BridgeSpan Health Insurance Plans in Roosevelt, Utah
- BridgeSpan Health Company is one of 4 carriers offering marketplace plans in Roosevelt, Utah's Rating Area 6 for 2026.
- Roosevelt residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov.
- Financial assistance, including premium tax credits, is available for individuals and families with incomes between 100% and 400% FPL.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% FPL and pregnant women up to 144% FPL.
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What Health Insurance Options Does BridgeSpan Offer in Roosevelt?
BridgeSpan Health Company offers a variety of health plans through the federal marketplace, HealthCare.gov, catering to Roosevelt residents. As with all carriers in Utah, BridgeSpan provides Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO plans are not available on-exchange in Utah, meaning your marketplace choice will focus on the HMO and EPO network structures. HMO plans typically require you to choose a primary care provider (PCP) within their network and get referrals for specialists. EPO plans offer more flexibility to see specialists without a referral, but generally still require you to stay within the plan's network for covered services. Both plan types are designed to provide comprehensive coverage for essential health benefits, as mandated by the Affordable Care Act (ACA). When considering a BridgeSpan Health Company plan, you'll want to check if your preferred doctors, specialists, and facilities, such as Uintah Basin Medical Center, are included in their specific network.Understanding Financial Assistance and Subsidies in Utah
Many individuals and families in Roosevelt qualify for financial help to make health insurance more affordable. The federal government offers subsidies in the form of premium tax credits and cost-sharing reductions through HealthCare.gov. Premium Tax Credits: These credits reduce your monthly health insurance premium. Eligibility is based on your household income, typically for those earning between 100% and 400% of the Federal Poverty Level (FPL). Cost-Sharing Reductions (CSRs): Available to those with incomes up to 250% FPL, CSRs lower your out-of-pocket costs like deductibles, copayments, and coinsurance. To receive CSRs, you must enroll in a Silver-tier plan. For example, an individual in Roosevelt earning $35,000 per year (approximately 250% FPL) would likely qualify for significant premium tax credits and cost-sharing reductions, making a Silver plan much more affordable. These subsidies can be applied to plans from BridgeSpan Health Company or any other marketplace carrier.Utah Medicaid and CHIP Eligibility
Utah expanded Medicaid in 2020, significantly broadening access to affordable healthcare. If your household income is below 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid. This program provides comprehensive health coverage with little to no cost for eligible adults. For specific populations: Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing essential prenatal, delivery, and postpartum care. You can apply through Utah's Medicaid portal (medicaid.utah.gov). Children (CHIP): Uninsured children in households with incomes up to 200% FPL may be eligible for the Children's Health Insurance Program (CHIP) in Utah. It's crucial to check your eligibility for Medicaid or CHIP first, as these programs often offer the most comprehensive and lowest-cost coverage options.Health Insurance Carriers in Roosevelt
For the 2026 plan year, residents of Roosevelt and the broader Rating Area 6 have a choice of 4 carriers offering plans through HealthCare.gov. This multi-county Rating Area 6 covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, and Wayne counties. The confirmed carriers for this rating area are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
How to Choose the Right Plan in Roosevelt
Choosing the right health insurance plan involves balancing your budget, healthcare needs, and preferred providers. Here's a step-by-step approach:- Estimate Your Income: Determine your expected household income for the upcoming year to see if you qualify for premium tax credits or cost-sharing reductions.
- Understand Plan Types: Decide whether an HMO or EPO plan best suits your needs, considering factors like referrals and network flexibility.
- Check Networks: Verify that your preferred doctors, specialists, and local hospitals, such as Uintah Basin Medical Center, are in the network of any plan you consider, including those from BridgeSpan Health Company.
- Compare Metal Tiers:
- Bronze: Low premiums, high deductibles. Good for those who expect minimal care or want catastrophic coverage.
- Silver: Moderate premiums, moderate deductibles. Best value for those who qualify for cost-sharing reductions, as these only apply to Silver plans.
- Gold/Platinum: High premiums, low deductibles. Best for those who expect frequent medical care and want lower out-of-pocket costs when they use services.
- Consider Total Costs: Look beyond just the monthly premium. Factor in deductibles, copayments, coinsurance, and the maximum out-of-pocket limit to understand your potential total costs.
Frequently Asked Questions
What types of BridgeSpan plans are available in Roosevelt, Utah?
In Roosevelt, BridgeSpan Health Company, along with other carriers, offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on-exchange in Utah.
Can I get financial help to pay for a BridgeSpan plan in Roosevelt?
Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions to lower your monthly premiums and out-of-pocket costs on plans offered by BridgeSpan Health Company and other carriers through HealthCare.gov.
Are there other health insurance carriers besides BridgeSpan in Roosevelt?
Yes, for the 2026 plan year, Roosevelt residents in Rating Area 6 can choose from a total of 4 carriers on HealthCare.gov. In addition to BridgeSpan Health Company, these include Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Does Utah have expanded Medicaid?
Yes, Utah expanded Medicaid in 2020. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which provides comprehensive, low-cost health coverage.