Health Insurance for Contractors & Childcare Providers in Centerville, Utah

Self-employed contractors and childcare providers in Centerville can access subsidized health insurance through HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Davis, Salt Lake, Summit, Tooele, and Wasatch counties.
PPO plans are not available on-exchange in Utah; marketplace shoppers choose between HMO and EPO network structures.
Centerville's uninsured rate is 4.5%, lower than Davis County's 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance as a self-employed contractor or childcare provider in Centerville, Utah, can seem complex, but robust options are available. The primary pathway for affordable coverage is HealthCare.gov, the federal marketplace where you can apply for subsidies that significantly reduce your monthly premiums and out-of-pocket costs. Utah's expanded Medicaid program also provides a vital safety net for those with lower incomes. Understanding your eligibility and the plan types offered in Centerville's Rating Area 3 is key to securing appropriate coverage for yourself and your family.

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What Are My Health Insurance Options as a Contractor in Centerville?

As a self-employed individual or contractor in Centerville, your main avenues for health insurance include:

HealthCare.gov Marketplace Plans: This is the most common and often most affordable option. Based on your household income and size, you can qualify for Advance Premium Tax Credits (APTCs) to lower your monthly premiums, and Cost-Sharing Reductions (CSRs) to decrease your deductibles, copayments, and out-of-pocket maximums. Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.
Utah Medicaid: If your income falls below 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid. Utah expanded Medicaid in 2020, providing comprehensive, low-cost coverage to many low-income adults, including those who are self-employed.
Private Off-Exchange Plans: You can purchase plans directly from insurance carriers outside of HealthCare.gov. However, these plans are not eligible for federal subsidies, making them a less cost-effective choice for most individuals who qualify for financial assistance.
Short-Term Health Insurance: These plans offer temporary coverage and typically have lower premiums but do not cover essential health benefits as required by the Affordable Care Act (ACA). They often exclude pre-existing conditions and may not be suitable for comprehensive, long-term coverage.

Centerville, part of Utah Rating Area 3, is home to a population of 16,679 with a median income of $123,130, per U.S. Census Bureau ACS 2024 5-year estimates. This area, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, has a relatively low uninsured rate of 4.5% compared to the statewide average, indicating strong access to coverage options.

Understanding HealthCare.gov Subsidies and Eligibility

The Affordable Care Act (ACA) marketplace on HealthCare.gov provides critical financial assistance to make health insurance affordable for self-employed individuals and contractors. Eligibility for subsidies is based on your household income relative to the Federal Poverty Level (FPL).

Household Size	100% FPL (approx. 2024)	138% FPL (Medicaid Eligibility)	250% FPL (Enhanced Silver Eligibility)	400% FPL (Premium Tax Credit Eligibility)
1	$14,580	$20,110	$36,450	$58,320
2	$19,720	$27,214	$49,300	$78,880
3	$24,860	$34,318	$62,150	$99,440
4	$30,000	$41,422	$75,000	$120,000

Note: FPL figures are approximations and may be updated annually. If your income is between 100% and 400% FPL, you are likely eligible for Advance Premium Tax Credits (APTCs) to lower your monthly premiums. If your income is below 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs), which are available only with Silver plans purchased through HealthCare.gov. These CSRs significantly reduce your out-of-pocket costs, including deductibles, copays, and coinsurance.

Utah Medicaid for Self-Employed Individuals

Utah expanded its Medicaid program in 2020 through a ballot initiative, a significant change that benefits many residents, including self-employed contractors and childcare providers. This expansion means that adults with household incomes up to 138% of the Federal Poverty Level (FPL) are now eligible for comprehensive Utah Medicaid coverage. This is a critical distinction from states that have not expanded Medicaid, where a "coverage gap" can exist for those below 100% FPL. For specific populations, Utah also offers higher income thresholds:

Pregnant Women: Up to 144% FPL. This coverage includes comprehensive prenatal care, labor and delivery services, and postpartum care.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL may qualify for the Children's Health Insurance Program (CHIP).

If you believe you might qualify for Utah Medicaid, you can apply directly through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Centerville

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange in Utah. The confirmed carriers for Centerville and the surrounding Rating Area 3 are:

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

When selecting a plan, consider factors such as network size, prescription drug coverage, and whether your preferred doctors and hospitals are in-network. Davis County, where Centerville is located, is served by several acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. It is always wise to confirm that your chosen plan includes access to the medical facilities and specialists you need.

Choosing the Right Plan: A Decision Guide for Centerville Contractors

Selecting the best health insurance plan as a self-employed childcare provider or contractor in Centerville depends heavily on your income, health needs, and budget. 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 through medicaid.utah.gov.
If your income is 138% - 250% FPL: Focus on Silver plans through HealthCare.gov. These plans offer both premium tax credits and valuable Cost-Sharing Reductions (CSRs), which significantly lower your deductibles, copays, and out-of-pocket maximums. A Silver plan with CSRs can often provide better overall value than a Gold plan for individuals in this income bracket.
If your income is 250% - 400% FPL: You will qualify for premium tax credits. Compare Bronze, Silver, and Gold plans. Bronze plans have lower premiums but higher deductibles, suitable for those who expect minimal medical care. Silver plans offer a balance of premiums and out-of-pocket costs. Gold plans have higher premiums but lower deductibles and out-of-pocket maximums, ideal if you anticipate frequent medical visits or have ongoing health conditions.
If your income is above 400% FPL: You can still purchase plans through HealthCare.gov or directly from carriers. While you won't qualify for federal subsidies, the marketplace provides a convenient way to compare plans and enroll.

Centerville and Davis County residents have access to quality healthcare through systems like Intermountain Health Layton Hospital and University of Utah Health Plans, which is also a confirmed carrier in the rating area. Centerville's uninsured rate of 4.5% is notably lower than Davis County's 5.7%, indicating a strong local engagement with health coverage options.

Frequently Asked Questions

Can I get health insurance if I'm a self-employed childcare provider in Centerville?

Yes, self-employed individuals and contractors, including childcare providers in Centerville, can purchase health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making coverage more affordable. Utah's marketplace offers HMO and EPO plans.

What are the income limits for Utah Medicaid for self-employed individuals?

In Utah, adults with household income up to 138% of the Federal Poverty Level (FPL) are eligible for Utah Medicaid. For a single individual, this was approximately $20,782 in 2024. Pregnant women can qualify with income up to 144% FPL, and children up to 200% FPL through CHIP.

Are PPO plans available on the HealthCare.gov marketplace in Centerville, Utah?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Centerville residents shopping on the marketplace will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. These plans still offer comprehensive benefits and financial assistance.

How do I choose the best health plan as a contractor in Centerville?

Consider your estimated annual income, expected medical needs, and preferred doctors. If you qualify for subsidies, compare Bronze, Silver, and Gold plans. Silver plans offer additional Cost-Sharing Reductions for those with incomes up to 250% FPL. An independent licensed agent can help you compare options from carriers like Select Health and Regence BlueCross BlueShield of Utah.