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

Bridgespan Health Insurance in Richfield, Utah

While Bridgespan Health is not among the carriers offering plans on the HealthCare.gov marketplace in Richfield, Utah, residents still have access to a variety of health insurance options. If you are seeking coverage in Richfield, your primary options for subsidized plans will be through the federal HealthCare.gov marketplace, which serves Utah. Here, you can compare plans from confirmed local carriers, determine your eligibility for subsidies, and enroll in coverage. It is important to understand that Utah's marketplace offers HMO and EPO plans, but not PPO plans, and that Medicaid expansion significantly impacts eligibility for lower-income residents.

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What Health Insurance Plans Are Available in Richfield, Utah?

Residents of Richfield, Utah, and the broader Rating Area 6 can access health insurance plans through HealthCare.gov. In 2026, two carriers offer marketplace plans in this rating area. When choosing a plan, it is crucial to understand the network types available. In Utah, marketplace plans are exclusively offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not available on-exchange in Richfield. HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the plan's network, who then refers you to specialists. HMOs generally have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers. EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals, and you typically do not need a referral to see a specialist. However, they generally do not cover out-of-network care, except in emergencies. Understanding the differences between HMO and EPO plans is essential to selecting coverage that best fits your healthcare needs and preferences for provider access.

Who Qualifies for Medicaid in Richfield?

Utah expanded its Medicaid program in 2020, a significant change that impacts many Richfield residents. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) are now eligible for Utah Medicaid. This means that if your income falls within this range, you may qualify for comprehensive, low-cost or no-cost health coverage directly through the state. For specific populations, the eligibility thresholds are even higher: These programs ensure that vulnerable populations in Richfield have access to necessary medical services. Applications for Utah Medicaid and CHIP can be submitted through medicaid.utah.gov.

Health Insurance Carriers in Richfield

For 2026, residents of Richfield, Utah, located in Rating Area 6, have access to marketplace health insurance plans from a limited number of confirmed carriers. In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. The confirmed carriers offering plans in this multi-county rating area are: When exploring plans, it is important to verify the specific network of providers and facilities each carrier offers to ensure your preferred doctors or hospitals are included. All plans are available for comparison and enrollment on HealthCare.gov.

Understanding Costs and Subsidies in Richfield

The cost of health insurance in Richfield can vary significantly based on your income, household size, and the plan's metal tier (Bronze, Silver, Gold). Many residents qualify for financial assistance, known as subsidies, which can substantially reduce monthly premiums and out-of-pocket costs. Premium Tax Credits (APTC): These subsidies lower your monthly premium and are available to individuals and families with incomes between 100% and 400% FPL. For those earning above 400% FPL, subsidies may still be available if premiums exceed 8.5% of household income. Cost-Sharing Reductions (CSRs): Available exclusively with Silver plans, CSRs reduce your deductibles, co-payments, and out-of-pocket maximums. You qualify for CSRs if your income is between 100% and 250% FPL. Selecting an Enhanced Silver plan can provide significantly better coverage at a lower total cost for eligible individuals. Richfield, with a population of 8,224 and a median income of $74,756, per U.S. Census Bureau ACS 2024 5-year estimates, sees many residents benefiting from these forms of financial aid. The city's uninsured rate stands at 7.3%, indicating a need for accessible and affordable health coverage options. Wayne County, where Richfield is located, has a population of 2,584 and an uninsured rate of 4.2%, per U.S. Census Bureau ACS 2024 5-year estimates. Wayne County has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services.

Making Your Health Insurance Decision in Richfield

Choosing the right health insurance plan requires careful consideration of your budget, healthcare needs, and preferred providers. Here's a guide to help you navigate your options:
Your Income Level Recommended Action Key Considerations
Below 138% FPL Apply for Utah Medicaid You likely qualify for comprehensive, low-cost or no-cost coverage. Apply via medicaid.utah.gov.
138% - 250% FPL Enroll in an Enhanced Silver plan You qualify for significant premium tax credits and cost-sharing reductions (CSRs), reducing your deductible and out-of-pocket costs.
250% - 400% FPL Compare Bronze, Silver, and Gold plans with subsidies You qualify for premium tax credits. Silver plans may still be a good value even without CSRs due to balanced coverage. Bronze plans offer lower premiums but higher out-of-pocket costs.
Above 400% FPL (or if premiums exceed 8.5% of income) Compare plans on HealthCare.gov or off-marketplace You may still qualify for premium tax credits if benchmark plan premiums exceed 8.5% of your income. Evaluate all metal tiers based on your expected healthcare usage.
Navigating the complexities of health insurance can be challenging. A licensed health insurance producer can provide personalized guidance, help you compare plans, and assist with the enrollment process at no additional cost to you. They can help you understand your subsidy eligibility and ensure you choose a plan that meets your specific needs in Richfield.

Frequently Asked Questions

What health insurance carriers offer plans in Richfield, Utah?
In 2026, two health insurance carriers offer marketplace plans in Richfield's Rating Area 6: Select Health and University of Utah Health Plans. These plans are available through HealthCare.gov.
Are PPO plans available on the HealthCare.gov marketplace in Richfield?
No, PPO plans are not available on the HealthCare.gov marketplace in Richfield or anywhere in Utah. Marketplace shoppers in Richfield choose between HMO and EPO network structures for their health coverage.
Can I qualify for Medicaid in Richfield, Utah?
Yes, Utah expanded Medicaid in 2020. Adults in Richfield with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women may qualify up to 144% FPL, and children through CHIP up to 200% FPL.
Where can Richfield residents find acute care hospitals?
Wayne County, where Richfield is located, does not have any acute care hospitals within its boundaries. Residents needing acute care services typically travel to neighboring counties for treatment.

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