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

Health Insurance for Plumbing Contractors in Herriman, Utah

Self-employed plumbing contractors in Herriman can access individual health plans through HealthCare.gov, with potential subsidies.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level, including many contractors.
PPO plans are not available on the Utah marketplace; choices are limited to HMO and EPO network types.
In 2026, 5 carriers, including Select Health and University of Utah Health Plans, offer marketplace plans in Herriman's Rating Area 3.

For plumbing contractors in Herriman, Utah, securing reliable health insurance is a critical business and personal decision. As self-employed professionals, plumbing contractors often navigate a unique set of challenges when it comes to healthcare coverage, from managing unpredictable income to understanding marketplace options. Thankfully, Herriman residents have access to the federal HealthCare.gov marketplace, where subsidies can significantly reduce the cost of monthly premiums. Utah's Medicaid expansion in 2020 also provides a crucial safety net, extending coverage to many individuals and families who may not qualify for marketplace subsidies but still need affordable care. Understanding these options is the first step toward choosing a plan that fits your needs and budget.

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What Health Insurance Options Are Available for Self-Employed Plumbing Contractors?

Self-employed plumbing contractors in Herriman typically have several pathways to health insurance coverage, primarily through the Affordable Care Act (ACA) marketplace. These plans are designed to be comprehensive, covering essential health benefits like doctor visits, prescriptions, emergency care, and maternity services.

Herriman, a growing community in Salt Lake County with a population of 59,346, boasts a median income of $122,650 and a low uninsured rate of 2.8% per U.S. Census Bureau ACS 2024 5-year estimates. This reflects a community where many residents are already prioritizing health coverage, often utilizing the robust options available through Utah's marketplace. Major healthcare providers in the broader Salt Lake County area, such as Intermountain Medical Center in Murray and University of Utah Hospital and Clinics, are typically in-network with many of the local plans.

On the HealthCare.gov marketplace, you will primarily find two types of plans in Utah:

HMO (Health Maintenance Organization): These plans generally require you to choose a primary care provider (PCP) within the network and get referrals to see specialists. They often have lower monthly premiums.
EPO (Exclusive Provider Organization): EPO plans also have a network of doctors and hospitals, but typically do not require a PCP referral to see specialists. However, they generally won't cover out-of-network care except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are NOT available on the HealthCare.gov marketplace in Utah. While PPO plans may exist off-marketplace, they typically do not qualify for federal subsidies, making them a less affordable option for many.

How Do ACA Subsidies and Medicaid Work for Contractors in Herriman?

Affordability is a key concern for many self-employed individuals. The ACA marketplace offers financial assistance, known as Premium Tax Credits (subsidies), to help reduce the cost of monthly premiums. These subsidies are available to plumbing contractors in Herriman with household incomes between 100% and 400% of the Federal Poverty Level (FPL). The exact amount of your subsidy depends on your income, household size, and the cost of the benchmark plan in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. For those with lower incomes, Utah's expanded Medicaid program offers another vital option. Utah expanded Medicaid in 2020, meaning adults with household incomes up to 138% FPL may qualify for comprehensive health coverage with minimal or no out-of-pocket costs. This is a significant difference from states that have not expanded Medicaid, ensuring that more Herriman residents have access to essential care. For example, a single plumbing contractor earning up to approximately $20,000 annually might qualify for Utah Medicaid. Pregnant women in Utah may qualify for Medicaid up to 144% FPL, and children through CHIP up to 200% FPL. To determine your eligibility for subsidies or Medicaid, you will provide income and household information when applying through HealthCare.gov.

Choosing the Right Plan: Bronze, Silver, Gold, or Platinum?

ACA plans are categorized into metal tiers (Bronze, Silver, Gold, Platinum) based on how costs are shared between you and the insurance company. For self-employed plumbing contractors, understanding these tiers is crucial for balancing premiums with potential out-of-pocket expenses.

Metal Tier	Approx. % Covered by Plan	Key Features for Contractors
Bronze	60%	Lowest monthly premiums, highest deductibles and out-of-pocket maximums. Good for healthy individuals who want protection against catastrophic events.
Silver	70%	Moderate premiums and deductibles. Crucially, if you qualify for subsidies, you may also be eligible for Cost-Sharing Reductions (CSRs) on Silver plans, which lower your deductibles, copays, and out-of-pocket maximums. This makes Silver plans a strong value for many contractors.
Gold	80%	Higher monthly premiums, but lower deductibles and out-of-pocket costs when you receive care. Ideal for those who expect to use medical services frequently.
Platinum	90%	Highest monthly premiums, lowest deductibles and out-of-pocket costs. Best for individuals with chronic conditions or very high anticipated medical needs.

For many self-employed plumbing contractors, Silver plans combined with Cost-Sharing Reductions (if eligible) often provide the best balance of affordability and comprehensive benefits. It's important to consider your expected healthcare usage and financial situation when making your choice.

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. These carriers provide a range of HMO and EPO options for Herriman residents:

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 which of these carriers includes your preferred doctors, specialists, or local hospitals like Holy Cross Hospital - Salt Lake or Intermountain Health Alta View Hospital in its network. Network access is a crucial factor, especially for plumbing contractors who may travel for work and need consistent coverage.

Making Your Health Insurance Decision

Choosing the right health insurance plan as a plumbing contractor in Herriman involves weighing several factors: your income, health needs, preferred doctors, and budget.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov for comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: Explore plans on HealthCare.gov. Focus on Silver plans to maximize potential Cost-Sharing Reductions in addition to Premium Tax Credits. Compare network coverage of local hospitals and doctors.
If your income is above 400% FPL: You will pay the full premium, but can still access plans on HealthCare.gov or off-marketplace. Carefully compare Bronze, Silver, and Gold plans based on your anticipated medical expenses.

A licensed health insurance producer can help you navigate these options, compare plans from the 5 local carriers, and ensure you receive all eligible subsidies. This service is typically free to you, as agents are compensated by insurance carriers.

Frequently Asked Questions

What health insurance options are available for self-employed plumbing contractors in Herriman?

Self-employed plumbing contractors in Herriman, Utah, can access individual and family health plans through HealthCare.gov. Options include HMO and EPO plans from carriers like Select Health and Regence BlueCross BlueShield of Utah. Depending on income, subsidies may significantly reduce monthly premiums.

Can plumbing contractors in Herriman qualify for Medicaid?

Yes, Utah expanded Medicaid in 2020. Adult plumbing contractors in Herriman with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, which offers comprehensive coverage with little to no cost. You can apply through medicaid.utah.gov.

Are PPO plans available on the HealthCare.gov marketplace in Utah?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Shoppers in Herriman will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures for their subsidized plans. PPO options may exist off-marketplace, but typically without subsidies.

How do subsidies work for plumbing contractors buying health insurance?

Subsidies, known as Premium Tax Credits, are available to Herriman plumbing contractors with household incomes between 100% and 400% of the Federal Poverty Level. These credits reduce your monthly premium, making health coverage more affordable. The exact amount depends on your income, household size, and the cost of plans in your area.

Can I deduct health insurance premiums as a self-employed plumbing contractor?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct the premiums you pay for health insurance (including dental and long-term care insurance) from your gross income. This is known as the self-employed health insurance deduction. Consult a tax professional for specific advice.