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

Health Insurance for Landscaping Contractors in Clearfield, Utah

Clearfield landscaping contractors can access subsidies for HealthCare.gov plans if their income is between 100% and 400% of the Federal Poverty Level (FPL).
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% FPL, which includes many self-employed individuals.
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Clearfield and surrounding counties.
On-exchange plan types in Utah are limited to HMO and EPO options; PPO plans are not available through HealthCare.gov.

Navigating health insurance as a self-employed landscaping contractor in Clearfield, Utah, involves understanding your options on HealthCare.gov and the state's Medicaid program. You can find comprehensive plans that cover essential health benefits, often with significant financial assistance to lower your monthly premiums. Utah expanded Medicaid in 2020, providing a crucial safety net for those with lower incomes, unlike some other states. For those above Medicaid thresholds, HealthCare.gov offers subsidized plans, with four confirmed carriers serving Clearfield in 2026.

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What Are Your Health Insurance Options as a Self-Employed Contractor in Clearfield?

As a self-employed landscaping contractor, you have primary avenues for securing health insurance in Clearfield: the Affordable Care Act (ACA) marketplace via HealthCare.gov, and Utah Medicaid. The ACA marketplace offers plans that cover essential health benefits, including doctor visits, prescription drugs, mental health services, and maternity care. Crucially, these plans are eligible for premium tax credits and cost-sharing reductions, which can significantly lower your out-of-pocket costs based on your income. Clearfield is part of Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In this rating area, your marketplace choices will be between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO plans are not available on-exchange in Utah. Off-marketplace options exist, but they do not qualify for federal subsidies.

Understanding Subsidies and Utah Medicaid Eligibility

Many self-employed individuals qualify for financial assistance on HealthCare.gov. Premium tax credits reduce your monthly premium, while cost-sharing reductions lower your deductibles, copayments, and out-of-pocket maximums. Eligibility for these subsidies is based on your household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families with incomes between 100% and 400% FPL are eligible for premium tax credits. For those with lower incomes, Utah Medicaid is a vital resource. Utah expanded Medicaid in 2020 via Proposition 3, meaning adults with household incomes up to 138% FPL may qualify for comprehensive, low-cost or no-cost coverage. This expansion ensures that many self-employed contractors who might otherwise struggle to afford insurance have access to essential healthcare. For pregnant women, Utah Medicaid covers incomes up to 144% FPL, and CHIP covers children up to 200% FPL. Applications for Utah Medicaid can be made through medicaid.utah.gov.

Federal Poverty Level (FPL)	Health Insurance Option in Clearfield, UT	Key Benefit
Below 138% FPL	Utah Medicaid	Comprehensive, low-cost or no-cost coverage; includes adults, pregnant women (up to 144% FPL), and children (CHIP up to 200% FPL).
100% - 400% FPL	HealthCare.gov Marketplace Plans	Eligible for premium tax credits to reduce monthly premiums.
100% - 250% FPL	Enhanced Silver Plans (HealthCare.gov)	Eligible for cost-sharing reductions in addition to premium tax credits, lowering deductibles and copays.
Above 400% FPL	HealthCare.gov Plans or Off-Marketplace	Full premium responsibility, but still access to ACA protections and guaranteed essential health benefits.

Health Insurance Carriers in Clearfield

For 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Clearfield, Utah. These carriers provide a range of HMO and EPO plans across different metal tiers (Bronze, Silver, Gold, Platinum), allowing you to choose a plan that balances monthly premiums with out-of-pocket costs. The confirmed carriers for Clearfield and Rating Area 3 are:

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

When reviewing plans, consider the network of each carrier to ensure your preferred doctors and local facilities, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are included. Davis County, with a population of 370,924, is served by four acute care hospitals, ensuring access to a variety of healthcare providers.

Choosing the Right Plan for Your Landscaping Business

Selecting the best health insurance plan depends on your estimated income, health needs, and financial situation.

If your income is below 138% FPL: Apply for Utah Medicaid immediately. This will provide you with comprehensive, low-cost or no-cost health coverage.
If your income is between 100% and 250% FPL: Consider an Enhanced Silver plan on HealthCare.gov. These plans offer the best value, combining significant premium tax credits with cost-sharing reductions that lower your deductibles, copays, and out-of-pocket maximums.
If your income is above 250% FPL: Bronze, Silver, and Gold plans are available with premium tax credits. Bronze plans have the lowest monthly premiums but the highest out-of-pocket costs when you use care. Gold plans have higher premiums but lower costs when you need medical services.

Landscaping contractors in Clearfield, a city with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, have specific needs. It is crucial to choose a plan that covers the services you anticipate using, has a network that includes local hospitals like Holy Cross Hospital-davis, and fits your budget. A licensed health insurance agent can help you compare plans and determine your eligibility for financial assistance without any additional cost to you.

Frequently Asked Questions

What types of health plans are available for Clearfield landscaping contractors?

In Clearfield, Utah, landscaping contractors can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov. PPO plans are not available through the marketplace in Utah. These plans cover essential health benefits, and many contractors qualify for subsidies to lower their monthly premiums.

Can self-employed landscaping contractors in Clearfield get subsidies?

Yes, self-employed landscaping contractors in Clearfield may qualify for premium tax credits and cost-sharing reductions based on their household income. Many individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) receive significant financial assistance, making marketplace plans more affordable.

Is Utah Medicaid available for low-income contractors?

Yes, Utah expanded Medicaid in 2020. Landscaping contractors in Clearfield who are adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive, low-cost or no-cost health coverage and is a critical option for those with limited income.

How does being self-employed affect health insurance choices?

As a self-employed landscaping contractor, you are responsible for your own health insurance. You can purchase plans through HealthCare.gov, potentially qualifying for subsidies, or explore off-marketplace plans. Business expenses like health insurance premiums can often be tax-deductible, reducing your taxable income. Consulting a licensed agent can help you navigate these options effectively.