Bridgespan Health Insurance Options in Washington County, Utah

For 2026, Bridgespan health insurance plans are not offered on the HealthCare.gov marketplace in Washington County, Utah.
Washington County is part of Utah Rating Area 5, which includes Iron County, and is served by Molina Healthcare, Select Health, and University of Utah Health Plans.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Marketplace plans in Washington County are limited to HMO and EPO network types; PPO plans are not available on-exchange in Utah.

Navigating health insurance options in Washington County, Utah, involves understanding which carriers and plan types are available through the HealthCare.gov marketplace. While you may be searching for Bridgespan health insurance, it's important to note that for the 2026 plan year, Bridgespan plans are not offered in Rating Area 5, which covers Washington and Iron counties. Instead, residents have access to plans from other confirmed carriers. Subsidies, known as Advance Premium Tax Credits (APTCs), are available to eligible individuals and families to help lower monthly premiums, making coverage more affordable. Utah also has expanded Medicaid, providing options for lower-income residents.

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What Health Insurance Carriers Are Available in Washington County?

For the 2026 plan year, residents of Washington County, Utah, which is part of Rating Area 5 (covering Iron and Washington counties), will find a selection of health insurance plans from three confirmed carriers on the HealthCare.gov marketplace. It is important to reiterate that Bridgespan is not among the carriers offering plans in this specific rating area for 2026. The available carriers are:

Molina Healthcare
Select Health
University of Utah Health Plans

These carriers offer a range of plans designed to meet different needs and budgets, providing access to essential health benefits. When selecting a plan, it is crucial to verify that your preferred doctors and facilities, such as St. George Regional Hospital, are within the plan's network.

Understanding Plan Types in Washington County

In Washington County, Utah, health insurance shoppers on the HealthCare.gov marketplace will primarily encounter two types of plans: Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO). Unlike some other states, PPO plans are not available on-exchange in Utah.

HMO (Health Maintenance Organization): These plans typically require you to choose a primary care provider (PCP) within the 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 their network.
EPO (Exclusive Provider Organization): EPO plans offer more flexibility than HMOs by not requiring a PCP referral to see specialists. However, they generally do not cover out-of-network care, except in emergencies.

Both HMO and EPO plans provide comprehensive coverage for essential health benefits, including doctor visits, hospital care, prescription drugs, and preventive services.

Who Qualifies for Medicaid in Utah?

Utah expanded its Medicaid program in 2020 through a ballot initiative (Proposition 3), providing broader coverage for low-income residents in Washington County and across the state. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This means that if your income falls within this range, you may be eligible for comprehensive, low-cost or no-cost health coverage, a significant difference from states that have not expanded Medicaid. Specific income thresholds for other groups include:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing access to prenatal care, labor and delivery, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP).

Applications for Utah Medicaid can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Financial Assistance for Health Coverage in Washington County

Many residents in Washington County qualify for financial assistance to help make health insurance more affordable. These subsidies, officially known as Advance Premium Tax Credits (APTCs), can significantly reduce your monthly premium payments for plans purchased through HealthCare.gov. Eligibility for APTCs is based on household income and family size, with subsidies generally available to individuals and families earning between 100% and 400% of the Federal Poverty Level. In Washington County, with a median income of $80,632 and a population of 196,431 per U.S. Census Bureau ACS 2024 5-year estimates, many households will find that they qualify for some level of financial assistance. It's crucial to apply through HealthCare.gov to determine your exact subsidy amount. For those with incomes between 100% and 250% FPL, additional Cost-Sharing Reductions (CSRs) may be available on Silver-tier plans, which lower your deductibles, copayments, and out-of-pocket maximums.

Making an Informed Decision for Your Health Coverage

Choosing the right health insurance plan in Washington County involves considering your budget, healthcare needs, and preferred providers. Since Bridgespan plans are not available, you will need to evaluate the options from Molina Healthcare, Select Health, and University of Utah Health Plans.

Washington County's Rating Area 5, which covers Iron and Washington counties, serves a population of 196,431 with an uninsured rate of 11.1%. St. George Regional Hospital in St. George provides acute care services, and ensuring your chosen plan includes this facility is often a priority for local residents.

Here’s a guide to help you decide:

If your income is below 138% FPL: You may qualify for Utah Medicaid. Apply through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are likely eligible for premium subsidies (APTCs) on HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to take advantage of Cost-Sharing Reductions.
If your income is above 400% FPL: You will pay the full premium but can still find comprehensive coverage on HealthCare.gov. Catastrophic plans may be an option for those under 30 or with hardship exemptions.

A licensed health insurance agent can provide personalized guidance, help you compare plans, and assist with the enrollment process at no additional cost to you.

Frequently Asked Questions

Are Bridgespan health plans available in Washington County, Utah?

No, for the 2026 plan year, Bridgespan health insurance plans are not offered on the HealthCare.gov marketplace in Washington County, Utah. Residents of Rating Area 5, which includes Washington and Iron counties, have access to plans from Molina Healthcare, Select Health, and University of Utah Health Plans.

What types of health insurance plans are available in Washington County?

In Washington County, residents can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on the HealthCare.gov marketplace. PPO plans are not available on-exchange in Utah.

Who qualifies for Utah Medicaid in Washington County?

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

How do I enroll in a health insurance plan in Washington County?

Enrollment for marketplace plans in Washington County, Utah, occurs through HealthCare.gov during the annual Open Enrollment Period, typically from November 1st to January 15th. You may also qualify for a Special Enrollment Period if you experience a qualifying life event like marriage, birth of a child, or loss of other coverage. A licensed agent can assist you with enrollment for free.