Health Insurance for Personal Trainers & Contractors in Davis County, Utah
- Self-employed personal trainers and contractors in Davis County can purchase ACA-compliant plans through HealthCare.gov.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- In 2026, four carriers—including Select Health and Regence BlueCross BlueShield of Utah—offer marketplace plans in Davis County's Rating Area 3.
- Financial assistance (subsidies) are available for individuals with household incomes between 100% and 400% FPL, significantly reducing monthly premiums.
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What Are Your Health Insurance Options in Davis County, Utah?
As a self-employed personal trainer or contractor in Davis County, your primary avenue for obtaining health insurance is through HealthCare.gov, the federal marketplace serving Utah. This platform allows you to compare various plans, determine your eligibility for financial assistance, and enroll in coverage. The plans available on-exchange are guaranteed to cover essential health benefits, including doctor visits, prescription drugs, mental health care, and hospital stays. In Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, marketplace shoppers will find a choice between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. It is important to note that PPO plans are not available on-exchange in Utah. HMOs typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists, while EPOs offer more flexibility to see specialists without a referral, as long as they are within the plan's network.Understanding Financial Assistance and Medicaid in Utah
One of the most significant benefits of purchasing health insurance through HealthCare.gov is the availability of financial assistance, which can substantially reduce your monthly premiums and out-of-pocket costs.Premium Tax Credits (Subsidies)
Premium tax credits, often referred to as subsidies, are available to individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL). These credits can be used immediately to lower your monthly premium payments. The exact amount of your subsidy depends on your income, household size, and the cost of the second-lowest-cost Silver plan in your rating area.Cost-Sharing Reductions (CSRs)
If your household income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions (CSRs). These are an additional form of financial help that lowers your out-of-pocket costs, such as deductibles, copayments, and coinsurance. CSRs are only available if you enroll in a Silver-tier plan.Utah Medicaid Expansion
Utah expanded Medicaid in 2020, a critical detail for many contractors and personal trainers. If your household income is up to 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid. This program provides comprehensive health coverage with little to no cost. For example, a single individual earning less than approximately $20,120 per year (based on 2026 FPL figures) could be eligible. Pregnant women in Utah may qualify for Medicaid with income up to 144% FPL, and children can be covered under Utah CHIP up to 200% FPL. Applications for Utah Medicaid can be submitted through medicaid.utah.gov.Health Insurance Carriers in Davis County
In 2026, four carriers offer marketplace plans in Utah Rating Area 3, which includes Davis County. These carriers provide a range of HMO and EPO plans designed to meet diverse needs and budgets:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Plan: A Decision Guide for Contractors
Selecting the best health insurance plan involves balancing premiums, out-of-pocket costs, and network access. Here’s a guide for personal trainers and contractors:| Income Level | Recommended Action | Key Benefits |
|---|---|---|
| Below 138% FPL | Apply for Utah Medicaid | Comprehensive coverage, very low or no cost, covers essential health benefits. |
| 138% - 250% FPL | Enroll in a Silver plan with Cost-Sharing Reductions (CSRs) | Lower premiums with subsidies, significantly reduced deductibles, copays, and out-of-pocket maximums. |
| 250% - 400% FPL | Explore Bronze, Silver, or Gold plans with Premium Tax Credits | Subsidies reduce premiums. Silver plans offer moderate costs, Gold plans offer lower out-of-pocket costs in exchange for higher premiums. Bronze plans have lowest premiums, highest out-of-pocket costs. |
| Above 400% FPL | Compare plans on HealthCare.gov or directly with carriers | No subsidies, but can still access ACA-compliant plans. Consider your expected healthcare usage to choose between lower premium/higher deductible (Bronze) or higher premium/lower deductible (Gold). |
Consider Your Healthcare Needs
Low Usage: If you are generally healthy and anticipate minimal doctor visits, a Bronze plan with a high deductible might offer the lowest monthly premium. Moderate Usage: Silver plans are a popular choice, especially if you qualify for CSRs, as they balance premiums with out-of-pocket costs. High Usage: If you have chronic conditions or expect frequent medical care, a Gold plan will have higher monthly premiums but lower deductibles and out-of-pocket maximums, leading to predictable costs.Frequently Asked Questions
What are the health insurance options for self-employed personal trainers in Davis County?
Self-employed personal trainers in Davis County can access health insurance through HealthCare.gov, Utah's federal marketplace. Options include HMO and EPO plans from local carriers like Select Health and Regence BlueCross BlueShield of Utah. Eligibility for subsidies depends on your household income relative to the Federal Poverty Level (FPL).
Can contractors in Utah qualify for Medicaid?
Yes, Utah expanded Medicaid in 2020. Contractors in Utah may qualify for Utah Medicaid if their household income is up to 138% of the Federal Poverty Level (FPL). This provides comprehensive, low-cost coverage. You can apply through Utah's Medicaid portal at medicaid.utah.gov.
Are PPO plans available on-exchange for self-employed individuals in Davis County?
No, PPO plans are not available on Utah's federal marketplace (HealthCare.gov) in Davis County. Marketplace shoppers in Utah Rating Area 3, which includes Davis County, can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures for their health plans.
How does household income affect health insurance costs for contractors?
Household income is crucial for determining eligibility for financial assistance. If your income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for premium tax credits (subsidies) to lower your monthly premiums. Those below 138% FPL may qualify for Utah Medicaid. Cost-sharing reductions (CSRs) are also available for incomes up to 250% FPL, reducing deductibles and copays.