Health Insurance for Retail Contractors in Clearfield, Utah

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

Retail contractors in Clearfield can access subsidized health plans through HealthCare.gov, Utah's federal marketplace.
Utah expanded Medicaid in 2020, making adults with incomes up to 138% FPL eligible for comprehensive, low-cost coverage.
In 2026, four carriers offer marketplace plans in Clearfield's Rating Area 3, including BridgeSpan Health Company and Select Health.
PPO plans are NOT available on-exchange in Utah; marketplace choices are limited to HMO and EPO network types.

Navigating health insurance as a retail contractor in Clearfield, Utah, requires understanding your options through the federal marketplace, HealthCare.gov. Unlike traditional employees, self-employed individuals are responsible for securing their own coverage. The Affordable Care Act (ACA) marketplace provides access to health plans, often with financial assistance in the form of premium tax credits, which can significantly reduce your monthly premiums. Clearfield residents, like all Utahns, will find that marketplace plans consist of HMO and EPO network types, as PPO plans are not offered on-exchange in the state. Additionally, Utah expanded Medicaid in 2020, offering a crucial safety net for contractors with lower incomes.

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What Health Insurance Options Are Available for Clearfield Retail Contractors?

For retail contractors in Clearfield, the primary avenue for individual and family health insurance is HealthCare.gov. This federal marketplace allows you to compare plans, apply for subsidies, and enroll in coverage that meets ACA standards. These plans cover essential health benefits, including doctor visits, prescription drugs, hospitalization, and mental health services. Key options include:

Marketplace Plans (ACA): These plans are offered by private insurance companies but are sold through HealthCare.gov. Depending on your household income, you may qualify for premium tax credits (subsidies) that lower your monthly premium, and cost-sharing reductions (CSRs) that reduce your out-ofpocket expenses like deductibles and copays.
Utah Medicaid: If your income falls within specific guidelines, you may qualify for Utah Medicaid. Utah expanded Medicaid in 2020, making adults with incomes up to 138% of the Federal Poverty Level (FPL) eligible for comprehensive health coverage at little to no cost.
Children's Health Insurance Program (CHIP): For families with children, CHIP provides low-cost health coverage for uninsured children in households with incomes up to 200% FPL.

It is important to note that in Utah, PPO plans are not available on the HealthCare.gov marketplace. Retail contractors seeking coverage through the exchange will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans.

Understanding Income and Eligibility for Subsidies and Medicaid in Utah

As a retail contractor, your income can fluctuate, making it vital to understand how it impacts your eligibility for financial assistance. The Federal Poverty Level (FPL) is a key benchmark for determining eligibility for both marketplace subsidies and Utah Medicaid.

Income Level (as % FPL)	Health Insurance Option for Clearfield Retail Contractors
Up to 138% FPL	Utah Medicaid: Comprehensive, low-cost coverage. For a single individual, this is approximately $20,120 annually in 2024. Eligibility thresholds are higher for pregnant women (144% FPL) and children (200% FPL).
138% - 400% FPL	Marketplace Plans with Premium Tax Credits: Significant subsidies available to reduce monthly premiums. Cost-sharing reductions may also be available for those choosing Silver plans, especially between 138% and 250% FPL.
Above 400% FPL	Marketplace Plans (Full Price): While you pay the full premium, you still benefit from the consumer protections and essential health benefits mandated by the ACA. You may also explore off-marketplace plans, though subsidies are not available for these.

For example, a single retail contractor in Clearfield earning an annual income of $30,000 (roughly 206% FPL based on 2024 figures) would likely qualify for substantial premium tax credits on a HealthCare.gov plan. If their income dropped to $18,000 (roughly 124% FPL), they would likely qualify for Utah Medicaid.

Health Insurance Carriers in Clearfield

Clearfield, located in Davis County, is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, four carriers offer marketplace plans in Rating Area 3, providing a selection of HMO and EPO options for retail contractors. The confirmed carriers for Clearfield's Rating Area 3 are:

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

When selecting a plan, consider factors such as network size, specific doctors and hospitals included, prescription drug coverage, and out-of-pocket costs. For instance, Davis County is home to Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Confirming that your preferred providers and hospitals are in-network with your chosen carrier is essential.

Making Your Health Plan Decision in Clearfield

Choosing the right health insurance plan as a retail contractor in Clearfield involves evaluating your income, health needs, and budget. The city of Clearfield, with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, offers various options for its residents. Davis County, where Clearfield is located, serves a population of 370,924 with a median income of $110,884 and an uninsured rate of 5.7%. These demographics highlight the diverse needs within Rating Area 3. Here's a decision-making framework:

If your income is below 138% FPL: Apply for Utah Medicaid immediately through medicaid.utah.gov. This is your most comprehensive and affordable option.
If your income is between 138% and 250% FPL: Focus on Silver plans on HealthCare.gov. These plans offer the best value because you qualify for both premium tax credits and significant cost-sharing reductions, lowering your deductibles, copays, and out-of-pocket maximums.
If your income is above 250% FPL: Explore Bronze, Silver, Gold, and Platinum plans. Bronze plans have lower premiums but higher out-of-pocket costs, suitable if you anticipate minimal medical care. Gold and Platinum plans have higher premiums but lower out-of-pocket costs, ideal if you expect frequent medical needs.
Consider your network preference: Remember that PPO plans are not available on-exchange in Utah. If you value a broader network without referrals, an EPO might be a good fit. If you prefer a primary care physician (PCP) to coordinate your care and are comfortable with referrals, an HMO could be suitable.

A licensed health insurance producer can help you compare plans, verify your eligibility for financial assistance, and ensure you enroll in a plan that meets your specific needs without any additional cost to you.

Frequently Asked Questions

What health insurance options are available for retail contractors in Clearfield, Utah?

Retail contractors in Clearfield can find health insurance through HealthCare.gov, Utah's federal marketplace. Options include subsidized HMO and EPO plans. Individuals with income up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, while those with higher incomes may receive premium tax credits to lower monthly costs.

Can I get a PPO plan on the HealthCare.gov marketplace in Clearfield?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Marketplace shoppers in Clearfield will choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures for their health insurance coverage.

What income level qualifies a retail contractor for Utah Medicaid?

Adults in Utah, including retail contractors, with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive, low-cost health coverage. For pregnant women, the threshold is 144% FPL, and for children, CHIP covers up to 200% FPL.

How many health insurance carriers offer plans in Clearfield's rating area?

In 2026, four health insurance carriers offer marketplace plans in Rating Area 3, which includes Clearfield. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.