BridgeSpan Health Insurance Plans in Davis County, Utah

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

Navigating health insurance options in Davis County, Utah, for 2026 involves understanding the plans offered by carriers like BridgeSpan Health Company through the federal marketplace, HealthCare.gov. For residents of Davis County, BridgeSpan Health Company provides a range of health plans, primarily utilizing HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. Your eligibility for financial assistance, such as premium tax credits or cost-sharing reductions, depends on your household income relative to the Federal Poverty Level (FPL). For those with lower incomes, Utah Medicaid, which expanded in 2020, may be a viable option, covering adults up to 138% FPL.

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What BridgeSpan Health Company Plans Are Available in Davis County?

In Davis County, BridgeSpan Health Company offers health insurance plans exclusively with HMO and EPO network designs through HealthCare.gov. Unlike some other states, Utah's marketplace does not offer PPO plans, meaning your choices for on-exchange coverage will be limited to these two structures. HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside the network. EPO Plans: EPO plans offer more flexibility than HMOs by not requiring a PCP referral to see specialists, but you must still stay within the plan's network for care to be covered. Out-of-network care is generally not covered, except in emergencies. When selecting a BridgeSpan Health Company plan, consider your preferred doctors, hospitals, and your willingness to manage referrals. The four acute care hospitals in Davis County — Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful — are important considerations for in-network care.

Understanding Financial Assistance for BridgeSpan Health Company Plans

Many Davis County residents can significantly reduce the cost of health insurance through subsidies available on HealthCare.gov. These financial aids are designed to make coverage more affordable. Premium Tax Credits (APTCs): If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits. These credits can be applied directly to your monthly premiums, lowering your out-of-pocket cost. The exact amount depends on your income, household size, and the cost of the benchmark Silver plan in your area. Cost-Sharing Reductions (CSRs): Available to individuals and families with incomes up to 250% FPL, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. These reductions can make a Silver plan's benefits comparable to a Gold or Platinum plan at a much lower cost. For example, an individual in Davis County earning $35,000 annually (approximately 238% FPL for a single person in 2026) would likely qualify for both premium tax credits and cost-sharing reductions, making a Silver plan from BridgeSpan Health Company highly affordable.

Utah Medicaid and CHIP Eligibility in Davis County

Utah expanded its Medicaid program in 2020, a significant change that provides health coverage to more residents of Davis County. If your income is below certain thresholds, you may qualify for Utah Medicaid or the Children's Health Insurance Program (CHIP). Adults: Adults in Utah with household income up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. This means that if you earn less than this amount, you may qualify for comprehensive health coverage at little to no cost, a critical difference from states that have not expanded Medicaid. Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov). Children: The Children's Health Insurance Program (CHIP) provides coverage for uninsured children in households with incomes up to 200% FPL. These programs offer vital safety nets, ensuring that many low-income families and individuals in Davis County have access to necessary medical care without facing financial hardship.

Health Insurance Carriers in Davis County

Davis County is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. This multi-county rating area determines the specific carriers and plans available to residents. In 2026, four carriers offer marketplace plans in Rating Area 3, providing a competitive selection for shoppers. The confirmed carriers for Davis County in 2026 are: Each of these carriers offers a variety of HMO and EPO plans across the Bronze, Silver, Gold, and Catastrophic tiers. When comparing plans, it's essential to look beyond just the monthly premium. Consider the deductible, copayments for common services, the maximum out-of-pocket limit, and whether your preferred doctors and specialists are in-network for each plan. Davis County, with a population of 370,924 and an uninsured rate of 5.7% (per U.S. Census Bureau ACS 2024 5-year estimates), serves as a key economic and residential hub within Rating Area 3. Its four acute care hospitals provide a robust healthcare infrastructure, supporting the county's median income of $110,884.

Choosing the Right BridgeSpan Health Company Plan

Selecting the best BridgeSpan Health Company plan depends on your specific health needs, financial situation, and how you typically use medical services. Here’s a guide to help you decide:
Your Situation Recommended Plan Tier / Action Why it Works
Low income (below 138% FPL) Apply for Utah Medicaid You likely qualify for comprehensive, low-cost or no-cost coverage due to Utah's Medicaid expansion.
Moderate income (138%-250% FPL) with frequent medical needs BridgeSpan Health Company Silver plan with CSRs You'll receive significant premium tax credits and cost-sharing reductions, lowering your deductible and out-of-pocket maximum.
Moderate income (138%-250% FPL) with infrequent medical needs BridgeSpan Health Company Bronze or Silver plan Bronze plans have lower premiums but higher out-of-pocket costs. A Silver plan with CSRs might still be more cost-effective due to reduced deductibles.
Higher income (250%-400% FPL) with frequent medical needs BridgeSpan Health Company Gold plan Gold plans have higher premiums but lower deductibles and out-of-pocket costs, making them good for predictable, high usage. Premium tax credits may still apply.
Higher income (250%-400% FPL) with infrequent medical needs BridgeSpan Health Company Bronze or Silver plan Bronze plans offer the lowest premiums for catastrophic coverage. Silver plans provide a balance of premium and cost-sharing, often with premium tax credits.
Younger than 30 or hardship exemption BridgeSpan Health Company Catastrophic plan Lowest premiums, high deductible, primarily for emergencies. Only available to those under 30 or with a hardship exemption.
Consider your expected healthcare utilization for the year. If you anticipate many doctor visits, prescriptions, or a potential hospital stay, a plan with a lower deductible (like Silver or Gold) might save you money in the long run, even with a higher monthly premium. If you are generally healthy and only expect preventive care, a Bronze plan from BridgeSpan Health Company could be sufficient, especially if you qualify for premium tax credits.

Frequently Asked Questions

What types of health plans does BridgeSpan Health Company offer in Davis County?
In Davis County, BridgeSpan Health Company offers plans with HMO and EPO network structures through HealthCare.gov. PPO plans are not available on-exchange in Utah.
Can I get a subsidy for a BridgeSpan Health Company plan in Davis County?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies to lower your monthly premiums. Individuals or families with income below 138% FPL may qualify for Utah Medicaid instead.
Is Medicaid an option in Davis County for BridgeSpan Health Company members?
Utah expanded Medicaid in 2020, meaning adults with income up to 138% FPL may qualify for Utah Medicaid. If you meet the income requirements, Medicaid could be a no-cost or low-cost alternative to private insurance.
How many health insurance carriers are available in Davis County's marketplace?
For the 2026 plan year, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Davis County. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

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