Updated July 2026 · UtahPlanFinder.com — Licensed Health Insurance Producer (NPN #21249133)

Health Insurance for Contractors in Taylorsville, Utah

Contractors in Taylorsville can purchase health insurance through HealthCare.gov, the federal marketplace for Utah.
In 2026, 5 carriers offer marketplace plans in Rating Area 3, which includes Taylorsville: BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Utah expanded Medicaid in 2020; adults with income up to 138% FPL may qualify for coverage.
On-exchange plans in Utah are limited to HMO and EPO network types; PPO plans are not available on HealthCare.gov.

As a contractor in Taylorsville, Utah, securing reliable health insurance is a critical step in managing your finances and well-being. Unlike traditional employees, you're responsible for finding and funding your own coverage, which can seem daunting. The good news is that the Affordable Care Act (ACA) marketplace, HealthCare.gov, provides robust options designed for individuals and families, often with significant financial assistance. This guide will walk you through your choices, including understanding plan types, eligibility for subsidies, and local carrier options specific to Taylorsville.

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How Do Contractors Get Health Insurance in Taylorsville?

The primary avenue for contractors in Taylorsville to obtain health insurance is through HealthCare.gov. This federal marketplace allows you to compare various plans, determine your eligibility for financial assistance, and enroll in coverage. Key advantages of using the marketplace include:

Premium Tax Credits (Subsidies): If your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies that significantly reduce your monthly premium costs.
Cost-Sharing Reductions (CSRs): If your income is below 250% FPL, you may also be eligible for CSRs, which lower your deductibles, copayments, and out-of-pocket maximums. These are only available on Silver-tier plans purchased through HealthCare.gov.
Guaranteed Coverage: Plans offered on the marketplace cannot deny you coverage or charge you more due to pre-existing conditions.

Beyond the marketplace, you can also purchase plans directly from insurance carriers outside of HealthCare.gov. While these "off-exchange" plans offer similar benefits, they are not eligible for federal subsidies, making them a less cost-effective option for most contractors who qualify for assistance.

Understanding Your Plan Options in Utah

Utah's health insurance marketplace offers specific plan types. It is important to understand these distinctions when making your choice:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within their network. Your PCP then refers you to specialists as needed. HMOs often have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers.
Exclusive Provider Organization (EPO) Plans: EPO plans also use a network of doctors and hospitals, but you typically don't need a referral to see a specialist. However, they generally won't cover care outside their network, except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are NOT available on HealthCare.gov in Utah. If you prefer a PPO plan, you would need to explore options directly from carriers outside the marketplace, meaning you would not be eligible for subsidies.

Medicaid and CHIP for Taylorsville Contractors and Families

Utah expanded its Medicaid program in 2020 (via Proposition 3 ballot initiative), significantly broadening access to affordable healthcare. This is a critical difference from states like Texas, where a coverage gap exists.

Utah Medicaid for Adults: As a contractor in Taylorsville, if your household income is up to 138% of the Federal Poverty Level (FPL), you may qualify for comprehensive Utah Medicaid coverage. For a single individual, this threshold is approximately $20,783 per year (based on 2024 FPL).
Medicaid for Pregnant Women: Pregnant women in Utah can qualify for Medicaid with household incomes up to 144% FPL. This coverage includes prenatal care, labor and delivery, and postpartum care.
CHIP for Children: Utah's Children's Health Insurance Program (CHIP) covers uninsured children in households with incomes up to 200% FPL.

You can apply for Utah Medicaid or CHIP through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Taylorsville

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, including Taylorsville. These carriers provide a range of HMO and EPO plans to choose from:

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

When selecting a plan, consider not only the premium but also the network of doctors and hospitals. Major health systems in Salt Lake County, such as University of Utah Hospital and Clinics and Intermountain Medical Center, are typically included in many of these carriers' networks. Taylorsville, with a population of 58,678 and an uninsured rate of 12.0% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Salt Lake County, which has 10 acute care hospitals serving its 1.19 million residents.

Choosing the Right Plan Tier for Your Needs

Marketplace plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. Each tier balances monthly premiums with out-of-pocket costs when you receive care.

Metal Tier	Monthly Premium (Taylorsville)	Out-of-Pocket Costs	Best For
Bronze	Lowest	Highest deductibles, copays, and out-of-pocket maximums	Contractors who are healthy, have emergency savings, and want the lowest monthly premium. Covers three primary care visits before deductible for some plans.
Silver	Moderate	Moderate deductibles, copays, and out-of-pocket maximums	Contractors who qualify for Cost-Sharing Reductions (CSRs), or those who expect moderate healthcare use. CSRs significantly enhance the value of Silver plans.
Gold	High	Lower deductibles, copays, and out-of-pocket maximums	Contractors who expect frequent healthcare use or have chronic conditions and prefer more predictable costs throughout the year.
Platinum	Highest	Lowest deductibles, copays, and out-of-pocket maximums	Contractors with extensive healthcare needs who want maximum coverage and are willing to pay a very high monthly premium for minimal out-of-pocket expenses.

For many contractors, Silver plans offer the best balance, especially if you qualify for Cost-Sharing Reductions. These reductions can make a Silver plan's out-of-pocket costs comparable to a Gold or even Platinum plan, but with a significantly lower premium.

Next Steps for Taylorsville Contractors

Navigating health insurance as a contractor requires careful consideration of your income, health needs, and budget. Here’s a summary of your decision points:

Assess Your Income: If your household income is at or below 138% FPL, apply for Utah Medicaid via medicaid.utah.gov. For a single person, this is approximately $20,783 per year.
Explore HealthCare.gov: If your income is above the Medicaid threshold but below 400% FPL, use HealthCare.gov to apply for subsidies (premium tax credits) and compare plans. Pay close attention to Silver plans if your income is below 250% FPL, as you may qualify for valuable Cost-Sharing Reductions.
Consider Plan Types: Remember that on-exchange plans in Taylorsville will be HMO or EPO. Evaluate which network structure best suits your preferences for provider access and referrals.
Review Local Carriers: Compare the plans offered by the 5 confirmed carriers in Rating Area 3 (BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans) to find one with a network that includes your preferred doctors or hospitals like Holy Cross Hospital - Salt Lake or Intermountain Medical Center.

A licensed health insurance producer can provide personalized, free assistance to help you understand your options, calculate your potential subsidies, and enroll in a plan that meets your unique needs as a contractor in Taylorsville.

Frequently Asked Questions

Can I get health insurance as a contractor in Taylorsville?

Yes, as a contractor in Taylorsville, you can purchase health insurance through HealthCare.gov. You may be eligible for subsidies (premium tax credits) to lower your monthly costs, depending on your household income. Utah's marketplace offers HMO and EPO plan types. You can also explore options directly from carriers off-exchange, though subsidies are only available on HealthCare.gov.

What income qualifies for Medicaid in Utah?

Utah expanded Medicaid in 2020. Adults in Taylorsville with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single individual earning up to approximately $20,783 per year (based on 2024 FPL guidelines) would be eligible. Pregnant women can qualify with income up to 144% FPL, and children through CHIP up to 200% FPL.

Are PPO plans available on HealthCare.gov in Taylorsville?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah, including Taylorsville. Shoppers on the marketplace in Rating Area 3, which covers Taylorsville, will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans may be available directly from carriers outside the marketplace, but these plans are not eligible for federal subsidies.

How do subsidies work for contractors in Taylorsville?

As a contractor, your income can fluctuate, but if your household income is between 100% and 400% FPL, you may qualify for premium tax credits (subsidies) through HealthCare.gov. These credits reduce your monthly premium. If your income is below 250% FPL, you might also qualify for cost-sharing reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans particularly valuable.