Bridgespan Health Insurance Options in Sevier County, Utah
- Bridgespan Health Plans are not available in Sevier County, Utah, for the 2026 plan year.
- For 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Sevier County's Rating Area 6.
- Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
- Marketplace plans in Utah include HMO and EPO options; PPO plans are not available on-exchange.
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What Health Insurance Carriers Are Available in Sevier County, Utah?
For the 2026 plan year, residents of Sevier County, Utah, who purchase health insurance through HealthCare.gov, the federal marketplace, have a choice of plans from two confirmed carriers. These carriers offer coverage within Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. The two carriers offering marketplace plans in Rating Area 6 for 2026 are:- Select Health
- University of Utah Health Plans
Understanding Health Plan Types in Utah's Marketplace
When shopping for health insurance in Sevier County through HealthCare.gov, you will primarily encounter two types of plans: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.- HMO (Health Maintenance Organization): These plans typically have lower premiums and out-of-pocket costs. They require you to choose a primary care physician (PCP) within the plan's network, who then refers you to specialists if needed. Care received outside the network is generally not covered, except in emergencies.
- EPO (Exclusive Provider Organization): EPO plans offer a network of doctors and hospitals, similar to an HMO. However, they usually do not require referrals from a PCP to see a specialist. Like HMOs, EPOs generally do not cover out-of-network care, except for emergencies.
Utah Medicaid and CHIP Eligibility in Sevier County
Utah expanded its Medicaid program in 2020 through Proposition 3, significantly increasing access to affordable healthcare for many residents. This means that, unlike some states, Utah does not have a "coverage gap" for adults whose income is too high for Medicaid but too low for marketplace subsidies. In Sevier County, adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. For example, a single individual earning up to approximately $20,783 annually, or a family of three earning up to about $35,225 annually, could qualify for comprehensive Medicaid coverage. Specific income thresholds for other groups include:- Pregnant Women: Up to 144% FPL. This includes coverage for prenatal care, labor and delivery, and postpartum care.
- Children (CHIP): Up to 200% FPL through the Children's Health Insurance Program (CHIP).
Local Healthcare Landscape in Sevier County
Sevier County, with a population of 22,085 and a median age of 36.8 years, offers local healthcare resources to its residents. The county's uninsured rate is 9.3%, per U.S. Census Bureau ACS 2024 5-year estimates. Intermountain Health Sevier Valley Hospital in Richfield provides acute care services, serving as a key local facility for medical needs. Sevier County, part of Utah Rating Area 6, has a median income of $74,884 and a poverty rate of 9.7%, per U.S. Census Bureau ACS 2024 5-year estimates. When selecting a health plan, it is important to verify that your preferred doctors and any local facilities like Intermountain Health Sevier Valley Hospital are within the plan's network. Both Select Health and University of Utah Health Plans offer extensive networks within Utah, but network specifics can vary by plan.Making Your Health Insurance Decision in Sevier County
Choosing the right health insurance plan involves evaluating your income, health needs, and preferred providers. Since Bridgespan Health Plans are not available in Sevier County, your focus will be on the plans offered by Select Health and University of Utah Health Plans through HealthCare.gov, or Utah Medicaid. Consider the following steps:- Check Medicaid Eligibility: If your income is below 138% FPL (144% for pregnant women, 200% for children), apply for Utah Medicaid first at medicaid.utah.gov.
- Explore Marketplace Subsidies: If you are not Medicaid-eligible, explore plans on HealthCare.gov. Many Sevier County residents qualify for premium tax credits and cost-sharing reductions, which can significantly lower monthly premiums and out-of-pocket costs. These subsidies are available to individuals and families with incomes between 100% and 400% FPL.
- Compare Plan Types and Networks: Decide between HMO and EPO plans based on your preference for primary care physician referrals and your existing doctor relationships. Verify that your local hospital, Intermountain Health Sevier Valley Hospital, and any specialists you see are in the plan's network.
- Review Out-of-Pocket Costs: Look at deductibles, copayments, coinsurance, and the maximum out-of-pocket limit for each plan. Bronze plans have lower premiums but higher out-of-pocket costs, while Gold plans have higher premiums but lower out-of-pocket costs. Silver plans offer a balance and are eligible for enhanced cost-sharing reductions if your income qualifies.
Frequently Asked Questions
Can I get Bridgespan health insurance in Sevier County, Utah?
No, Bridgespan Health Plans are not among the carriers offering marketplace health insurance plans in Sevier County, Utah, for the 2026 plan year. Residents in Rating Area 6, which includes Sevier County, have access to plans from Select Health and University of Utah Health Plans through HealthCare.gov.
What types of health plans are available in Sevier County, Utah?
In Sevier County, Utah, marketplace shoppers can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Preferred Provider Organization (PPO) plans are not available on-exchange in Utah. Both HMOs and EPOs require you to use a network of doctors and hospitals, but EPOs generally do not require a primary care physician referral for specialist visits.
What are the income limits for Utah Medicaid in Sevier County?
Utah expanded Medicaid in 2020. Adults in Sevier County with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult earning less than approximately $20,783 annually or a family of three earning less than about $35,225 annually could be eligible for comprehensive, low-cost coverage. Pregnant women have a higher threshold of 144% FPL, and children up to 200% FPL qualify for CHIP.
Where can I enroll in health insurance in Sevier County?
Residents of Sevier County, Utah, can enroll in health insurance plans through the federal marketplace, HealthCare.gov, during the annual Open Enrollment Period. If you experience a qualifying life event, such as getting married, having a baby, or losing other coverage, you may be eligible for a Special Enrollment Period. You can also apply for Utah Medicaid directly through medicaid.utah.gov.