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

BridgeSpan Health Insurance Plans in Box Elder County, Utah

BridgeSpan Health Company is one of four carriers offering marketplace plans in Box Elder County for 2026.
Utah's marketplace (HealthCare.gov) offers only HMO and EPO plans; PPOs are not available on-exchange.
Box Elder County residents with income up to 138% FPL may qualify for Utah Medicaid, which expanded in 2020.
The average uninsured rate in Box Elder County is 8.0%, per U.S. Census Bureau ACS 2024 5-year estimates.

BridgeSpan Health Company offers a range of health insurance plans to residents of Box Elder County, Utah, available through the federal marketplace at HealthCare.gov. As one of the confirmed carriers for Rating Area 2, which covers Box Elder, Morgan, and Weber counties, BridgeSpan Health Company provides options for individuals and families seeking subsidized coverage. Your eligibility for financial assistance, such as premium tax credits and cost-sharing reductions, depends on your household income relative to the Federal Poverty Level (FPL). Understanding the available plan types—HMOs and EPOs—and how they integrate with local healthcare providers like Brigham City Community Hospital and Bear River Valley Hospital is crucial for selecting the right coverage.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Are Available in Box Elder County?

Residents of Box Elder County, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. For the 2026 plan year, four carriers offer plans in Rating Area 2, which includes Box Elder County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. It is important to note that, unlike some other states, PPO plans are not available on-exchange in Utah; marketplace shoppers will choose between HMO and EPO network structures. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum.

Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed for individuals who anticipate needing minimal medical care or who want protection against catastrophic medical costs. Bronze plans cover 60% of average healthcare costs, with you paying 40%.
Silver Plans: Silver plans offer moderate premiums and deductibles. They are a popular choice because they are the only plans eligible for cost-sharing reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums if your income is below 250% FPL. Silver plans cover 70% of average healthcare costs, with you paying 30% (more with CSRs).
Gold Plans: With higher monthly premiums than Silver, Gold plans have lower deductibles and out-of-pocket costs. They are suitable for individuals who expect to use medical services frequently and prefer to pay more upfront to have lower costs when they receive care. Gold plans cover 80% of average healthcare costs, with you paying 20%.

Box Elder County, part of Utah Rating Area 2, serves a population of 61,246 with a median income of $84,550, per U.S. Census Bureau ACS 2024 5-year estimates. The county's uninsured rate stands at 8.0%, which is lower than the state average. Local acute care is provided by facilities such as Brigham City Community Hospital in Brigham City and Bear River Valley Hospital in Tremonton.

Understanding BridgeSpan Health Company Plans in Your Area

BridgeSpan Health Company is a key provider of health insurance in Box Elder County. When evaluating BridgeSpan Health Company plans, it's essential to consider their network structure and how it aligns with your preferred doctors and hospitals. As plans in Utah are typically HMOs or EPOs, understanding the differences is crucial:

HMO (Health Maintenance Organization): These plans usually require you to choose a primary care provider (PCP) within the network who then refers you to specialists. Out-of-network care is generally not covered, except in emergencies.
EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals you can use without a referral. Like HMOs, they typically do not cover out-of-network care, except in emergencies.

Reviewing the specific plan documents for any BridgeSpan Health Company plan you consider will provide details on its network, covered benefits, and cost-sharing requirements.

Financial Assistance and Utah Medicaid in Box Elder County

Many Box Elder County residents qualify for financial assistance to make health insurance more affordable.

Premium Tax Credits (Subsidies): If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may be eligible for premium tax credits. These credits reduce your monthly premium, making plans from carriers like BridgeSpan Health Company more accessible.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. You qualify for CSRs if your income is below 250% FPL.

Utah expanded Medicaid in 2020 through a ballot initiative. This means adults in Box Elder County with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. For example, a single adult earning up to approximately $20,783 annually or a family of three earning around $35,229 annually could be eligible. Unlike states without expansion, there is no "coverage gap" in Utah; those below 100% FPL can qualify for Medicaid, and those above can receive subsidies. Specialized Medicaid programs also support vulnerable populations:

Pregnant Women Medicaid: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
CHIP for Children: The Children's Health Insurance Program (CHIP) in Utah provides coverage for uninsured children in households with incomes up to 200% FPL.

Health Insurance Carriers in Box Elder County

For the 2026 plan year, four carriers offer marketplace health insurance plans in Rating Area 2, which covers Box Elder, Morgan, and Weber counties. These carriers provide a range of HMO and EPO options to suit different healthcare needs and budgets.

BridgeSpan Health Company: Offers various plans across the metal tiers, providing options for individuals and families.
Regence BlueCross BlueShield of Utah: A well-established insurer with a broad network of providers in the region.
Select Health: A local Utah-based health plan known for its integrated healthcare system.
University of Utah Health Plans: Provides access to the University of Utah Health system and its affiliated providers.

When comparing plans, always verify that your preferred doctors and specialists are within the network of the plan you choose.

Making the Right Health Plan Decision in Box Elder County

Choosing the right health insurance plan in Box Elder County involves assessing your healthcare needs, budget, and eligibility for financial assistance.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply through medicaid.utah.gov to access comprehensive, low-cost coverage.
If your income is between 100% and 250% FPL: Consider a Silver plan on HealthCare.gov. You'll likely qualify for significant premium tax credits and cost-sharing reductions, making it the most affordable option with robust benefits.
If your income is above 250% FPL: Evaluate Bronze, Silver, and Gold plans based on your anticipated medical use. Bronze plans are good for catastrophic coverage, while Gold plans offer lower out-of-pocket costs for frequent users. You may still qualify for premium tax credits up to 400% FPL.

A licensed health insurance producer can provide personalized guidance, help you compare plans from BridgeSpan Health Company and other carriers, and assist with enrollment on HealthCare.gov—all at no cost to you.

Frequently Asked Questions

Are PPO plans available on HealthCare.gov in Box Elder County?

No, PPO plans are not available on-exchange in Utah. Shoppers in Box Elder County, and throughout Utah, will find marketplace plans structured as HMO and EPO networks on HealthCare.gov.

What income qualifies for Utah Medicaid in Box Elder County?

Utah expanded Medicaid in 2020. Adults in Box Elder County with income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult earning up to approximately $20,783 per year could be eligible.

How many health insurance carriers offer plans in Box Elder County?

For the 2026 plan year, four carriers offer marketplace health insurance plans in Rating Area 2, which includes Box Elder County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Can I get a subsidy for a BridgeSpan Health Company plan in Box Elder County?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level, you may qualify for premium tax credits (subsidies) to lower the cost of a BridgeSpan Health Company plan, or any other marketplace plan, on HealthCare.gov.