BridgeSpan Health Insurance Plans in Herriman, Utah
- BridgeSpan Health Company is one of 5 confirmed carriers offering marketplace plans in Herriman's Rating Area 3 for 2026.
- All marketplace plans in Herriman, including BridgeSpan Health Company, utilize HMO and EPO network structures; PPO plans are not available on-exchange in Utah.
- Individuals and families in Herriman with incomes between 100% and 400% FPL may qualify for significant subsidies to reduce monthly premiums.
- Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for comprehensive, low-cost coverage.
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What Are Your BridgeSpan Health Company Plan Options in Herriman?
In Herriman, BridgeSpan Health Company primarily offers plans with Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. These plans are designed to provide comprehensive coverage within a defined network of doctors, hospitals, and specialists. It is important to note that, unlike some other states, PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means your marketplace choice for BridgeSpan Health Company and other carriers will focus on HMO and EPO options, which require you to select a primary care provider (PCP) and often need referrals for specialist visits (HMOs). When considering a BridgeSpan Health Company plan, you will find options across different metal tiers: Bronze, Silver, Gold, and sometimes Platinum. These tiers reflect the actuarial value of the plan, indicating the average percentage of healthcare costs the plan is expected to cover:- Bronze plans: Cover approximately 60% of costs, with you paying 40%. They have lower monthly premiums but higher deductibles and out-of-pocket maximums, ideal for those who anticipate minimal healthcare needs.
- Silver plans: Cover about 70% of costs, with you paying 30%. These are often the best value, especially if you qualify for Cost-Sharing Reductions (CSRs) that can significantly lower your deductibles, copayments, and out-of-pocket maximums.
- Gold plans: Cover around 80% of costs, with you paying 20%. They have higher monthly premiums but lower deductibles and out-of-pocket costs, suitable for those who expect to use medical services frequently.
How Do ACA Subsidies and Utah Medicaid Affect Your Coverage?
Many Herriman residents can access affordable health insurance from BridgeSpan Health Company and other carriers thanks to federal subsidies. These financial assistance programs are designed to make health coverage more accessible based on household income.Premium Tax Credits (PTC): If your household income falls 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 premium, reducing the amount you pay out of pocket. For example, an individual in Herriman earning $40,000 annually (approximately 280% FPL) would likely receive substantial premium assistance.
Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs provide additional savings on out-of-pocket costs like deductibles, copayments, and coinsurance. If your income is between 100% and 250% FPL, enrolling in a Silver plan will automatically grant you these enhanced benefits, making Silver plans a particularly strong value proposition for eligible individuals and families.
Utah Medicaid: Utah expanded its Medicaid program in 2020. This means that adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This comprehensive program provides coverage with little to no cost. For pregnant women, the eligibility threshold extends up to 144% FPL, covering prenatal, delivery, and postpartum care. Children in households up to 200% FPL can qualify for Utah CHIP. If your income is below these thresholds, it is highly recommended to apply for Utah Medicaid through medicaid.utah.gov.
Health Insurance Carriers in Herriman
In 2026, 5 carriers offer marketplace plans in Rating Area 3, which includes Herriman, Utah. These carriers provide a range of HMO and EPO plans designed to meet diverse healthcare needs. It is important to compare the specific plans, networks, and costs offered by each carrier to find the best fit for your situation. The confirmed carriers for Herriman's Rating Area 3 are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Health Plan in Herriman
Selecting the ideal health insurance plan requires evaluating your healthcare needs, budget, and eligibility for financial assistance. Here's a guide to help Herriman residents make an informed decision:- Assess Your Healthcare Needs: If you anticipate frequent doctor visits, prescription medications, or managing a chronic condition, a Gold plan might offer better value despite higher premiums due to lower out-of-pocket costs. If you are generally healthy and primarily want coverage for emergencies, a Bronze plan could be more suitable.
- Check Subsidy Eligibility: Use HealthCare.gov's tools or consult with a licensed agent to determine if you qualify for premium tax credits or Cost-Sharing Reductions. These subsidies can drastically alter the actual cost of your plan.
- Consider Network and Providers: For BridgeSpan Health Company and other plans, verify that your preferred doctors, specialists, and hospitals (such as those within the Intermountain Health or Holy Cross Hospital systems in Salt Lake County) are included in the plan's network. HMO and EPO plans have specific network rules that must be followed to ensure coverage.
- Review Deductibles and Out-of-Pocket Maximums: Understand how much you might have to pay before your plan starts covering costs, and the maximum amount you could pay in a year.
- Explore Utah Medicaid: If your income is at or below 138% FPL (144% for pregnant women), Utah Medicaid offers comprehensive coverage at very low or no cost. It is often the best option for those who qualify.
Frequently Asked Questions
What types of plans does BridgeSpan Health Company offer in Herriman, Utah?
In Herriman, Utah, BridgeSpan Health Company offers health 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 BridgeSpan Health Company plans in Herriman?
Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits to lower your monthly costs. Individuals and families below 138% FPL may qualify for Utah Medicaid.
How do I enroll in a BridgeSpan Health Company plan in Herriman?
You can enroll in a BridgeSpan Health Company plan during the annual Open Enrollment Period through HealthCare.gov. If you experience a qualifying life event like marriage, birth, or loss of other coverage, you may be eligible for a Special Enrollment Period. A licensed agent can assist you with the application process for free.
What is Utah Medicaid eligibility in Herriman?
Utah expanded Medicaid in 2020, so adults in Herriman with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through Utah CHIP. You can apply via medicaid.utah.gov.