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

Bridgespan Health Insurance in St. George, Utah

Bridgespan Health Insurance does not offer marketplace plans in St. George, Utah, for the 2026 plan year.
St. George residents in Rating Area 5 can choose from 3 marketplace carriers: Molina Healthcare, Select Health, and University of Utah Health Plans.
Utah's marketplace, HealthCare.gov, offers only HMO and EPO plans; PPO plans are not available on-exchange in the state.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.

Navigating health insurance options in St. George, Utah, requires understanding local plan availability and state-specific regulations. For residents seeking coverage from Bridgespan Health Insurance, it's important to note that, for the 2026 plan year, Bridgespan Health Insurance plans are not available on the HealthCare.gov marketplace in Rating Area 5, which includes St. George and Iron County. However, St. George residents still have robust options from other confirmed carriers. This article outlines the available health insurance plans, eligibility for subsidies and Medicaid, and how to secure coverage in Washington County.

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Health Insurance Carriers Available in St. George, Utah

For the 2026 plan year, residents of St. George, located in Utah Rating Area 5, which covers Iron and Washington counties, have three health insurance carriers offering plans through HealthCare.gov. These carriers provide a range of options designed to meet various healthcare needs and budgets. It is crucial for individuals and families to compare these offerings to find the best fit for their specific circumstances. In 2026, 3 carriers offer marketplace plans in Rating Area 5:

Molina Healthcare
Select Health
University of Utah Health Plans

When evaluating plans from these carriers, consider factors such as monthly premiums, deductibles, out-of-pocket maximums, and the network of doctors and hospitals. All plans offered on HealthCare.gov must cover essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services.

Understanding Plan Types in Utah

In Utah, the health insurance marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO plans (Preferred Provider Organization) are not available on-exchange in Utah for the 2026 plan year. This means that marketplace shoppers in St. George will choose between HMO and EPO network structures. HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network, who then refers you to specialists. HMOs often have lower monthly premiums and out-of-pocket costs, but offer less flexibility in choosing providers outside the network. EPO Plans: EPO plans offer a network of providers, but generally do not require a PCP referral to see a specialist. However, like HMOs, they usually do not cover care received outside the network, except in emergencies. Understanding the differences between these plan types is essential for ensuring you have access to the doctors and services you need.

Medicaid and CHIP Eligibility in St. George

Utah expanded its Medicaid program in 2020, significantly impacting eligibility for many residents in St. George and across the state. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may now qualify for comprehensive Utah Medicaid coverage. This is a critical distinction from states that have not expanded Medicaid, ensuring that low-income adults have access to affordable healthcare. Specific FPL thresholds for other groups include:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes prenatal care, labor and delivery, and postpartum care. Applications can be submitted through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP).

These programs provide vital support for vulnerable populations, offering access to necessary medical services without the burden of high premiums or deductibles.

Local Healthcare Landscape in St. George

St. George, Utah, with a population of 101,995, is the largest city in Washington County, which has a population of 196,431, per U.S. Census Bureau ACS 2024 5-year estimates. Washington County is served by one acute care hospital: St. George Regional Hospital. This facility, located directly in St. George, is a primary healthcare provider for residents of the city and surrounding areas, offering a range of medical services. The median age in St. George is 38.3 years, and the uninsured rate is 11.5%, which is slightly higher than the county's 11.1% uninsured rate.

Making Your Health Insurance Decision in St. George

Choosing the right health insurance plan involves evaluating your income, health needs, and preferred providers. Here’s a guide to help St. George residents make an informed decision:

Income Level (as % FPL)	Recommended Action	Key Considerations
Below 138% FPL	Apply for Utah Medicaid	You likely qualify for free or low-cost comprehensive coverage. This is available for adults, pregnant women (up to 144% FPL), and children (CHIP up to 200% FPL).
138% - 250% FPL	Explore Enhanced Silver plans on HealthCare.gov	Significant subsidies are available, potentially reducing deductibles and out-of-pocket costs dramatically. Silver plans cover about 70% of costs on average, but Enhanced Silver can cover 73-94%.
251% - 400% FPL	Compare Bronze, Silver, and Gold plans on HealthCare.gov with subsidies	You will qualify for premium tax credits that lower your monthly payments. Silver plans are a good balance of cost and coverage. Bronze plans have lower premiums but higher out-of-pocket costs.
Above 400% FPL	Compare Bronze, Silver, and Gold plans on HealthCare.gov (full price) or off-exchange	While you won't qualify for premium subsidies, you can still enroll in an ACA-compliant plan through HealthCare.gov or directly with a carrier for off-exchange options.

A licensed health insurance producer can provide free, personalized assistance to help you understand these options, compare plans from Molina Healthcare, Select Health, and University of Utah Health Plans, and guide you through the enrollment process on HealthCare.gov.

Frequently Asked Questions

Is Bridgespan Health Insurance available in St. George, Utah?

According to confirmed 2026 plan year data for Rating Area 5, which includes St. George, Bridgespan Health Insurance does not offer marketplace plans. The carriers available are Molina Healthcare, Select Health, and University of Utah Health Plans.

What type of health insurance plans can I get in St. George?

In St. George, Utah, marketplace shoppers can choose between HMO and EPO plans. PPO plans are not available on-exchange in Utah for the 2026 plan year.

What is the income limit for Utah Medicaid in St. George?

Utah expanded Medicaid in 2020. Adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Pregnant women can qualify up to 144% FPL, and children through CHIP up to 200% FPL.

How do I enroll in health insurance in St. George?

Residents of St. George enroll in marketplace health insurance plans through HealthCare.gov. You can apply directly on the website or work with a licensed health insurance producer for free assistance with plan selection and enrollment.