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

Part-Time Health Insurance Options in Clearfield, Utah

Part-time workers in Clearfield can secure health insurance through HealthCare.gov, with potential subsidies.
Utah Medicaid covers adults with incomes up to 138% of the Federal Poverty Level, and pregnant women up to 144% FPL.
In Clearfield's Rating Area 3, four carriers offer marketplace plans, exclusively HMO and EPO network types.
Clearfield's population is 33,523, with an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates.

If you work part-time in Clearfield, Utah, securing comprehensive health insurance is still well within reach. Your employment status does not prevent you from accessing quality coverage. The primary pathway for most part-time residents is through the Affordable Care Act (ACA) marketplace, HealthCare.gov, where you may qualify for significant financial assistance to lower your monthly premiums and out-of-pocket costs. Additionally, Utah's expanded Medicaid program provides a vital safety net for low-income individuals and families, including many part-time workers, covering adults with incomes up to 138% of the Federal Poverty Level. Understanding these options is the first step toward finding a plan that fits your budget and healthcare needs in Clearfield.

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Understanding Your Health Insurance Options as a Part-Time Worker in Clearfield

As a part-time employee in Clearfield, you typically won't receive employer-sponsored health benefits, making the individual health insurance marketplace a crucial resource. HealthCare.gov, the federal marketplace for Utah, offers a range of plans under the Affordable Care Act. These plans are designed to be accessible and affordable, especially for those who don't have full-time employer coverage. Key aspects of marketplace coverage for part-time workers include:

Eligibility: Your part-time status does not affect your eligibility for marketplace plans. As long as you are a U.S. citizen or legal resident and do not have access to affordable, comprehensive employer-sponsored coverage (or qualify for Medicare/Medicaid), you can apply.
Financial Assistance: Many part-time workers qualify for premium tax credits (subsidies) that significantly reduce the monthly cost of insurance. These credits are based on your household income relative to the Federal Poverty Level (FPL). Cost-sharing reductions (CSRs) are also available for those with incomes up to 250% FPL, lowering deductibles, copayments, and out-of-pocket maximums on Silver-tier plans.
Plan Types: In Utah, the marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning your choice will be between HMO and EPO network structures.

Utah Medicaid: A Key Option for Low-Income Part-Time Workers in Clearfield

For many part-time workers in Clearfield, particularly those with lower incomes, Utah Medicaid offers a comprehensive and often no-cost health insurance solution. Unlike some states, Utah expanded its Medicaid program in 2020 via a ballot initiative (Proposition 3), extending eligibility to more adults. Here’s what Clearfield residents need to know about Utah Medicaid:

Adult Eligibility: Adults with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. This is a critical difference from states that have not expanded Medicaid, ensuring that low-income individuals have a pathway to coverage without falling into a "coverage gap."
Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL. This includes comprehensive prenatal care, labor and delivery services, and postpartum care, making it an essential resource for expectant mothers.
Children (CHIP): Uninsured children in households with incomes up to 200% FPL can qualify for Utah's Children's Health Insurance Program (CHIP), ensuring access to vital pediatric care.
Application: You can apply for Utah Medicaid through the state's Medicaid portal at medicaid.utah.gov. Eligibility is determined based on income, household size, and other factors.

If your income fluctuates due to part-time hours, it's essential to report any changes to HealthCare.gov or Utah Medicaid to ensure you receive the correct level of assistance.

Health Insurance Carriers in Clearfield

When selecting a health insurance plan in Clearfield, you'll choose from carriers that serve Utah Rating Area 3. In 2026, four 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 plans across various metal tiers (Bronze, Silver, Gold). The confirmed carriers offering marketplace plans in Clearfield's Rating Area 3 for 2026 are:

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

Remember to compare plans from these carriers on HealthCare.gov based on premiums, deductibles, out-of-pocket maximums, and provider networks to find the best fit for your healthcare needs.

Navigating Plan Types and Costs in Clearfield's Marketplace

Choosing a health plan involves understanding the different types of plans and how costs are structured. In Clearfield, your on-exchange options will be HMO and EPO plans.

HMO (Health Maintenance Organization): Typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. They often have lower premiums and out-of-pocket costs but less flexibility in choosing providers.
EPO (Exclusive Provider Organization): Offer a network of doctors and hospitals you can use without a referral. You generally don't need a PCP, but you must stay within the network for coverage (except in emergencies).

Plans are also categorized by "metal tiers" (Bronze, Silver, Gold, Platinum), which indicate how costs are shared between you and your insurer:

Bronze: Lowest premiums, highest deductibles and out-of-pocket costs. Best for those who expect minimal healthcare use.
Silver: Moderate premiums and out-of-pocket costs. These plans are the only ones eligible for cost-sharing reductions (CSRs), making them particularly valuable for individuals with incomes up to 250% FPL.
Gold: Higher premiums, lower deductibles and out-of-pocket costs. Good for those who expect more frequent healthcare use.

For part-time workers who qualify for premium tax credits, a Silver plan with cost-sharing reductions can often provide the best overall value, combining affordable premiums with significantly reduced out-of-pocket expenses.

Local Healthcare Resources in Clearfield and Davis County

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 situated in Davis County. Residents here are served by facilities like Holy Cross Hospital-davis and Intermountain Health Layton Hospital in nearby Layton, and Lakeview Hospital and Western Peaks Specialty Hospital in Bountiful. These hospitals are part of the broader healthcare infrastructure in Davis County, which has a population of 370,924 and an uninsured rate of 5.7%. Clearfield falls within Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties, ensuring a consistent range of plan options across this multi-county region.

Making the Right Choice: Next Steps for Part-Time Coverage

Choosing the right health insurance plan as a part-time worker in Clearfield involves evaluating your income, health needs, and budget.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov to access comprehensive, low-cost coverage.
If your income is between 100% and 400% FPL: You will likely qualify for significant premium tax credits on HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to also benefit from cost-sharing reductions.
If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov, but you may not qualify for subsidies. Compare Bronze, Silver, and Gold plans carefully based on your expected healthcare usage.

Navigating the various plan options, understanding subsidies, and ensuring your preferred doctors are in-network can be complex. A licensed health insurance agent can provide free, personalized assistance, helping you compare plans from all available carriers and enroll in coverage that meets your specific needs in Clearfield.

Frequently Asked Questions

Can I get health insurance if I work part-time in Clearfield?

Yes, part-time employment status does not prevent you from enrolling in health insurance. You can access plans through HealthCare.gov, potentially with subsidies, or qualify for Utah Medicaid if your income is below 138% of the Federal Poverty Level.

What types of health plans are available on the marketplace in Clearfield?

In Clearfield, which is part of Utah Rating Area 3, marketplace plans primarily consist of Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types. PPO plans are not available on-exchange in Utah.

What is the income limit for Utah Medicaid in Clearfield?

Adults in Clearfield may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's 200% FPL.

Are there local hospitals in Clearfield or Davis County?

Yes, Davis County, where Clearfield is located, has several acute care hospitals. These include Holy Cross Hospital-davis and Intermountain Health Layton Hospital in Layton, and Lakeview Hospital and Western Peaks Specialty Hospital in Bountiful.