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

BridgeSpan Health Insurance Plans in Murray, Utah for 2026

BridgeSpan Health Company is one of 5 carriers offering marketplace plans in Murray, Utah's Rating Area 3 for 2026.
Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange for subsidies.
Murray residents with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, which expanded in 2020.
The uninsured rate in Murray is 7.1%, lower than Salt Lake County's 9.2%, per U.S. Census Bureau ACS 2024 5-year estimates.

For residents of Murray, Utah, seeking health insurance for 2026, BridgeSpan Health Company offers a range of plans through the federal HealthCare.gov marketplace. As one of five confirmed carriers in Rating Area 3, which covers Salt Lake County and its surrounding areas, BridgeSpan provides options for individuals and families looking for subsidized coverage. Understanding your choices, from plan types like HMOs and EPOs to potential financial assistance, is crucial for securing the right health coverage in Murray. This guide details BridgeSpan's offerings, general marketplace information, and how local factors in Murray influence your health insurance decisions.

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What Types of BridgeSpan Health Plans Are Available in Murray?

In Murray, Utah, BridgeSpan Health Company participates in the HealthCare.gov marketplace, offering plan options that typically include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. These plans are designed to provide comprehensive benefits, covering essential health services as mandated by the Affordable Care Act (ACA). It is important to note that in Utah, PPO (Preferred Provider Organization) plans are not available on-exchange for marketplace shoppers seeking subsidies. This means your choices for subsidized coverage from BridgeSpan Health Company, and all other carriers on the marketplace, will be limited to HMO and EPO plans. HMOs generally require you to choose a primary care physician (PCP) who coordinates your care and provides referrals to specialists, while EPOs offer more flexibility to see specialists within the network without a referral. Choosing between an HMO and an EPO plan from BridgeSpan Health Company will depend on your preference for network flexibility, referral requirements, and overall cost structure. All plans are categorized into metal tiers—Bronze, Silver, Gold, and Platinum—indicating the actuarial value, or the percentage of healthcare costs the plan is expected to cover. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket expenses.

Health Insurance Carriers in Murray

For 2026, residents of Murray, Utah, have a competitive marketplace for health insurance. In Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, a total of 5 carriers offer marketplace plans. These carriers provide diverse options for individuals and families seeking subsidized health coverage through HealthCare.gov. The confirmed carriers for Murray's Rating Area 3 in 2026 are:

BridgeSpan Health Company
Imperial Health Plan of Utah
Regence BlueCross BlueShield of Utah
Select Health
University of Utah Health Plans

This selection ensures that Murray residents can compare plans from multiple providers to find coverage that best fits their healthcare needs and budget. Each carrier offers various HMO and EPO plans across different metal tiers.

Understanding Local Healthcare in Murray, Utah

Murray, Utah, is an integral part of Salt Lake County, with a population of 50,188 and a median household income of $90,746, per U.S. Census Bureau ACS 2024 5-year estimates. The uninsured rate in Murray stands at 7.1%, which is notably lower than the 9.2% uninsured rate for Salt Lake County as a whole. Salt Lake County, with its population of 1,196,523, is home to a robust healthcare infrastructure. Among the ten hospitals in Salt Lake County, Intermountain Medical Center is located directly in Murray. Other major facilities in the county include University of Utah Hospital and Clinics and St Mark's Hospital in Salt Lake City, and Intermountain Health Alta View Hospital in Sandy. When considering a BridgeSpan Health Company plan, it is essential to verify that your preferred doctors and local hospitals, such as Intermountain Medical Center, are within the plan's network to ensure seamless access to care.

Medicaid and Financial Assistance in Utah

Utah expanded its Medicaid program in 2020 following the Proposition 3 ballot initiative. This means that adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a critical distinction from states that have not expanded Medicaid, as it ensures a pathway to coverage for many low-income residents without falling into a "coverage gap." For specific groups, Utah Medicaid offers additional support:

Pregnant women with incomes up to 144% FPL are eligible for pregnancy-specific Medicaid, covering prenatal care, labor, delivery, and postpartum services.
Children in households with incomes up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP).

If your income falls within these ranges, exploring Utah Medicaid or CHIP through medicaid.utah.gov is a vital first step, as these programs often provide comprehensive coverage with little to no cost. For those with incomes above Medicaid eligibility but below 400% FPL, federal subsidies—known as Premium Tax Credits—are available through HealthCare.gov. These subsidies can significantly reduce monthly premiums for plans from BridgeSpan Health Company and other marketplace carriers. Additionally, individuals with incomes up to 250% FPL may qualify for Cost-Sharing Reductions (CSRs) on Silver-tier plans, which lower deductibles, copayments, and out-of-pocket maximums, making healthcare more affordable.

Making Your Health Plan Decision in Murray

Choosing the right health insurance plan, whether from BridgeSpan Health Company or another carrier, involves evaluating your healthcare needs, budget, and eligibility for financial assistance. Here’s a general guide for Murray residents:

If your income is below 138% FPL: Apply for Utah Medicaid through medicaid.utah.gov. You likely qualify for comprehensive, low-cost coverage.
If your income is between 138% and 250% FPL: Explore Silver-tier plans on HealthCare.gov. You may be eligible for significant Premium Tax Credits and Cost-Sharing Reductions, making Silver plans the best value.
If your income is between 250% and 400% FPL: You will likely qualify for Premium Tax Credits to lower your monthly premiums on any metal tier. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage.
If your income is above 400% FPL: You can still purchase plans through HealthCare.gov at full price. Focus on comparing the overall costs, including premiums, deductibles, and out-of-pocket maximums, for plans from carriers like BridgeSpan Health Company.

A licensed health insurance producer can provide personalized guidance, helping you compare BridgeSpan Health Company plans with other local options, confirm network coverage for your preferred providers, and accurately estimate your subsidies. This service is typically free and can save you significant time and money.

Frequently Asked Questions

What types of plans does BridgeSpan Health Company offer in Murray, Utah?

In Murray, Utah, BridgeSpan Health Company primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. These plans emphasize network-based care, with HMOs typically requiring a primary care physician referral for specialists, while EPOs offer more flexibility within their network without referrals.

Can I get a PPO plan from BridgeSpan Health Company in Murray?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Murray, for the 2026 plan year. Shoppers seeking subsidized coverage through the marketplace will choose between HMO and EPO network structures from BridgeSpan Health Company and other carriers.

How do I know if BridgeSpan Health Company covers Intermountain Medical Center in Murray?

To confirm if Intermountain Medical Center or other specific hospitals in Salt Lake County are in-network for a BridgeSpan Health Company plan, you should always check the plan's official provider directory. This can typically be found on BridgeSpan's website or by contacting their customer service directly. Provider networks can vary by plan and change annually.

What other carriers offer health insurance in Murray, Utah?

In addition to BridgeSpan Health Company, Murray residents in Rating Area 3 can choose from four other carriers for marketplace plans in 2026: Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. This provides a range of options for finding suitable coverage.