Bridgespan Health Insurance in Cedar City, Utah

Bridgespan Health Insurance is not listed among the confirmed carriers offering marketplace plans in Cedar City's Rating Area 5 for 2026.
In 2026, three carriers—Molina Healthcare, Select Health, and University of Utah Health Plans—offer marketplace coverage in Rating Area 5, which includes Iron and Washington counties.
Utah's marketplace, HealthCare.gov, primarily offers HMO and EPO plans; PPO plans are not available on-exchange in Cedar City.
Adults in Cedar City with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which expanded in 2020.

Navigating health insurance options in Cedar City, Utah, involves understanding which carriers operate in your specific area and what types of plans they offer. For residents seeking Bridgespan Health Insurance, it's important to note that, for the 2026 plan year, Bridgespan is not listed among the confirmed carriers offering plans on HealthCare.gov for Rating Area 5, which covers Iron and Washington counties. This article will guide you through the available options in Cedar City, explain how to find suitable coverage, and outline key eligibility criteria for subsidies and Utah Medicaid.

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 Cedar City?

While Bridgespan Health Insurance is not a confirmed option for Cedar City residents in 2026, the Health Insurance Marketplace (HealthCare.gov) provides several choices. In 2026, three carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties: Molina Healthcare, Select Health, and University of Utah Health Plans. These carriers offer plans with varying levels of coverage and costs, categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Utah's marketplace primarily features HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPO plans offer a network of doctors and hospitals without requiring a PCP or referrals, but generally don't cover out-of-network care.

Understanding Subsidies and Utah Medicaid Eligibility in Cedar City

Many Cedar City residents can qualify for financial assistance to make health insurance more affordable. Premium tax credits, also known as subsidies, are available through HealthCare.gov to reduce your monthly premium payments. The amount of your subsidy depends on your household income and family size. These subsidies are designed to cap your premium costs at a percentage of your income, making coverage accessible even for those with moderate incomes. Utah expanded Medicaid in 2020 via a ballot initiative (Proposition 3). This means that adults in Cedar City with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. For a single individual, this threshold is approximately $20,782 per year (based on 2024 FPL figures, which are typically used for 2025 coverage and adjusted annually). For pregnant women, the eligibility threshold for Utah Medicaid extends up to 144% FPL. Additionally, Utah's CHIP program covers uninsured children in households with incomes up to 200% FPL. If your income falls within these ranges, you should apply through Utah's Medicaid portal at medicaid.utah.gov. For those with incomes between 100% and 400% FPL, subsidies are available to lower marketplace plan premiums. Individuals with incomes between 150% and 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) when they enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable for eligible individuals and families.

Health Insurance Carriers in Cedar City

For 2026, residents of Cedar City, which is part of Utah Rating Area 5, have access to a confirmed set of health insurance carriers on HealthCare.gov. In 2026, 3 carriers offer marketplace plans in Rating Area 5, which covers Iron and Washington counties:

Molina Healthcare
Select Health
University of Utah Health Plans

These carriers provide a range of HMO and EPO plans across different metal tiers. It is advisable to compare the networks, benefits, and costs of plans from each of these providers to find the best fit for your healthcare needs and budget. Remember to verify which specific plans are available for your ZIP code during the open enrollment period or if you qualify for a special enrollment period. Cedar City, with a population of 38,524 and an uninsured rate of 9.9% (per U.S. Census Bureau ACS 2024 5-year estimates), relies on these local carriers and the Cedar City Hospital for acute care services. Iron County, where Cedar City is located, has a population of 62,252 and an uninsured rate of 10.3%, making access to affordable health coverage critical for many residents.

Making Your Health Insurance Decision in Cedar City

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a general guide for Cedar City residents:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is 100% to 400% FPL: You are eligible for premium tax credits on HealthCare.gov. Explore Bronze, Silver, and Gold plans, paying close attention to the Silver plans if your income is between 150% and 250% FPL, as you may qualify for Cost-Sharing Reductions.
If your income is above 400% FPL: While you may not qualify for subsidies, you can still purchase plans through HealthCare.gov or directly from carriers off-exchange. Focus on finding a plan that balances monthly premiums with potential out-of-pocket costs and network access to facilities like Cedar City Hospital.

Consider your expected medical use for the year. If you anticipate frequent doctor visits or need specific prescription medications, a Gold plan with lower out-of-pocket costs might be more economical despite higher premiums. If you are generally healthy and seek catastrophic coverage, a Bronze plan with a high deductible may be suitable. A licensed health insurance producer can provide personalized guidance, helping you compare plans from Molina Healthcare, Select Health, and University of Utah Health Plans and navigate the application process at no cost to you.

Frequently Asked Questions

Can I get Bridgespan Health Insurance in Cedar City, Utah?

According to confirmed 2026 plan year data for Rating Area 5, which includes Cedar City, Bridgespan Health Insurance is not listed among the carriers offering plans on HealthCare.gov. Residents should explore plans from Molina Healthcare, Select Health, and University of Utah Health Plans.

What type of health insurance plans are available in Cedar City, Utah?

In Cedar City, Utah, marketplace plans available through HealthCare.gov primarily consist of HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah.

Who qualifies for Utah Medicaid in Cedar City?

Utah expanded Medicaid in 2020. Adults in Cedar City with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL for CHIP.

How do I apply for health insurance in Cedar City?

You can apply for health insurance through HealthCare.gov during the annual Open Enrollment Period, or if you qualify for a Special Enrollment Period due to a life event like marriage, birth, or loss of other coverage. For Utah Medicaid, applications are processed through medicaid.utah.gov.

Are there hospitals in Iron County, where Cedar City is located?

Yes, Iron County has one acute care hospital: Cedar City Hospital, located directly in Cedar City. When choosing a plan, ensure its network includes local facilities and providers you prefer.