BridgeSpan Health Insurance Plans in South Ogden, Utah

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

BridgeSpan Health Company is one of 4 confirmed carriers offering marketplace plans in South Ogden for 2026.
South Ogden is part of Utah's Rating Area 2, which includes Box Elder, Morgan, and Weber counties.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).
Marketplace options in South Ogden are limited to HMO and EPO plans; PPO plans are not available on HealthCare.gov.
The uninsured rate in South Ogden is 8.7%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options in South Ogden, Utah, involves understanding the specific plans available through HealthCare.gov, the federal marketplace serving Utah. If you're looking for coverage from BridgeSpan Health Company, it's good news: BridgeSpan Health Company is one of four carriers confirmed to offer plans in South Ogden's Rating Area 2 for the 2026 plan year. This article will guide you through the local health insurance landscape, including available plan types, other carriers, and financial assistance options like subsidies and Utah Medicaid, ensuring you can make an informed decision about your coverage.

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What Health Insurance Plans Are Available in South Ogden?

For residents of South Ogden, health insurance plans are primarily accessed through HealthCare.gov. In Utah, the marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your marketplace choices will focus on HMOs and EPOs. These plans differ in how they manage your network of doctors and specialists, with HMOs typically requiring a primary care physician referral for specialist visits and EPOs allowing direct access to specialists within their network. The availability of specific plans and their costs will depend on your household income and family size, as federal subsidies can significantly reduce your monthly premiums. Eligibility for these subsidies, known as Advance Premium Tax Credits (APTCs), extends to individuals and families earning up to 400% of the Federal Poverty Level (FPL).

Health Insurance Carriers in South Ogden

In 2026, 4 carriers offer marketplace plans in Rating Area 2, which covers Box Elder, Morgan, and Weber counties, including South Ogden. These carriers provide a range of HMO and EPO plans designed to meet various healthcare needs and budgets. The confirmed carriers for South Ogden's Rating Area 2 are:

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

When reviewing plans, consider each carrier's specific network of doctors and hospitals. South Ogden residents have access to facilities within Weber County such as Mckay-dee Hospital and Ogden Regional Medical Center, both located in Ogden. Checking if your preferred doctors and local hospitals are in-network with your chosen plan is a critical step in selecting coverage.

Understanding Financial Assistance and Utah Medicaid

Many South Ogden residents can significantly lower their health insurance costs through financial assistance available on HealthCare.gov. Subsidies, known as Advance Premium Tax Credits (APTCs), are available to individuals and families earning between 100% and 400% of the Federal Poverty Level. These credits can be applied directly to your monthly premiums, reducing your out-of-pocket costs. Additionally, Cost-Sharing Reductions (CSRs) are available for those with incomes up to 250% FPL, further lowering deductibles, copayments, and out-of-pocket maximums, particularly with Silver-tier plans. Utah expanded Medicaid in 2020, providing comprehensive health coverage for adults with incomes up to 138% of the Federal Poverty Level. This expansion ensures that more low-income residents in South Ogden have access to essential healthcare services. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, providing crucial prenatal, delivery, and postpartum care. Children in households up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through medicaid.utah.gov. South Ogden, Utah, with a population of 17,650 and an uninsured rate of 8.7% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Weber County's Rating Area 2. The median household income in South Ogden is $80,130, and the median age is 32.7 years. For residents needing acute care, facilities like Mckay-dee Hospital and Ogden Regional Medical Center in nearby Ogden provide essential services, and it's important to ensure these are in-network with your chosen plan.

How to Choose the Right Plan in South Ogden

Choosing the right health insurance plan requires evaluating your healthcare needs, budget, and the specific plan features available in South Ogden. Here are key steps to consider:

Assess Your Healthcare Needs: Consider how often you visit the doctor, whether you have prescription medications, and if you have specific health conditions that require ongoing care. This will help you determine if a plan with lower monthly premiums but higher out-of-pocket costs (like a Bronze or Catastrophic plan) or a plan with higher premiums but lower out-of-pocket costs (like a Gold plan) is best for you.
Understand Plan Types: Remember that marketplace plans in South Ogden are HMOs and EPOs. HMOs typically require you to choose a primary care physician (PCP) and get referrals for specialists. EPOs offer more flexibility to see specialists without a referral, as long as they are within the plan's network.
Check Doctor and Hospital Networks: Verify that your preferred doctors, specialists, and local hospitals like Mckay-dee Hospital or Ogden Regional Medical Center are included in the plan's network before enrolling.
Compare Costs: Look beyond just the monthly premium. Consider deductibles, copayments, coinsurance, and the out-of-pocket maximum. Subsidies can reduce your premium, and Cost-Sharing Reductions can lower other out-of-pocket expenses if you qualify.
Utilize an Agent: A licensed health insurance agent can provide personalized guidance, help you compare plans, and assist with enrollment at no extra cost to you.

Frequently Asked Questions

Is BridgeSpan Health Company available in South Ogden, Utah?

Yes, BridgeSpan Health Company is one of four confirmed health insurance carriers offering plans on the HealthCare.gov marketplace in South Ogden, Utah, for the 2026 plan year. South Ogden is part of Rating Area 2, which also covers Box Elder and Morgan counties.

Can I get a PPO plan on the HealthCare.gov marketplace in South Ogden?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Shoppers in South Ogden will find HMO and EPO network plans as their primary options for marketplace coverage. PPO plans may be available off-exchange, but without subsidy eligibility.

What income qualifies for Utah Medicaid in South Ogden?

Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify. 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 at medicaid.utah.gov.

What is the uninsured rate in South Ogden, Utah?

The uninsured rate in South Ogden is 8.7%, according to U.S. Census Bureau ACS 2024 5-year estimates. This is slightly lower than the uninsured rate for Weber County, which is 8.8%.