BridgeSpan Health Insurance in Millcreek, Utah: 2026 Marketplace Plans
- BridgeSpan Health Company is one of five carriers offering health insurance plans in Millcreek, Utah's Rating Area 3 for 2026.
- Millcreek residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov; PPO plans are not available on-exchange in Utah.
- Utah expanded Medicaid in 2020, providing coverage to adults earning up to 138% of the Federal Poverty Level.
- Millcreek's uninsured rate is 7.2%, slightly below Salt Lake County's 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Plans Does BridgeSpan Health Company Offer in Millcreek?
BridgeSpan Health Company is a confirmed carrier participating in Utah's HealthCare.gov marketplace for the 2026 plan year, serving Millcreek and the broader Rating Area 3. Like all marketplace plans in Utah, BridgeSpan Health Company offers coverage through Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. HMOs typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists, while EPOs offer more flexibility but generally do not cover out-of-network care except in emergencies. When evaluating BridgeSpan Health Company plans, consider the various metal tiers:- Bronze Plans: These plans have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are designed primarily for catastrophic coverage, ideal for those who expect minimal medical care and want protection against major unexpected costs.
- Silver Plans: Offering moderate premiums and deductibles, Silver plans are a popular choice. They are especially beneficial for individuals and families who qualify for cost-sharing reductions (CSRs), which can significantly lower deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver plans.
- Gold Plans: Gold plans come with higher monthly premiums but lower deductibles and out-of-pocket costs when you need care. These plans are suitable for individuals who anticipate regular medical needs or prefer to pay more upfront for greater predictability in their healthcare expenses.
Who Else Offers Marketplace Plans in Millcreek, Utah?
For 2026, five carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, including Millcreek. These carriers provide the options available to Millcreek residents through HealthCare.gov. The confirmed carriers are:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Can You Get Financial Assistance for Health Insurance in Millcreek?
Many Millcreek residents qualify for financial assistance to make health insurance more affordable. This assistance is available through HealthCare.gov in the form of premium tax credits and cost-sharing reductions.| Household Income (as % FPL) | Assistance Type | Details |
|---|---|---|
| Below 138% FPL | Utah Medicaid | Adults, pregnant women, and children may qualify for comprehensive, low-cost or free health coverage through Utah Medicaid. The state expanded Medicaid in 2020. |
| 100% - 400% FPL | Premium Tax Credits | Reduces your monthly premium amount, paid directly to your insurer. The amount depends on your income and household size. |
| 100% - 250% FPL | Cost-Sharing Reductions (CSRs) | Lowers your deductibles, copayments, and out-of-pocket maximums. Only available with Silver plans. |
| 200% FPL (Children) | CHIP (Children's Health Insurance Program) | Low-cost health coverage for uninsured children in households up to 200% FPL. |
| 144% FPL (Pregnant Women) | Utah Medicaid for Pregnant Women | Expanded coverage for pregnant women, including prenatal, delivery, and postpartum care. |
Hospitals and Healthcare Facilities Serving Millcreek Residents
Millcreek is part of Salt Lake County, which is home to a robust network of healthcare facilities. Salt Lake County's 10 acute care hospitals and health systems serve a population of 1,196,523, with a median age of 34.0 years, per U.S. Census Bureau ACS 2024 5-year estimates. When choosing a BridgeSpan Health Company plan, or any other plan, it's essential to check if your preferred hospitals and doctors are within the plan's network. Major hospitals in Salt Lake County include:- Holy Cross Hospital - Salt Lake (Salt Lake City)
- Lds Hospital (Salt Lake City)
- University of Utah Hospital and Clinics (Salt Lake City)
- Intermountain Medical Center (Murray)
- Intermountain Health Alta View Hospital (Sandy)
- St Mark's Hospital (Salt Lake City)
- Holy Cross Hospital-jordan Valley (West Jordan)
- Intermountain Health Riverton Hospital (Riverton)
- Lone Peak Hospital (Draper)
- Primary Children's Hospital (Salt Lake City)
Choosing the Right BridgeSpan Health Company Plan in Millcreek
Selecting the best health insurance plan involves considering your health needs, financial situation, and preferred doctors and hospitals. Here’s a decision framework for Millcreek residents:- If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply through the state's Medicaid portal (medicaid.utah.gov) for comprehensive, low-cost coverage.
- If your income is between 100% and 250% FPL: Strongly consider a Silver plan. You'll qualify for both premium tax credits and cost-sharing reductions, significantly lowering your out-of-pocket costs when you receive care.
- If your income is between 250% and 400% FPL: You will still qualify for premium tax credits. Compare Bronze, Silver, and Gold plans carefully. A Silver plan might offer a good balance of premium and out-of-pocket costs, while a Gold plan offers lower out-of-pocket costs for more predictable expenses.
- If your income is above 400% FPL: You will pay the full premium for your chosen plan. Focus on finding a BridgeSpan Health Company plan that offers the best balance of network, deductible, and copayments for your specific needs.
Frequently Asked Questions
What is Rating Area 3 in Utah, and why is it important for Millcreek residents?
Rating Area 3 is a specific geographic region in Utah used to determine health insurance plan pricing. For Millcreek residents, it is important because all plans and premiums offered by BridgeSpan Health Company and other carriers on HealthCare.gov are specific to this area. Rating Area 3 covers five counties: Davis, Salt Lake, Summit, Tooele, and Wasatch.
Are PPO plans available on-exchange in Millcreek, Utah?
No, PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. Millcreek residents will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans as their primary options from carriers like BridgeSpan Health Company.
Does Utah have expanded Medicaid, and what are the income limits?
Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children under the Children's Health Insurance Program (CHIP), it is 200% FPL.
When can I enroll in a BridgeSpan Health Company plan in Millcreek?
You can enroll during the annual Open Enrollment Period, which typically runs from November 1 to January 15 each year. Outside of this period, you may qualify for a Special Enrollment Period (SEP) if you experience a qualifying life event, such as losing other coverage, getting married, having a baby, or moving to Millcreek.