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

Bridgespan Health Insurance in Moab, Utah

Navigating health insurance options in Moab, Utah, involves understanding local marketplace availability and state-specific programs. For the 2026 plan year, residents of Moab and the broader Rating Area 6 primarily find coverage through HealthCare.gov. While the article slug mentions Bridgespan, it is important to note that Bridgespan is not among the confirmed carriers offering plans in Moab's Rating Area 6 for 2026. Instead, local residents have access to plans from Select Health and University of Utah Health Plans, with options focused on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. Utah also offers expanded Medicaid coverage for eligible individuals and families, a significant resource for many residents.

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What Health Insurance Options Are Available in Moab?

Residents of Moab, Utah, primarily access health insurance through HealthCare.gov, the federal marketplace. The state of Utah utilizes this platform, making it the central hub for individuals and families seeking subsidized health coverage. When exploring plans, Moab shoppers will find two main types of network structures available on-exchange: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace choices are limited to HMO and EPO options. HMO plans generally require you to choose a primary care provider (PCP) within the network and get referrals for specialist visits. EPO plans offer more flexibility than HMOs, allowing you to see specialists without a referral, but typically only cover services from providers within the plan's network, except in emergencies. Understanding the differences between these plan types is crucial for making an informed decision about your coverage in Moab.

Health Insurance Carriers in Moab

For the 2026 plan year, two confirmed carriers offer marketplace plans in Utah's Rating Area 6, which includes Moab (Grand County). These carriers provide various plan options across different metal tiers (Bronze, Silver, Gold) through HealthCare.gov. The confirmed carriers are: It is essential to verify specific plan availability for your ZIP code on HealthCare.gov, as offerings can vary even within the same rating area. These carriers are the primary providers of subsidized individual and family health insurance plans in Moab.

Understanding Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020 via a ballot initiative, making it a critical resource for many residents in Moab. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This expansion means that individuals and families in Moab who earn below this threshold can access affordable healthcare without falling into a coverage gap, unlike in some non-expansion states. For pregnant women, Utah Medicaid offers coverage with incomes up to 144% FPL. This pregnancy-specific extension ensures access to prenatal care, labor and delivery services, and postpartum care. Uninsured children in households with incomes up to 200% FPL may qualify for the Utah Children's Health Insurance Program (CHIP). Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal at medicaid.utah.gov. Grand County, which includes Moab, has a population of 9,754 with a median income of $67,106 and an uninsured rate of 10.9%, per U.S. Census Bureau ACS 2024 5-year estimates. For Moab specifically, the population is 5,312, with a median income of $61,667 and a higher uninsured rate of 14.6%. These figures highlight the ongoing need for affordable health coverage options in the area, which expanded Medicaid and marketplace subsidies help address. Grand County has no acute care hospitals within its boundaries, meaning residents often travel to a neighboring county for acute medical services.

Choosing the Right Plan in Moab

Selecting the best health insurance plan in Moab depends on your income, health needs, and preference for managing healthcare costs. Here's a guide to help you decide:
Your Income Recommended Action Why it Matters
Below 138% FPL Apply for Utah Medicaid You likely qualify for free or low-cost comprehensive coverage. Utah expanded Medicaid in 2020.
138% - 250% FPL Explore Enhanced Silver plans on HealthCare.gov You qualify for Cost-Sharing Reductions (CSRs), significantly lowering deductibles, copays, and out-of-pocket maximums.
250% - 400% FPL Consider Silver or Gold plans with Premium Tax Credits You qualify for substantial premium subsidies, making higher-tier plans more affordable. Compare out-of-pocket costs.
Above 400% FPL Compare Bronze, Silver, and Gold plans with full premium You pay the full premium, but can still benefit from the ACA's consumer protections and network access. Focus on deductibles and maximum out-of-pocket.
A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that best fits your needs and budget, all at no cost to you.

Frequently Asked Questions

What health insurance plans are available in Moab, Utah?
In Moab, residents can access health insurance plans through HealthCare.gov. The marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.
Who offers health insurance in Moab's Rating Area 6?
For the 2026 plan year, two confirmed carriers offer marketplace plans in Utah's Rating Area 6, which includes Moab (Grand County). These carriers are Select Health and University of Utah Health Plans.
Can I get Medicaid in Moab?
Yes, Utah expanded Medicaid in 2020. Adults in Moab with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL through Utah CHIP.
What is the uninsured rate in Moab, Utah?
According to U.S. Census Bureau ACS 2024 5-year estimates, the uninsured rate in Moab is 14.6%. This is higher than the Grand County average of 10.9%.

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