Bridgespan Health Insurance in Grand County, Utah
- Bridgespan does NOT offer health insurance plans on the HealthCare.gov marketplace in Grand County for 2026.
- Two carriers, Select Health and University of Utah Health Plans, provide marketplace options in Utah Rating Area 6.
- Grand County residents with incomes up to 138% FPL may qualify for Utah Medicaid, while subsidies are available for higher incomes.
- The average uninsured rate in Grand County is 10.9%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Carriers Offer Marketplace Plans in Grand County?
For 2026, residents of Grand County seeking health insurance through HealthCare.gov have options from two confirmed carriers. These carriers offer plans within Utah Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. The carriers confirmed to offer marketplace plans in Utah Rating Area 6 for the 2026 plan year are:- Select Health
- University of Utah Health Plans
Understanding Your Health Insurance Options in Grand County
Choosing a health insurance plan involves several factors, including your income, health needs, and preferred doctors. In Grand County, Utah, you'll primarily find HMO and EPO plans on HealthCare.gov.HMO (Health Maintenance Organization) Plans
HMO plans typically require you to choose a primary care provider (PCP) within their network. This PCP then refers you to specialists if needed. HMOs generally have lower monthly premiums and out-of-pocket costs, but they offer less flexibility in choosing providers outside their network.EPO (Exclusive Provider Organization) Plans
EPO plans offer a bit more flexibility than HMOs, as you usually don't need a referral to see a specialist. However, like HMOs, EPOs generally do not cover care received from out-of-network providers, except in emergencies. Premiums and deductibles can vary, often falling between HMO and PPO costs (though PPOs are not on-exchange in Utah).Financial Assistance: Subsidies and Utah Medicaid
Many Grand County residents qualify for financial assistance, which can significantly lower the cost of health insurance premiums and out-of-pocket expenses.- Premium Tax Credits: These subsidies reduce your monthly premium and are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL).
- Cost-Sharing Reductions (CSRs): Available to those with incomes up to 250% FPL, CSRs reduce your deductibles, copayments, and out-of-pocket maximums. To receive CSRs, you must enroll in a Silver-tier plan.
- Utah Medicaid: Utah expanded Medicaid in 2020. Adults with household incomes up to 138% FPL qualify for comprehensive Utah Medicaid coverage. For pregnant women, the threshold is 144% FPL, and for children under Utah CHIP, it's 200% FPL. This is a critical difference from states without Medicaid expansion, ensuring a safety net for lower-income residents.
Local Healthcare Landscape in Grand County
Grand County, with a population of 9,754 and a median age of 40.8 years, presents a unique healthcare landscape. The county has an uninsured rate of 10.9% and a poverty rate of 13.3%, per U.S. Census Bureau ACS 2024 5-year estimates. It's important to note that Grand County has no acute care hospitals within its boundaries. This means that residents needing acute or emergency care must travel to neighboring counties for hospital services. When selecting a health plan, consider the networks of Select Health and University of Utah Health Plans to ensure access to facilities and specialists in nearby areas that are convenient for you.How to Choose the Right Plan in Grand County
Navigating your health insurance options requires careful consideration of your personal circumstances. Here's a guide to help you make an informed decision:| Your Situation | Recommended Action | Key Considerations |
|---|---|---|
| Income below 138% FPL (e.g., ~$20,782 for an individual) | Apply for Utah Medicaid. | Utah expanded Medicaid, offering comprehensive, low-cost coverage. Apply through medicaid.utah.gov. |
| Income 100-250% FPL (e.g., ~$15,060 - $37,650 for an individual) | Enroll in an Enhanced Silver plan through HealthCare.gov. | You'll qualify for both premium tax credits and significant Cost-Sharing Reductions, lowering your out-of-pocket costs substantially. |
| Income 251-400% FPL (e.g., ~$37,651 - $60,240 for an individual) | Compare Silver, Gold, and Bronze plans on HealthCare.gov, utilizing premium tax credits. | You'll receive premium tax credits. Consider a Bronze plan for low premiums, a Silver plan for moderate costs, or a Gold plan for lower out-of-pocket expenses. |
| Income above 400% FPL (e.g., over $60,240 for an individual) | Explore all available plans on HealthCare.gov. | You won't qualify for premium tax credits, but you can still access competitive plans from Select Health and University of Utah Health Plans. |
Frequently Asked Questions
Are Bridgespan plans available on HealthCare.gov in Grand County?
No, Bridgespan does not offer marketplace health insurance plans in Grand County, Utah, for the 2026 plan year. Residents can choose from two other carriers: Select Health and University of Utah Health Plans.
What are the income limits for Utah Medicaid in Grand County?
Adults in Grand County with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For a single individual, this is approximately $20,782 per year in 2026. Higher thresholds apply for pregnant women (144% FPL) and children (200% FPL) under Utah CHIP.
What types of health plans are available in Grand County?
On the HealthCare.gov marketplace in Grand County, consumers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah for 2026.
How many carriers offer marketplace plans in Grand County, Utah?
For 2026, there are 2 carriers offering marketplace health insurance plans in Grand County, Utah. These are Select Health and University of Utah Health Plans, serving Utah Rating Area 6.