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

Health Insurance for Self-Employed Accounting & Tax Professionals in Centerville, Utah

Self-employed individuals in Centerville can find subsidized health insurance plans (HMO and EPO) on HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults with income up to 138% of the Federal Poverty Level (FPL).
In 2026, 4 carriers offer marketplace plans in Centerville's Rating Area 3: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Self-employed individuals can often deduct 100% of their health insurance premiums, reducing their taxable income.

For self-employed accounting and tax professionals in Centerville, Utah, securing affordable health insurance is a critical financial decision. The good news is that Utah's expanded Medicaid program and the federal marketplace, HealthCare.gov, provide robust options. You can compare plans, apply for income-based subsidies, and potentially qualify for comprehensive, low-cost coverage, ensuring you and your family are protected. Understanding your eligibility for subsidies or Medicaid is the first step, as these programs can significantly reduce your out-of-pocket costs.

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What Are Your Health Insurance Options in Centerville?

Self-employed individuals in Centerville have two primary avenues for health insurance: the Affordable Care Act (ACA) marketplace (HealthCare.gov) and Utah Medicaid. Your eligibility and the cost of coverage will largely depend on your household income and family size. The ACA marketplace offers plans from private insurers, with subsidies available to make premiums more affordable. Utah Medicaid, expanded in 2020, provides free or very low-cost health coverage for eligible individuals.

ACA Marketplace Plans and Subsidies

The ACA marketplace on HealthCare.gov is where most self-employed individuals find subsidized health insurance. Plans are categorized into metal tiers: Bronze, Silver, Gold, and Platinum, reflecting the percentage of costs the plan covers versus what you pay out-of-pocket.

Premium Tax Credits: These subsidies reduce your monthly premium. They are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL), though higher income households may also qualify based on the cost of benchmark plans.
Cost-Sharing Reductions (CSRs): Available only with Silver plans, CSRs reduce your deductibles, copayments, and out-of-pocket maximums. To qualify, your income must be between 100% and 250% FPL. This makes Silver plans particularly attractive for those who qualify, as they offer better benefits than a standard Silver plan for the same premium.

In Utah, the marketplace choice for self-employed shoppers in Centerville is between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures. PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning any PPO option would be off-marketplace and ineligible for subsidies.

Utah Medicaid and CHIP

Utah expanded Medicaid in 2020, making it available to more low-income adults. This is a critical difference from states that have not expanded Medicaid.

Adults: If your household income is up to 138% of the Federal Poverty Level, you may qualify for Utah Medicaid. This provides comprehensive coverage with little to no cost.
Pregnant Women: Utah Medicaid covers pregnant women with income up to 144% FPL, including prenatal care, labor and delivery, and postpartum care. You can apply directly through Utah's Medicaid portal (medicaid.utah.gov).
Children (CHIP): Uninsured children in households with income up to 200% FPL may qualify for Utah's Children's Health Insurance Program (CHIP).

Health Insurance Carriers in Centerville

Centerville, located in Davis County, is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3, providing options for self-employed professionals:

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

When choosing a plan, consider each carrier's network of doctors and hospitals, specific plan benefits, and customer service. For instance, Davis County is home to several acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. Ensure your preferred providers are in-network with the plan you select.

Understanding Your Eligibility and Costs

The costs of health insurance for self-employed individuals can vary significantly based on income, age, and the plan tier chosen. Centerville, Utah, with a population of 16,679 and a median income of $123,130 (per U.S. Census Bureau ACS 2024 5-year estimates), offers various options tailored to different financial situations.

Household Income (as % FPL)	Approximate Income (Single Individual, 2026 FPL)	Coverage Option	Key Benefit
Below 138% FPL	Up to ~$20,783	Utah Medicaid	Free or very low-cost comprehensive coverage.
138% - 250% FPL	~$20,783 - ~$37,650	ACA Marketplace (Silver Plan with CSRs)	Significant premium subsidies and reduced deductibles/copays.
250% - 400% FPL	~$37,650 - ~$60,240	ACA Marketplace (Any Metal Tier)	Significant premium subsidies available.
Above 400% FPL	Above ~$60,240	ACA Marketplace (Any Metal Tier)	Premium tax credits may still apply if benchmark plan is above 8.5% of income.

Note: FPL figures are estimates for 2026 and should be confirmed annually with HealthCare.gov.

Self-Employed Health Insurance Deduction

One of the key advantages for self-employed accounting and tax professionals is the ability to deduct health insurance premiums. If you are self-employed and not eligible to participate in an employer-sponsored health plan, you can deduct 100% of the health insurance premiums you pay for yourself, your spouse, and your dependents. This deduction is taken as an adjustment to income, which means it reduces your adjusted gross income (AGI) and, consequently, your taxable income. This can make marketplace plans significantly more affordable after tax considerations.

Making Your Decision in Centerville

Choosing the right health insurance plan requires evaluating your income, health needs, and budget. For self-employed individuals in Centerville, the process involves understanding your eligibility for financial assistance and selecting a plan that fits your professional and personal life.

Centerville, a city in Davis County, has a relatively low uninsured rate of 4.5% compared to the county's 5.7% (per U.S. Census Bureau ACS 2024 5-year estimates), reflecting strong access to coverage options. The county's 370,924 residents are served by facilities like Intermountain Health Layton Hospital and Western Peaks Specialty Hospital. When comparing plans, consider the network of the four confirmed carriers in Rating Area 3 and how they align with your preferred local providers and specialists.

Consider these steps:

Estimate Your Income: Accurately project your net self-employment income for the upcoming year. This is crucial for determining your subsidy eligibility.
Check Medicaid Eligibility: If your income is below 138% FPL, apply for Utah Medicaid directly.
Compare Marketplace Plans: Visit HealthCare.gov to compare HMO and EPO plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Pay close attention to deductibles, copays, and out-of-pocket maximums.
Consider a Silver Plan with CSRs: If your income is between 100% and 250% FPL, a Silver plan with Cost-Sharing Reductions will offer the best value.
Factor in the Tax Deduction: Remember the self-employed health insurance deduction when calculating your true cost of coverage.

Frequently Asked Questions

What are the health insurance options for self-employed individuals in Centerville, Utah?

Self-employed accounting and tax professionals in Centerville can access health insurance through HealthCare.gov, Utah's federal marketplace. Options include HMO and EPO plans, with potential subsidies based on income. Utah also offers expanded Medicaid for adults with income up to 138% of the Federal Poverty Level.

Can I deduct health insurance premiums if I'm self-employed in Centerville?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct 100% of the health insurance premiums you pay for yourself, your spouse, and your dependents. This deduction is taken as an adjustment to income on your federal tax return, reducing your adjusted gross income (AGI).

Are PPO plans available on the marketplace in Centerville, Utah?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Self-employed individuals in Centerville will choose between HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans for their marketplace coverage. Off-marketplace PPO options may exist but would not be eligible for subsidies.

What income level qualifies for Utah Medicaid in 2026?

In 2026, adults in Utah with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single individual with an annual income below approximately $20,783 in 2026 (based on current FPL guidelines) would be eligible. Pregnant women have a slightly higher threshold, qualifying up to 144% FPL.