BridgeSpan Health Insurance Plans in Cedar Hills, Utah
- In 2026, five carriers, including BridgeSpan Health Company, offer marketplace plans in Cedar Hills' Rating Area 4.
- Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for coverage.
- Cedar Hills residents typically choose between HMO and EPO plans on HealthCare.gov, as PPO plans are not available on-exchange in Utah.
- The uninsured rate in Cedar Hills is 6.9%, lower than Utah County's 7.5%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Options Are Available in Cedar Hills?
Residents of Cedar Hills, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. As Utah expanded Medicaid in 2020, individuals and families with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For those above Medicaid thresholds, the marketplace offers a range of subsidized plans. In 2026, marketplace plans in Cedar Hills' Rating Area 4 are offered by five distinct carriers. It is important to note that unlike some other states, PPO plans are not offered on-exchange in Utah; shoppers will choose between HMO and EPO network types.Understanding Plan Types: HMO vs. EPO
In Cedar Hills, marketplace plans are structured as either Health Maintenance Organizations (HMOs) or Exclusive Provider Organizations (EPOs).- HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing doctors outside their network.
- EPO Plans: EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. While they provide more flexibility than HMOs, they usually do not cover out-of-network care, except in emergencies.
How Do Subsidies and Medicaid Affect Health Insurance Costs in Cedar Hills?
The cost of health insurance in Cedar Hills can be significantly reduced through federal subsidies available on HealthCare.gov. These subsidies, known as Premium Tax Credits, are designed to lower your monthly premium based on your household income and size. Additionally, Cost-Sharing Reductions (CSRs) can reduce your deductibles, copayments, and out-of-pocket maximums, particularly for those who enroll in Silver-tier plans and have incomes below 250% FPL.Utah Medicaid Eligibility
Utah expanded its Medicaid program in 2020, making coverage available to adults with incomes up to 138% of the Federal Poverty Level. This means that many low-income residents of Cedar Hills who previously might have been uninsured can now qualify for comprehensive, low-cost or no-cost health coverage through Utah Medicaid. The program also offers specific coverage for pregnant women up to 144% FPL and children through CHIP up to 200% FPL. Applying for Utah Medicaid can be done through the state's Medicaid portal at medicaid.utah.gov.| Household Size | 100% FPL (Subsidy Start) | 138% FPL (Utah Medicaid Max) | 250% FPL (Enhanced Silver Max) | 400% FPL (Subsidy Cutoff) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
| These figures are approximate for 2026 and are subject to change. Actual FPL numbers are released annually. | ||||
Health Insurance Carriers in Cedar Hills
In 2026, five carriers offer marketplace plans in Rating Area 4, which includes Cedar Hills. These carriers provide a range of HMO and EPO plans to suit different needs and budgets. The confirmed local carriers are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Hospitals and Healthcare Access in Utah County
Cedar Hills is located in Utah County, which is served by a number of acute care hospitals. These facilities provide essential medical services to residents across the county. Major hospital systems with a presence in Utah County include Intermountain Health and Mountain View Hospital. The Intermountain Health Utah Valley Hospital in Provo is a significant facility in the region. Other hospitals serving Utah County residents include Mountain View Hospital in Payson, American Fork Hospital in American Fork, Orem Community Hospital in Orem, Timpanogos Regional Hospital in Orem, and Intermountain Health Spanish Fork Hospital in Spanish Fork. Cedar Hills, with a population of 9,950 and an uninsured rate of 6.9% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from access to these comprehensive healthcare resources within Rating Area 4.Making Your Health Insurance Decision in Cedar Hills
Choosing the right health insurance plan in Cedar Hills involves evaluating your healthcare needs, financial situation, and preferred providers.- 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 between 100% and 400% FPL: You are eligible for Premium Tax Credits to lower your monthly premiums on HealthCare.gov. Consider Enhanced Silver plans if your income is below 250% FPL, as these plans offer additional Cost-Sharing Reductions.
- If your income is above 400% FPL: You can still purchase a plan on HealthCare.gov, but you will pay the full premium without federal subsidies. Compare plans across the available carriers to find the best fit.
Frequently Asked Questions
Can I get a PPO health plan through HealthCare.gov in Cedar Hills?
No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Cedar Hills, and across Utah, choose between HMO and EPO network structures for subsidy-eligible plans.
What is the income limit for Utah Medicaid in Cedar Hills?
Adults in Cedar Hills with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For 2026, this threshold is $20,783 for an individual or $43,056 for a family of four.
How many health insurance carriers offer plans in Cedar Hills?
In 2026, five carriers offer marketplace health insurance plans in Rating Area 4, which includes Cedar Hills. These carriers are BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Is pregnancy a qualifying life event for special enrollment?
No, pregnancy itself is not typically a qualifying life event for a Special Enrollment Period on HealthCare.gov. However, the birth of a baby is a qualifying life event that allows you to enroll in or change a health plan. Utah Medicaid does offer specific coverage for pregnant women with incomes up to 144% FPL.