they participate in Renew Active. What I don't know is if you pay the extra to get a Black Card with a Renew Active membership, does that give you access to locations that don't otherwise accept Renew Active? I didn't look into it.
I belong to probably 20 gyms, including the majors plus a bunch of local ones (YMCA, rec center). Before Club Pilates stopped participating, I belonged to about 25 of those. So there's definitely no limit.
The OP is in Salt Lake City. I'm going to be there for a while this summer, so I was looking at the Renew Active options. The YMCA isn't on the list, but I investigated and I don't think the Y has a fitness program for adults. But the county has several recreation centers around that do have fitness facilities for adults.
To OP, I assume your question was answered. I wish to opine that Renew Active (UHC) was really good. Now I am with some other insurance company. They use Silver Sneakers. It is also excellent. Use this benefit a lot.
Depending on the area, I find Renew Active to have a slightly better network than Silver Sneakers. They have similar coverage, bordering on identical, for YMCAs and nationwide chains and local recreation/community centers through Renew Active and Silver Sneakers.
But sometimes one will have a gym that the other doesn't, and my experience is that it's usually Renew Active that has the extra gyms. In fact, in SLC, or actually Bountiful, there's a yoga studio that is in Renew Active's network and doesn't take Silver Sneakers. And like most of the fancier gyms, they limit the number of classes--usually four a month. And in SLC, Renew Active includes several locations of The Picklr and what looks to be a local pickleball facility, but neither is in Silver Sneakers' network. I know The Picklr has a limit on the number of open play sessions you can have, and I'm pretty sure the Renew Active membership doesn't allow me to reserve a court.
Another example is F45 and Solidcore and Barre3--they're are available with a supplement's Renew Active membership, but Silver Sneakers doesn't include those. And they limit the number of classes per month.
And in Houston, YMCAs are no long in the Renew Active network for Advantage members, but they are inlcuded in the network for people with supplements that include Renew Active.
If I was to add the Wellness option my UHC supplement plan would cost more each month than what I pay for my gym membership.
It depends on the gyms you like, and the area where you are. One thing I really like about Renew Active via a supplement is membership at Lifetime Fitness. They limit the hours you can go with the free membership (weekdays from 9:30 to 3:00, Saturday after 2:00, Sunday all day). But if all I wanted was to go to LA Fitness or my local YMCA, it could well be cheaper just to buy the membership on my own.
Finally, I'll note that the network for Renew Active gyms can be different if you have it pursuant to an Advantage plan than if it's pursuant to a supplement. And it appears to depend on which state the Advantage plan is from, even if you're looking at gyms in another state.