BridgeSpan Health Insurance Plans in North Salt Lake, Utah

BridgeSpan Health Company is one of 4 confirmed carriers offering marketplace plans in Utah Rating Area 3 for 2026, which includes North Salt Lake.
Marketplace plans in North Salt Lake are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types; PPO plans are not available on-exchange.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL), and pregnant women up to 144% FPL.
North Salt Lake has a population of 23,474 and an uninsured rate of 8.9%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in North Salt Lake, Utah, involves understanding local carrier availability, plan types, and eligibility for financial assistance. BridgeSpan Health Company is one of the key providers in this area, offering plans through the federal HealthCare.gov marketplace. Residents of North Salt Lake, located in Davis County and part of Utah Rating Area 3, have access to a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Subsidies are available to make coverage more affordable for many households, and Utah's expanded Medicaid program provides options for lower-income individuals. This guide will help you understand your choices and how to enroll in a plan that meets your needs.

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What Health Insurance Plans Does BridgeSpan Health Company Offer in North Salt Lake?

BridgeSpan Health Company offers a variety of health insurance plans on HealthCare.gov for residents of North Salt Lake, Utah. As part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, BridgeSpan Health Company provides plans with different cost-sharing structures, categorized into "metal tiers": Bronze, Silver, Gold, and Platinum.

Metal Tier	Coverage Level	Best For
Bronze	Covers 60% of costs (on average)	Lower monthly premiums, higher out-of-pocket costs; suitable for those who use healthcare infrequently.
Silver	Covers 70% of costs (on average)	Moderate premiums and out-of-pocket costs; eligible for Cost-Sharing Reductions (CSRs) if income is below 250% FPL.
Gold	Covers 80% of costs (on average)	Higher monthly premiums, lower out-of-pocket costs; good for those who expect to use a fair amount of medical care.
Platinum	Covers 90% of costs (on average)	Highest monthly premiums, lowest out-of-pocket costs; ideal for those with significant ongoing medical needs.

It is important to note that in Utah, the marketplace choice for shoppers is between HMO and EPO network structures. PPO plans are not available on-exchange. BridgeSpan Health Company, like other carriers in Rating Area 3, will offer plans adhering to these network types. To find the specific BridgeSpan Health Company plans available in your ZIP code, it is recommended to visit HealthCare.gov or consult with a licensed health insurance producer.

Am I Eligible for Financial Assistance to Afford BridgeSpan Health Company Plans?

Many North Salt Lake residents qualify for financial assistance, making health insurance more affordable. The primary form of assistance is the Advance Premium Tax Credit (APTC), which lowers your monthly premium. Eligibility for APTCs is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL may qualify for premium tax credits. For example, a single individual with an income up to $60,240 (400% FPL based on a 2026 FPL of $15,060 for a single person) could receive assistance. The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark Silver plan in your area. In addition to premium tax credits, individuals with incomes below 250% FPL may also qualify for Cost-Sharing Reductions (CSRs) if they enroll in a Silver-tier plan. CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance, making Silver plans particularly valuable for those with moderate incomes.

Understanding Utah Medicaid and CHIP in North Salt Lake

Utah expanded its Medicaid program in 2020, significantly broadening eligibility for low-income adults. Residents of North Salt Lake with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive Utah Medicaid coverage. This is a critical difference from states that have not expanded Medicaid, ensuring that individuals at 100-138% FPL do not fall into a coverage gap. For specific populations, Utah Medicaid offers additional support:

Pregnant Women: Coverage is available for pregnant women with household incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care. This threshold is one of the lowest pregnancy-specific limits among the 7 production states, extending coverage slightly above the standard adult line.
Children (CHIP): Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

Applications for Utah Medicaid and CHIP can be submitted through Utah's Medicaid portal at medicaid.utah.gov. It's important to apply if you believe you meet the income requirements, as these programs provide essential healthcare services with little to no cost.

Healthcare Facilities and Demographics in North Salt Lake and Davis County

North Salt Lake, with a population of 23,474 and a median age of 32.7 years, is a growing community within Davis County. The city's median income is $101,447, and its uninsured rate stands at 8.9%, per U.S. Census Bureau ACS 2024 5-year estimates. This is higher than the broader Davis County uninsured rate of 5.7%, indicating a greater need for accessible health insurance options within the city compared to the county as a whole. Davis County, the parent county for North Salt Lake, has a population of 370,924, a median income of $110,884, and a median age of 32.5 years. Residents of North Salt Lake have access to several acute care hospitals within Davis County. These include Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital also in Bountiful. These facilities provide a range of medical services, and understanding which networks they participate in is crucial when selecting a health plan from carriers like BridgeSpan Health Company.

Health Insurance Carriers in North Salt Lake

For 2026, 4 carriers offer marketplace plans in Utah Rating Area 3, which encompasses North Salt Lake. These carriers provide a range of HMO and EPO plans to meet the diverse needs of residents. The confirmed-local carriers for Rating Area 3 include:

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

When choosing a plan, it is essential to compare the networks of these carriers to ensure your preferred doctors and hospitals, such as those in the Intermountain Health System or other local facilities, are covered. Remember that PPO plans are not available on the HealthCare.gov marketplace in Utah, so your options will focus on HMO and EPO structures.

Making Your Health Insurance Decision in North Salt Lake

Choosing the right health insurance plan in North Salt Lake involves considering your budget, healthcare needs, and eligibility for financial assistance.

Here’s a simplified decision-making guide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You are eligible for Advance Premium Tax Credits (APTCs) to reduce your monthly premiums. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from Cost-Sharing Reductions (CSRs) which lower your deductibles and copays.
If your income is above 400% FPL: You will pay the full premium for your chosen plan. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage and preferred out-of-pocket costs.

No matter your situation, a licensed health insurance producer can provide personalized guidance, help you compare plans from BridgeSpan Health Company and other carriers, and assist with the enrollment process on HealthCare.gov, all at no cost to you.

Frequently Asked Questions

What type of health insurance plans are available in North Salt Lake, Utah?

In North Salt Lake, part of Utah Rating Area 3, marketplace plans primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are generally not available on-exchange in Utah. These plans are offered by carriers like BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

Can I get a subsidy for a BridgeSpan Health Company plan in North Salt Lake?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs) to reduce your monthly premiums. These subsidies are applied when you enroll through HealthCare.gov. For 2026, the FPL for a single individual is $15,060, meaning subsidies are available up to $60,240, with higher thresholds for larger households.

What are the income limits for Utah Medicaid in North Salt Lake?

Utah expanded Medicaid in 2020. Adults in North Salt Lake 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 via CHIP, it's 200% FPL. You can apply through Utah's Medicaid portal (medicaid.utah.gov).

How does North Salt Lake's uninsured rate compare to the county average?

North Salt Lake has an uninsured rate of 8.9% per U.S. Census Bureau ACS 2024 5-year estimates. This is higher than the broader Davis County uninsured rate of 5.7%, indicating a greater need for accessible health insurance options within the city compared to the county as a whole.