Regence BlueCross BlueShield of Utah Health Insurance in Clearfield, UT
- Regence BlueCross BlueShield of Utah is one of 4 carriers offering marketplace plans in Clearfield's Rating Area 3 for 2026.
- Marketplace plans in Utah, including those from Regence BlueCross BlueShield of Utah, are limited to HMO and EPO network types; PPO plans are not available on-exchange.
- Clearfield residents with incomes up to 400% FPL may qualify for premium tax credits, significantly reducing monthly premiums for Regence BlueCross BlueShield of Utah plans.
- Utah expanded Medicaid in 2020, covering adults up to 138% FPL and pregnant women up to 144% FPL.
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What Are Your Regence BlueCross BlueShield of Utah Options in Clearfield?
For 2026, Regence BlueCross BlueShield of Utah offers a range of Affordable Care Act (ACA) compliant health plans through HealthCare.gov in Clearfield. These plans are structured as either HMOs or EPOs. An HMO plan typically requires you to choose a primary care provider (PCP) within the network and get referrals for specialists. An EPO plan offers more flexibility to see specialists without a referral, but you must still stay within the plan's network for covered services. Both plan types emphasize in-network care to keep costs down. Clearfield is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. This means the plans and pricing for Regence BlueCross BlueShield of Utah will be consistent across these counties within the rating area. Regence BlueCross BlueShield of Utah plans cover essential health benefits as mandated by the ACA, including preventive care, emergency services, hospitalization, prescription drugs, mental health services, and maternity care.Understanding Plan Tiers and Costs
ACA plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, or the average percentage of healthcare costs the plan is expected to cover.| Metal Tier | Plan Pays (Approx.) | You Pay (Approx.) | Key Features |
|---|---|---|---|
| Bronze | 60% | 40% | Lowest monthly premiums, highest out-of-pocket costs (deductibles, copays). Best for those who rarely use medical services. |
| Silver | 70% | 30% | Moderate premiums and out-of-pocket costs. Eligible for Cost-Sharing Reductions (CSRs) for lower-income individuals, significantly reducing deductibles and copays. |
| Gold | 80% | 20% | Higher monthly premiums, lower out-of-pocket costs. Good for those who expect to use medical services frequently. |
| Platinum | 90% | 10% | Highest monthly premiums, lowest out-of-pocket costs. Best for those with significant ongoing medical needs. (Often not available from all carriers in all RAs.) |
How to Qualify for Financial Assistance in Clearfield
Many Clearfield residents can significantly reduce their health insurance costs through financial assistance programs available via HealthCare.gov.Premium Tax Credits (Subsidies)
If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Advance Premium Tax Credits (APTCs). These credits are paid directly to your insurer, lowering your monthly premium. For example, a single individual in Clearfield earning up to approximately $58,320 per year (400% FPL for 2026, based on current FPLs) could be eligible for these subsidies. The actual amount depends on your income, household size, and the cost of the benchmark Silver plan in your area.Cost-Sharing Reductions (CSRs)
In addition to premium tax credits, if your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). CSRs are only available with Silver plans and reduce your out-of-pocket costs, such as deductibles, copayments, and coinsurance. This makes Silver plans a particularly good value for eligible individuals, often providing a higher actuarial value than a Gold plan at a lower premium.Utah Medicaid and CHIP
Utah expanded Medicaid in 2020. This means adults in Clearfield with household incomes up to 138% of the Federal Poverty Level (FPL) can qualify for Utah Medicaid. For a single individual, this is roughly an annual income of $20,120 (based on 2026 FPL estimates). Utah Medicaid provides comprehensive, low-cost or no-cost health coverage. Additionally, pregnant women with incomes up to 144% FPL are covered, and children in households up to 200% FPL can qualify for the Children's Health Insurance Program (CHIP). Applications for Utah Medicaid can be submitted through medicaid.utah.gov.Health Insurance Carriers in Clearfield
Clearfield, Utah, located in Davis County, is part of Utah Rating Area 3. In 2026, 4 carriers offer marketplace plans in Rating Area 3. These carriers provide a variety of HMO and EPO plan options for residents. The confirmed carriers offering marketplace plans in Clearfield for the 2026 plan year include:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Making Your Health Insurance Decision in Clearfield
Choosing the right health insurance plan, whether from Regence BlueCross BlueShield of Utah or another carrier, depends on your unique financial situation and healthcare needs. Here’s a guide to help you decide:- If your income is below 138% FPL: You likely qualify for Utah Medicaid. This offers comprehensive coverage with minimal or no out-of-pocket costs. Apply directly through Utah's Medicaid portal.
- If your income is between 100% and 250% FPL: You are eligible for both premium tax credits and Cost-Sharing Reductions (CSRs). Opting for a Silver plan is highly recommended, as CSRs will significantly lower your deductibles, copays, and out-of-pocket maximums, making it a powerful value.
- If your income is between 250% and 400% FPL: You qualify for premium tax credits to reduce your monthly premiums. Consider a Silver plan for a balance of premium and out-of-pocket costs, or a Gold plan if you anticipate frequent medical care and prefer lower costs when you use services.
- If your income is above 400% FPL: You do not qualify for subsidies but can still enroll in an ACA marketplace plan. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage. Bronze plans have the lowest premiums but high deductibles, while Gold plans have higher premiums but lower out-of-pocket costs.
Frequently Asked Questions
What plan types does Regence BlueCross BlueShield of Utah offer in Clearfield?
In Clearfield, which is part of Utah Rating Area 3, Regence BlueCross BlueShield of Utah offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov. PPO plans are not available on the marketplace in Utah.
Can I get financial help for Regence BlueCross BlueShield of Utah plans in Clearfield?
Yes, if your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits and cost-sharing reductions through HealthCare.gov to lower the cost of Regence BlueCross BlueShield of Utah plans. Many Clearfield residents qualify for significant savings.
Is Medicaid available in Clearfield, Utah?
Yes, Utah expanded Medicaid in 2020. Adults in Clearfield with household incomes 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.