BridgeSpan Health Insurance Plans in Clearfield, Utah
- BridgeSpan Health Company is one of 4 carriers offering marketplace plans in Clearfield, Utah's Rating Area 3 for 2026.
- Utah's marketplace, HealthCare.gov, offers HMO and EPO plans; PPO plans are not available on-exchange.
- Adults in Clearfield with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which expanded in 2020.
- Clearfield's uninsured rate is 9.6%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Options Are Available in Clearfield?
In Clearfield, Utah, residents primarily access health insurance through HealthCare.gov, the federal marketplace. For the 2026 plan year, four carriers are confirmed to offer plans in Rating Area 3, which includes Davis, Salt Lake, Summit, Tooele, and Wasatch counties. BridgeSpan Health Company is one of these active carriers. The plan types available on-exchange in Utah are HMO and EPO plans. It is important to note that PPO (Preferred Provider Organization) plans are not offered on-exchange in Utah, meaning marketplace shoppers will choose between HMO and EPO network structures. These plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier offers a different balance between monthly premiums and out-of-pocket costs:- Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums, covering approximately 60% of medical costs.
- Silver plans offer moderate premiums and out-of-pocket costs, covering about 70% of medical costs. Crucially, Silver plans are the only tier eligible for Cost-Sharing Reductions (CSRs) for those who qualify, which can significantly lower deductibles, copayments, and out-of-pocket maximums.
- Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket maximums, covering around 80% of medical costs.
Understanding BridgeSpan Health Company Plans in Clearfield
BridgeSpan Health Company is a key provider in the Clearfield, Utah, health insurance marketplace. As a carrier confirmed to offer plans in Rating Area 3 for 2026, BridgeSpan Health Company contributes to the range of choices available to consumers. When selecting a plan from BridgeSpan Health Company, it's important to consider their network of providers, hospitals, and specialists within Davis County and the broader Rating Area 3. Davis County is served by four hospitals: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Clearfield, with a population of 33,523, has an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates. This rate is higher than the 5.7% uninsured rate for Davis County as a whole, indicating a significant portion of the city's residents may benefit from exploring marketplace options or Medicaid. When reviewing BridgeSpan Health Company plans, pay close attention to the specific network type (HMO or EPO) and the covered services, including prescription drug formularies and mental health benefits. An HMO plan typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists, while an EPO plan offers more flexibility to see specialists without a referral, as long as they are within the plan's network.Utah Medicaid and CHIP Eligibility in Clearfield
Utah expanded its Medicaid program in 2020 via Proposition 3, making it accessible to more residents in Clearfield. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, as it ensures that low-income adults have access to comprehensive health coverage. For specific populations in Clearfield:- Pregnant women may qualify for Utah Medicaid with household incomes up to 144% FPL. This coverage includes prenatal care, labor and delivery, and postpartum care.
- Children in families with household incomes up to 200% FPL may be eligible for Utah's Children's Health Insurance Program (CHIP).
How to Choose the Right Health Plan in Clearfield
Choosing the right health insurance plan in Clearfield involves evaluating your healthcare needs, financial situation, and preferred providers. Here are key steps:- Assess Your Income and Eligibility: Determine if you qualify for premium tax credits through HealthCare.gov or for Utah Medicaid. This will significantly impact your out-of-pocket costs. For example, if your income is below 138% FPL, explore Utah Medicaid first. If it's between 100-400% FPL, you'll likely receive subsidies on HealthCare.gov.
- Consider Your Healthcare Needs: If you have chronic conditions or anticipate frequent doctor visits, a Gold plan or a Silver plan with Cost-Sharing Reductions might offer better overall value despite higher premiums. For those who expect minimal healthcare use, a Bronze plan might be more suitable.
- Review Carrier Options: In Clearfield, you can choose from plans offered by BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Compare their specific plan offerings and provider networks.
- Check Provider Networks: Ensure your preferred doctors, specialists, and hospitals, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are included in the plan's network. This is especially important for HMO and EPO plans.
- Compare Plan Types (HMO vs. EPO): Decide whether you prefer the structure of an HMO, which typically requires a PCP and referrals, or the broader network access of an EPO, which usually doesn't require referrals but still limits coverage to in-network providers.
Health Insurance Carriers in Clearfield
For the 2026 plan year, 4 carriers offer marketplace plans in Clearfield, Utah's Rating Area 3. These carriers provide a range of HMO and EPO options to suit different needs and budgets. The confirmed carriers serving Clearfield and the broader Davis County area are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Frequently Asked Questions
What is the difference between an HMO and an EPO plan in Utah?
In Utah, both HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans are available on HealthCare.gov. An HMO typically requires you to choose a primary care provider (PCP) within its network and get referrals from your PCP to see specialists. An EPO plan usually does not require a PCP or referrals for specialists, but it generally only covers services from providers within its network, except in emergencies. PPO plans are not available on-exchange in Utah.
How does Utah's Medicaid expansion affect Clearfield residents?
Utah expanded Medicaid in 2020, meaning adults in Clearfield with household incomes up to 138% of the Federal Poverty Level (FPL) are now eligible for comprehensive health coverage. This expansion eliminates the "coverage gap" that exists in non-expansion states, providing a vital safety net for low-income individuals and families. Pregnant women and children also have higher FPL thresholds for Medicaid and CHIP eligibility, respectively.
Can I enroll in a BridgeSpan Health Company plan outside of open enrollment?
Generally, you can only enroll in a health insurance plan during the annual Open Enrollment Period. However, if you experience a Qualifying Life Event (QLE) such as losing other coverage, getting married, having a baby, or moving to a new rating area, you may be eligible for a Special Enrollment Period (SEP). This allows you to enroll in a new plan, including those from BridgeSpan Health Company, outside of the standard enrollment window.