Health Insurance for Contractors & Marketing Agencies in Herriman, UT
- Herriman contractors can find individual plans on HealthCare.gov, potentially with subsidies that reduce monthly premiums by 50-80%.
- Small marketing agencies with 1+ non-owner employee can offer group health plans from 5 confirmed carriers in Rating Area 3, including Select Health and Regence BlueCross BlueShield of Utah.
- Utah's marketplace (HealthCare.gov) offers HMO and EPO plans; PPO plans are not available on-exchange for Herriman residents.
- Individuals with income up to 138% FPL may qualify for Utah Medicaid, which expanded in 2020.
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.
What Are the Health Insurance Options for Herriman Contractors?
For independent contractors and self-employed individuals in Herriman, the primary avenue for health insurance is the Affordable Care Act (ACA) marketplace, accessed through HealthCare.gov. These plans are comprehensive, covering essential health benefits like doctor visits, prescriptions, hospitalization, and mental health care. Eligibility for premium tax credits and cost-sharing reductions, which significantly lower out-of-pocket expenses, is determined by household income and family size. Plans on HealthCare.gov in Utah are structured as Health Maintenance Organization (HMO) or Exclusive Provider Organization (EPO) networks. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah. This means that marketplace shoppers in Herriman will choose between HMO and EPO options, which typically require selecting a primary care provider and may require referrals for specialists, especially with HMO plans. Short-term health insurance plans are another option for contractors seeking temporary coverage, but they do not meet ACA requirements. These plans often have lower premiums but may not cover pre-existing conditions, essential health benefits, or offer the same level of consumer protection. They are generally not recommended as a long-term solution.Understanding ACA Subsidies and Eligibility
Many Herriman contractors qualify for financial assistance, making marketplace plans more affordable. Premium tax credits can reduce your monthly premium, while cost-sharing reductions can lower your deductibles, copayments, and out-of-pocket maximums. Eligibility is based on your Modified Adjusted Gross Income (MAGI) relative to the Federal Poverty Level (FPL). In Utah, individuals with income between 100% and 400% FPL may qualify for premium tax credits. For those below 138% FPL, Utah's expanded Medicaid program offers comprehensive coverage.Small Group Health Insurance for Marketing Agencies in Herriman
Marketing agencies in Herriman, even those with just a few employees, can offer group health insurance benefits. Providing health coverage can be a significant advantage in attracting and retaining talented professionals in a competitive market like Salt Lake County. Group plans often provide broader network access and can sometimes be more cost-effective than individual plans for employees, though the employer contributes a portion of the premium.Key Considerations for Small Group Plans:
- Employee Count: Generally, agencies need at least one non-owner employee to qualify for a small group plan.
- Participation Requirements: Most carriers require a minimum percentage of eligible employees (e.g., 70%) to enroll in the plan.
- Employer Contribution: Agencies typically contribute a percentage of the employee's premium, often 50% or more.
- Tax Advantages: Employer contributions to group health insurance premiums are generally tax-deductible for the business.
Health Insurance Carriers in Herriman
In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. Herriman residents and small businesses can choose from plans offered by these confirmed local providers:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Understanding Utah Medicaid for Herriman Residents
Utah expanded Medicaid in 2020 via a ballot initiative, making it available to adults with incomes up to 138% of the Federal Poverty Level (FPL). This means that contractors or agency employees in Herriman with lower incomes may qualify for comprehensive health coverage at little to no cost. It is important to note that this is a critical difference from states that have not expanded Medicaid; there is no "coverage gap" in Utah for individuals between 100% and 138% FPL. For pregnant women, Utah Medicaid covers those with incomes up to 144% FPL, providing extensive prenatal, delivery, and postpartum care. Uninsured children in households up to 200% FPL may qualify for Utah CHIP. Applications for these programs can be made through Utah's Medicaid portal (medicaid.utah.gov).Making the Right Health Insurance Decision in Herriman
Choosing the right health insurance as a contractor or for a marketing agency in Herriman requires careful consideration of your specific needs and financial situation.| Scenario | Recommended Action | Key Benefit |
|---|---|---|
| Self-employed contractor, individual coverage needed | Explore HealthCare.gov for individual HMO/EPO plans. | Potential for significant premium tax credits and comprehensive ACA benefits. |
| Marketing agency with 1+ non-owner employee | Investigate small group plans from confirmed carriers (e.g., Select Health, Regence BlueCross BlueShield of Utah). | Employer tax deductions, improved employee retention, and potentially broader networks. |
| Lower income individual (below 138% FPL) | Apply for Utah Medicaid through medicaid.utah.gov. | Comprehensive, low-cost coverage due to Medicaid expansion. |
| Temporary coverage needed (e.g., between jobs) | Consider short-term health insurance, but understand limitations. | Lower premiums for short periods, but limited benefits and no ACA protections. |
Frequently Asked Questions
What health insurance options are available for contractors in Herriman?
Contractors in Herriman can explore individual plans through HealthCare.gov, often with subsidies based on income. Short-term health plans may also be an option for temporary coverage, though they do not cover essential health benefits or pre-existing conditions.
Can a small marketing agency in Herriman offer group health insurance?
Yes, small marketing agencies in Herriman with at least one non-owner employee can typically offer group health insurance. Options include SHOP Marketplace plans or direct plans from carriers like Select Health or Regence BlueCross BlueShield of Utah. Eligibility and cost depend on employee participation and the chosen plan structure.
Are PPO plans available on the Utah marketplace for Herriman residents?
No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Herriman residents shopping on the marketplace will find plans with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO plans may be available off-marketplace, but without subsidy eligibility.
What income level qualifies for Utah Medicaid in Herriman?
Adults in Herriman with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, following the state's Medicaid expansion in 2020. This program offers comprehensive, low-cost health coverage.
What is Rating Area 3 in Utah?
Rating Area 3 in Utah is the geographic area that determines health insurance plan pricing and availability, covering Davis, Salt Lake, Summit, Tooele, and Wasatch counties. All Herriman residents fall within this rating area.