Health Insurance for Contractors & Childcare Providers in Davis County, UT
- Self-employed contractors and childcare providers in Davis County can find plans through HealthCare.gov.
- Four carriers offer marketplace plans in Utah Rating Area 3, which includes Davis County, for 2026.
- Utah expanded Medicaid in 2020, making adults with income up to 138% FPL eligible.
- Marketplace plans in Utah are primarily HMO and EPO networks; PPO plans are not available on-exchange.
Get Your Free Health Insurance Quote
A licensed agent can compare coverage options for you at no cost.
You're all set!
A licensed agent will reach out shortly.
Understanding Your Health Insurance Options in Davis County
As a self-employed individual or small business owner in the childcare industry in Davis County, you typically have two main avenues for health coverage: the Affordable Care Act (ACA) marketplace (HealthCare.gov) or Utah Medicaid. Your eligibility and the cost of coverage will largely depend on your household income and family size. The ACA marketplace offers plans categorized by "metal tiers" (Bronze, Silver, Gold, Platinum), each representing a different balance between monthly premiums and out-of-pocket costs. Bronze plans have lower premiums but higher deductibles, while Gold and Platinum plans have higher premiums but lower out-of-pocket costs. Silver plans are unique because they can come with additional Cost-Sharing Reductions (CSRs) if your income is below 250% of the Federal Poverty Level, making them a strong value for many. Utah Medicaid, expanded in 2020, provides comprehensive, low-cost or free health coverage for eligible low-income residents. If your income falls below 138% of the Federal Poverty Level, this could be your most affordable option.What Plans and Carriers Are Available in Davis County?
Residents of Davis County purchase health insurance through HealthCare.gov, the federal marketplace. Davis County is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, four carriers offer marketplace plans in Rating Area 3:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Financial Assistance for Self-Employed Individuals
Many self-employed contractors and childcare providers qualify for financial assistance on HealthCare.gov, which can significantly reduce the cost of health insurance. These subsidies come in two main forms:- Premium Tax Credits (PTC): These credits lower your monthly premium payments. Eligibility is based on your household income relative to the Federal Poverty Level (FPL). The lower your income, the larger your credit.
- Cost-Sharing Reductions (CSRs): These are only available with Silver-tier plans for individuals with incomes up to 250% FPL. CSRs reduce the amount you pay out-of-pocket for deductibles, copayments, and coinsurance, making your plan much more comprehensive.
Utah Medicaid: An Option for Lower Incomes
Utah expanded its Medicaid program in 2020, offering a vital safety net for low-income residents. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for comprehensive health coverage through Utah Medicaid. This is a crucial distinction from non-expansion states, where many individuals in this income bracket would fall into a "coverage gap." Specific income thresholds for Utah Medicaid and CHIP include:- Adults: Up to 138% FPL
- Pregnant Women: Up to 144% FPL (coverage includes prenatal care, labor and delivery, and postpartum care)
- Children (CHIP): Up to 200% FPL
Choosing the Right Plan for Your Childcare Business
When selecting a health plan as a childcare provider, consider the following:- Budget: How much can you comfortably afford each month for premiums? Balance this with potential out-of-pocket costs (deductibles, copays).
- Network: Do your preferred doctors or the hospitals you want to use (like Holy Cross Hospital-davis or Lakeview Hospital) accept the plan? HMOs and EPOs have specific networks.
- Health Needs: If you anticipate frequent doctor visits or require specific prescriptions, a plan with lower deductibles and copays (like a Silver or Gold plan) might be more cost-effective in the long run, even with higher premiums. If you are generally healthy and only expect preventative care, a Bronze plan might suffice.
- Subsidies: Always check your eligibility for Premium Tax Credits and Cost-Sharing Reductions. These can drastically change the affordability of a plan.
Frequently Asked Questions
Can I get health insurance if I'm a self-employed childcare provider in Davis County, UT?
Yes, self-employed childcare providers in Davis County can obtain health insurance through the federal HealthCare.gov marketplace during Open Enrollment or a Special Enrollment Period. Depending on your income, you may qualify for significant financial assistance to lower your monthly premiums and out-of-pocket costs. Utah also has expanded Medicaid, which may be an option for lower-income individuals.
What types of health plans are available in Davis County, Utah?
In Davis County, which is part of Utah Rating Area 3, marketplace plans are primarily offered as Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. Unlike some other states, PPO plans are not available on-exchange in Utah. These plans vary in cost, network restrictions, and out-of-pocket maximums across different metal tiers (Bronze, Silver, Gold, Platinum).
How do subsidies work for self-employed individuals in Utah?
Subsidies, officially known as Premium Tax Credits, are available to eligible self-employed individuals and families in Utah to reduce their monthly health insurance premiums. Eligibility is based on household income relative to the Federal Poverty Level (FPL). You must purchase a plan through HealthCare.gov to receive these credits. Many contractors and childcare providers find these subsidies make coverage much more affordable, especially for Silver-tier plans that also offer Cost-Sharing Reductions.
What is the income limit for Utah Medicaid for adults?
Utah expanded Medicaid in 2020, meaning adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive health coverage. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it extends up to 200% FPL. If your income falls within these ranges, you should apply through Utah's Medicaid portal.