BridgeSpan Health Insurance Plans in Taylorsville, Utah
- BridgeSpan Health Company offers marketplace health insurance plans in Taylorsville, Utah, for the 2026 plan year.
- Taylorsville residents access plans through HealthCare.gov, with 5 carriers active in Rating Area 3 in 2026.
- Utah's marketplace offers HMO and EPO plans; PPO plans are not available on-exchange for Taylorsville shoppers.
- Utah Medicaid covers adults up to 138% FPL, pregnant women up to 144% FPL, and children up to 200% FPL through CHIP.
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What Health Plans Does BridgeSpan Health Company Offer in Taylorsville?
BridgeSpan Health Company participates in the HealthCare.gov marketplace, offering health insurance plans to Taylorsville residents. In Utah, the marketplace primarily features Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. This means that PPO plans are not available on-exchange in Utah. BridgeSpan Health Company's offerings will typically follow these network structures, requiring members to choose a primary care provider (PCP) within the network for HMOs, or to stay within the network for all care with EPOs, except in emergencies. When selecting a BridgeSpan Health Company plan, you'll encounter different metal tiers: Bronze, Silver, Gold, and Platinum. Each tier represents a different balance between monthly premiums and out-of-pocket costs:- Bronze plans typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They are suitable for individuals who anticipate minimal healthcare needs or who want catastrophic coverage.
- Silver plans offer moderate premiums and out-of-pocket costs. They are particularly valuable for individuals who qualify for Cost-Sharing Reductions (CSRs), which are only available with Silver plans and can significantly lower deductibles, copayments, and coinsurance.
- Gold plans feature higher monthly premiums but lower deductibles and out-of-pocket maximums. These plans are ideal for those who expect to use healthcare services more frequently and prefer predictable costs.
Who Qualifies for Subsidies on BridgeSpan Health Company Plans?
Many Taylorsville residents may qualify for financial assistance to make BridgeSpan Health Company plans more affordable. These subsidies, primarily Premium Tax Credits (PTCs) and Cost-Sharing Reductions (CSRs), are available through HealthCare.gov.Premium Tax Credits (PTCs): These credits reduce your monthly premium. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). In Utah, individuals and families with incomes between 100% and 400% FPL historically qualified for PTCs. However, under current federal rules, enhanced subsidies mean that many households above 400% FPL may also qualify, ensuring that no one pays more than 8.5% of their household income for a benchmark Silver plan.
Cost-Sharing Reductions (CSRs): These subsidies lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available with Silver-tier plans and are for individuals with incomes between 100% and 250% FPL. If you qualify, a Silver plan from BridgeSpan Health Company will provide significantly better coverage than a standard Silver plan, often with benefits comparable to a Gold plan but at a Silver plan's premium.
To determine your exact eligibility for these subsidies, it's essential to apply through HealthCare.gov or consult with a licensed health insurance producer who can help you navigate the process and understand your options.Utah Medicaid and CHIP Eligibility for Taylorsville Residents
Utah expanded its Medicaid program in 2020 through a ballot initiative, making health coverage accessible to more residents in Taylorsville. This is a significant difference from states that have not expanded Medicaid, as it eliminates a "coverage gap" for low-income adults.- Adults: Taylorsville adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, in 2024, this threshold is approximately $20,782 per year for a single individual.
- Pregnant Women: Utah Medicaid provides coverage for pregnant women with income up to 144% FPL, which extends beyond the standard adult eligibility. This coverage includes essential prenatal care, labor and delivery services, and postpartum care.
- Children (CHIP): Uninsured children in households with income up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP).
Health Insurance Carriers in Taylorsville
Taylorsville, Utah, is part of Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, 5 carriers offer marketplace health insurance plans in Rating Area 3, providing a range of choices for residents. These carriers include:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
How to Choose the Right Health Plan in Taylorsville
Choosing the right health insurance plan in Taylorsville involves considering your budget, healthcare needs, and preferred providers. Here's a decision-making guide:- If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply through the Utah Medicaid portal to access comprehensive, low-cost coverage.
- If your income is 100% to 250% FPL: You may qualify for significant premium tax credits and valuable Cost-Sharing Reductions (CSRs). Prioritize a Silver plan from BridgeSpan Health Company or another carrier, as CSRs only apply to Silver plans and can drastically reduce your out-of-pocket costs.
- If your income is 250% to 400% FPL (or higher with enhanced subsidies): You will likely qualify for premium tax credits. Compare Bronze, Silver, and Gold plans from all available carriers, including BridgeSpan Health Company, on HealthCare.gov. Consider a Bronze plan for lower premiums and higher deductibles, or a Gold plan for higher premiums and lower out-of-pocket costs if you expect frequent medical care.
- Consider Plan Type: Remember that only HMO and EPO plans are available on-exchange in Utah. If you have specific doctors, confirm their participation in the network of any plan you consider, especially for BridgeSpan Health Company's offerings.