BridgeSpan Health Insurance Plans in Bountiful, Utah

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

BridgeSpan Health Company is one of 4 carriers offering marketplace plans in Bountiful's Rating Area 3 for 2026.
Marketplace plans in Utah primarily feature HMO and EPO networks; PPO plans are not available on-exchange.
Bountiful, with a population of 45,023, has an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level.

If you're looking for health insurance options in Bountiful, Utah, BridgeSpan Health Company is one of the carriers that offers plans through the HealthCare.gov marketplace. As a resident of Bountiful, located in Davis County, you have access to a range of subsidized plans designed to make coverage more affordable. Utah operates a federal marketplace, meaning you'll use HealthCare.gov to compare plans, check eligibility for financial assistance, and enroll in coverage. Understanding your options, including network types, subsidy eligibility, and local provider access, is key to choosing the right plan for your needs.

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What Health Insurance Plans Are Available in Bountiful?

In Bountiful, Utah, residents primarily choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. Unlike some other states, PPO plans are not available on-exchange in Utah, so your marketplace choice will focus on the HMO and EPO network structures. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, each offering different levels of cost-sharing:

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who primarily want protection against catastrophic medical costs and expect to use healthcare services infrequently.
Silver Plans: Silver plans offer a balance between premiums and out-of-pocket costs. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), as these subsidies significantly lower deductibles, copayments, and coinsurance, making Silver plans much more comprehensive.
Gold Plans: With higher monthly premiums than Bronze or Silver, Gold plans offer lower deductibles and out-of-pocket costs when you receive care. These plans are suitable for individuals who expect to use medical services regularly and prefer more predictable costs throughout the year.

All plans available on HealthCare.gov cover essential health benefits, including doctor visits, hospital care, prescription drugs, mental health services, and maternity care.

Understanding Financial Assistance and Utah Medicaid Eligibility

Many Bountiful residents qualify for financial assistance to make health insurance more affordable. This assistance comes in two main forms:

Advance Premium Tax Credits (APTCs): These subsidies reduce your monthly premium payment. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL may qualify for APTCs.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You may qualify for CSRs if your income is up to 250% FPL.

Utah also has an expanded Medicaid program, which significantly impacts eligibility for low-income residents. Unlike states without expansion, adults in Utah with household incomes up to 138% FPL may qualify for Utah Medicaid. This means that individuals in the 100-138% FPL range who might otherwise fall into a "coverage gap" in non-expansion states are eligible for comprehensive, low-cost or no-cost coverage through Utah Medicaid. For pregnant women, the income threshold for Utah Medicaid is 144% FPL, and for children under the Children's Health Insurance Program (CHIP), it's 200% FPL. You can apply for these programs directly through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Bountiful

For 2026, residents of Bountiful, Utah, have options from multiple health insurance carriers on the HealthCare.gov marketplace. Bountiful is part of Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3:

BridgeSpan Health Company
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

When selecting a plan, consider not only the premium and deductible but also the network of doctors and hospitals. Davis County, which includes Bountiful, is served by 4 acute care hospitals, including Lakeview Hospital in Bountiful and Holy Cross Hospital-davis in Layton. BridgeSpan Health Company, along with the other carriers, will have specific networks that determine which of these facilities and providers are in-network for your plan. Bountiful, with a population of 45,023 and a median income of $104,785, has an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This is comparable to the broader Davis County, which has a population of 370,924 and an uninsured rate of 5.7%.

Choosing the Right BridgeSpan Plan in Bountiful

Selecting the best BridgeSpan Health Company plan, or any other carrier's plan, involves assessing your healthcare needs, budget, and eligibility for financial assistance. Here’s a guide to help you decide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This is typically the most comprehensive and lowest-cost option. Apply through medicaid.utah.gov.
If your income is between 100% and 250% FPL: You will likely qualify for significant Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs). A Silver plan with CSRs often provides the best value, offering lower out-of-pocket costs in addition to reduced premiums.
If your income is between 250% and 400% FPL: You are still eligible for APTCs to lower your monthly premiums. Compare Bronze, Silver, and Gold plans carefully, considering your expected healthcare usage. Bronze plans may be suitable if you rarely visit the doctor, while Gold plans offer lower out-of-pocket costs for frequent care.
If your income is above 400% FPL: While you won't qualify for subsidies, you can still purchase a plan through HealthCare.gov. Focus on finding a plan that balances your preferred premium with the deductible and copayment structure that suits your expected medical needs.

A licensed health insurance agent can provide personalized guidance, helping you navigate the options from BridgeSpan Health Company and other carriers, understand your subsidy eligibility, and enroll in a plan that meets your specific situation at no cost to you.

Frequently Asked Questions

What types of BridgeSpan plans are available in Bountiful, Utah?

In Bountiful, Utah, BridgeSpan Health Company offers health insurance plans through the HealthCare.gov marketplace. These plans utilize HMO and EPO network structures, as PPO plans are not available on-exchange in Utah. You can compare specific plan details and network types when you shop for coverage.

Can I get a subsidy for BridgeSpan plans in Bountiful?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. Additionally, individuals with income up to 250% FPL may be eligible for Cost-Sharing Reductions (CSRs) on Silver plans, which help reduce out-of-pocket costs like deductibles and copayments.

What are the income limits for Utah Medicaid in Bountiful?

Utah expanded Medicaid in 2020, meaning adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold is 144% FPL, and for children under CHIP, it is 200% FPL. You can apply through Utah's Medicaid portal at medicaid.utah.gov.

How do I enroll in a BridgeSpan plan in Bountiful?

You can enroll in a BridgeSpan Health Company plan through HealthCare.gov during the annual Open Enrollment Period, or if you experience a Qualifying Life Event (QLE) that triggers a Special Enrollment Period (SEP). These QLEs include marriage, birth of a child, loss of other coverage, or moving to a new service area. A licensed agent can assist you with the application process for free.