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

Health Insurance for Trucking Contractors in Clearfield, Utah

In 2026, four carriers offer HealthCare.gov plans in Clearfield's Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL) and pregnant women up to 144% FPL.
Contractors can often deduct 100% of their health insurance premiums from their taxes, reducing taxable income.
PPO plans are not available on HealthCare.gov in Utah; marketplace shoppers in Clearfield will choose between HMO and EPO plans.

As a trucking contractor in Clearfield, Utah, securing reliable health insurance is crucial, especially since you're likely responsible for your own coverage. The good news is that Utah's expanded Medicaid program and the federal Health Insurance Marketplace (HealthCare.gov) offer several pathways to affordable and comprehensive health plans. You'll find a range of options that can be subsidized based on your income, helping you manage costs while on the road or at home in Clearfield. Understanding the specific plan types available and how your income impacts eligibility for financial assistance is key to making an informed decision.

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What Health Insurance Options Are Available to Trucking Contractors in Clearfield?

For trucking contractors in Clearfield, the primary avenues for health insurance are through the Health Insurance Marketplace (HealthCare.gov) or Utah Medicaid. Since Utah expanded Medicaid in 2020, adults with household incomes up to 138% of the Federal Poverty Level (FPL) are eligible for comprehensive, low-cost coverage. For those above this threshold, HealthCare.gov offers individual and family plans, many of which come with significant premium tax credits and cost-sharing reductions. These subsidies can substantially lower your monthly premiums and out-of-pocket expenses, making marketplace plans a viable option even without employer contributions. Utah's marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. Unlike some other states, PPO plans are not available on-exchange via HealthCare.gov in Utah. This means your choice will focus on network structure and how you access care within these models. HMOs typically require you to choose a primary care provider (PCP) 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 Costs and Subsidies for Contractors in Utah

The cost of health insurance for trucking contractors on HealthCare.gov in Clearfield depends heavily on your household income and family size. Premium tax credits are available to individuals and families with incomes between 100% and 400% FPL, reducing your monthly premium. Additionally, if your income falls between 100% and 250% FPL, you may qualify for cost-sharing reductions (CSRs), which lower your deductibles, copayments, and out-of-pocket maximums. This makes "Silver" tier plans particularly valuable for those who qualify, as they offer enhanced benefits for the same premium as standard Silver plans. As a self-employed individual, you may also be eligible to deduct 100% of your health insurance premiums from your federal income taxes. This "above-the-line" deduction reduces your adjusted gross income (AGI), which can lower your overall tax liability. This tax benefit applies if you are self-employed and not eligible to participate in an employer-sponsored health plan (including your spouse's plan, if applicable). Always consult with a qualified tax professional to understand how this deduction applies to your specific financial situation.

Utah Medicaid and CHIP for Clearfield Residents

Clearfield residents, including trucking contractors, may qualify for Utah Medicaid if their income is within specific thresholds. Utah expanded Medicaid in 2020, providing coverage for adults up to 138% FPL. For a single individual, this threshold is approximately $20,780 per year (based on 2024 FPLs, which are used for 2025 coverage). Specific income thresholds for other groups include:

Pregnant Women: Up to 144% FPL, covering prenatal care, labor and delivery, and postpartum services.
Children (CHIP): Up to 200% FPL for uninsured children.

Applying for Utah Medicaid can be done through the state's Medicaid portal at medicaid.utah.gov. This program offers comprehensive benefits at no or very low cost, making it a critical safety net for many families. Clearfield, with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Davis County, which has a lower uninsured rate of 5.7%. The availability of expanded Medicaid and marketplace subsidies is vital for ensuring access to care for all residents, including independent contractors who often face higher barriers to coverage. Davis County's 4 acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful, provide essential medical services to the region.

Health Insurance Carriers in Clearfield

In 2026, 4 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 health plans for Clearfield residents:

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

When choosing a plan, it's important to consider not only the premium but also the network of doctors and hospitals. Verify that your preferred providers, especially those you may need while on the road or in an emergency, are included in the plan's network. All plans offered on HealthCare.gov cover essential health benefits, including doctor visits, prescription drugs, hospitalization, and mental health services.

Making Your Health Insurance Decision

Choosing the right health insurance plan as a trucking contractor in Clearfield involves evaluating your income, health needs, and budget.

Your Situation	Recommended Action	Key Benefit
Household income up to 138% FPL (adults) or 144% FPL (pregnant women)	Apply for Utah Medicaid through medicaid.utah.gov	Comprehensive coverage with no or very low cost
Household income 100% to 250% FPL	Explore Silver plans on HealthCare.gov with premium tax credits and Cost-Sharing Reductions (CSRs)	Lower premiums AND reduced deductibles, copays, and out-of-pocket maximums
Household income 250% to 400% FPL	Consider Bronze, Silver, or Gold plans on HealthCare.gov with premium tax credits	Significant premium subsidies, choice of plans based on desired cost-sharing
Household income above 400% FPL	Compare unsubsidized plans on HealthCare.gov or directly from carriers	Access to ACA-compliant plans; potential for self-employed premium deduction

Navigating these options can be complex, but you don't have to do it alone. A licensed health insurance producer can help you compare plans, understand your subsidy eligibility, and enroll in a plan that best fits your needs and budget, all at no cost to you.

Frequently Asked Questions

Can I get a tax deduction for health insurance premiums as a trucking contractor?

Yes, if you are a self-employed individual or an independent contractor, you may be able to deduct 100% of your health insurance premiums. This deduction is taken "above the line," meaning it reduces your adjusted gross income (AGI) and can be claimed even if you don't itemize. Consult a tax professional for specific advice.

What are the income limits for Utah Medicaid in Clearfield?

Utah expanded Medicaid in 2020. Adults with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL. You can apply through Utah's Medicaid portal at medicaid.utah.gov.

Are PPO plans available on HealthCare.gov in Clearfield, Utah?

No, PPO plans are not available on the federal HealthCare.gov marketplace in Utah, including Clearfield. Marketplace shoppers in Rating Area 3, which covers Davis County, will find a choice of HMO and EPO network plans for the 2026 plan year.

How does being a contractor affect my health insurance options?

As a contractor, you typically don't receive employer-sponsored health benefits, making you responsible for securing your own coverage. This often means looking to the Health Insurance Marketplace (HealthCare.gov) for individual plans, where you may qualify for subsidies based on your income. You might also consider short-term plans or health sharing ministries, though these do not offer the same consumer protections as ACA plans.