Health Insurance for Contractors & Restaurant Owners in Highland, Utah
- Highland contractors and restaurant owners can find subsidized health insurance on HealthCare.gov, with 5 carriers offering plans in Rating Area 4.
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- Marketplace plans in Utah consist of HMO and EPO networks; PPO plans are not available on-exchange for subsidy eligibility.
- The median household income in Highland is $186,075, significantly higher than Utah County's median of $100,671, impacting subsidy eligibility.
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What Health Insurance Options Are Available for Self-Employed in Highland?
As a contractor or restaurant owner in Highland, your primary avenue for individual and family health insurance is the Affordable Care Act (ACA) marketplace, operated federally through HealthCare.gov. These plans cover essential health benefits, including doctor visits, prescriptions, emergency care, and maternity services. In Utah, the marketplace offers 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, meaning subsidy-eligible plans will primarily utilize HMO or EPO network structures. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum.- Bronze plans: Offer the lowest monthly premiums but have the highest deductibles and out-of-pocket costs. They are suitable for those who expect to use medical services infrequently.
- Silver plans: Provide a balance between premiums and out-of-pocket costs. They are particularly valuable for individuals and families with incomes up to 250% of the Federal Poverty Level (FPL), as they may qualify for additional cost-sharing reductions that lower deductibles and copays.
- Gold and Platinum plans: Feature higher monthly premiums but lower deductibles and out-of-pocket maximums, ideal for those who anticipate needing more frequent medical care.
Understanding Utah Medicaid for Contractors and Small Business Owners
Unlike some states, Utah expanded its Medicaid program in 2020, making health coverage available to more low-income adults. If you are a contractor or small business owner in Highland with an income up to 138% of the Federal Poverty Level, you may qualify for Utah Medicaid. This program provides comprehensive health benefits with little to no cost for premiums, deductibles, or copayments. Specifically, for pregnant women in Utah, Medicaid covers those with incomes up to 144% FPL, offering crucial prenatal care, labor, delivery, and postpartum support. Additionally, uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP). Applying through Utah's Medicaid portal (medicaid.utah.gov) is the direct path to determine eligibility and access these vital benefits. This expanded access ensures that a broader range of Highland residents have options for essential healthcare.Health Insurance Carriers in Highland
Residents of Highland, Utah, which is part of Utah Rating Area 4, have access to a competitive marketplace for health insurance. In 2026, 5 carriers offer marketplace plans in this rating area. These carriers provide a range of HMO and EPO plans designed to meet various needs and budgets:- BridgeSpan Health Company
- Imperial Health Plan of Utah
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Best Plan for Your Restaurant Business or Contracting Work
Selecting the right health insurance plan as a self-employed individual in Highland requires careful consideration of your income, health needs, and budget. Here's a decision framework:| Your Situation | Recommended Action | Key Considerations |
|---|---|---|
| Income < 138% FPL | Apply for Utah Medicaid | Comprehensive coverage, minimal to no cost. Utah expanded Medicaid in 2020, so you likely qualify. |
| Income 138% - 250% FPL | Enroll in a Silver plan with Cost-Sharing Reductions (CSRs) | Significant premium subsidies and reduced out-of-pocket costs (deductibles, copays). Best value for moderate income. |
| Income 250% - 400% FPL | Enroll in any metal tier (Bronze, Silver, Gold) with Premium Tax Credits | You'll receive subsidies to lower monthly premiums. Choose tier based on expected healthcare use (Bronze for low use, Gold for high use). |
| Income > 400% FPL | Enroll in any metal tier without subsidies | You pay the full premium. Compare plans based on network, premium, and out-of-pocket maximums. |
Frequently Asked Questions
Can I get health insurance if I'm a self-employed contractor in Highland?
Yes, self-employed contractors and restaurant owners in Highland, Utah, can access comprehensive health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making plans more affordable. Options include HMO and EPO plans.
What types of health insurance plans are available for small business owners in Utah?
In Utah, marketplace plans primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) networks. PPO plans are not available on-exchange. These plans cover essential health benefits, and you can choose from Bronze, Silver, Gold, and Platinum metal tiers based on your preferred balance of monthly premium and out-of-pocket costs.
Do I qualify for Medicaid as a low-income contractor in Utah?
Utah expanded Medicaid in 2020. If your income is up to 138% of the Federal Poverty Level (FPL), you may qualify for Utah Medicaid, providing comprehensive, low-cost health coverage. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through CHIP.
How do subsidies work for self-employed health insurance in Highland?
Premium tax credits (subsidies) are available through HealthCare.gov for individuals and families in Highland with incomes between 100% and 400% of the Federal Poverty Level. These subsidies can significantly reduce your monthly premium. Higher subsidies are available for those choosing Silver plans, which also offer cost-sharing reductions for incomes up to 250% FPL.