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

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

Self-employed individuals in Davis County can typically deduct 100% of their health insurance premiums from their gross income if not eligible for an employer plan.
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Davis County, primarily offering HMO and EPO plan types.
Utah Medicaid expanded in 2020, covering self-employed adults with incomes up to 138% of the Federal Poverty Level.
Davis County's 5.7% uninsured rate is below the national average, indicating strong local engagement with health coverage options.

For self-employed accounting and tax professionals in Davis County, Utah, securing reliable and affordable health insurance is a critical business and personal decision. Navigating the options available through HealthCare.gov, understanding subsidy eligibility, and leveraging tax deductions can significantly impact your financial health. This guide will help you understand the specific health insurance landscape in Davis County, detailing available plans, local carriers, and how your self-employment status affects your choices.

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What Are My Health Insurance Options as a Self-Employed Professional in Davis County?

As a self-employed individual in Davis County, your primary options for health insurance coverage typically fall into a few categories, mainly through the Affordable Care Act (ACA) marketplace, also known as HealthCare.gov.

ACA Marketplace Plans (HealthCare.gov)

The federal marketplace is designed to provide comprehensive health coverage, and it's where most self-employed individuals find their plans and, importantly, where they can access financial assistance.

Subsidies (Advance Premium Tax Credits): These tax credits can significantly lower your monthly premiums based on your estimated household income relative to the Federal Poverty Level (FPL). As a self-employed professional, accurately estimating your annual income is crucial for receiving the correct amount of assistance.
Cost-Sharing Reductions (CSRs): If your income is below 250% FPL, you may also qualify for CSRs, which reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. These are only available with Silver-tier plans.
Plan Types: In Utah's HealthCare.gov marketplace, the primary plan types available are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are generally not available on-exchange in Utah. HMOs typically require you to choose a primary care provider (PCP) and get referrals for specialists, while EPOs offer more flexibility but still require you to stay within the network.
Metal Tiers: Plans are categorized into Bronze, Silver, Gold, and Platinum tiers, reflecting the percentage of healthcare costs the plan is expected to cover versus your share.
- Bronze: Lowest premiums, highest out-of-pocket costs (deductibles, copays). Best for those who expect minimal healthcare use.
- Silver: Moderate premiums and out-of-pocket costs. The only tier eligible for Cost-Sharing Reductions, making it a strong value for those with lower incomes.
- Gold: Higher premiums, lower out-of-pocket costs. Suitable for those who anticipate more frequent healthcare needs.

Medicaid in Utah

Utah expanded Medicaid in 2020, making it an option for many self-employed individuals with lower incomes. Adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult earning below approximately $20,783 annually (based on 2024 FPL figures) could be eligible. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through Utah CHIP. You can apply directly through medicaid.utah.gov.

Off-Marketplace Plans

You can also purchase health insurance directly from carriers outside of HealthCare.gov. While these plans must still comply with ACA regulations regarding essential health benefits, they do not qualify for federal premium subsidies or cost-sharing reductions. This option is typically considered by those whose income makes them ineligible for subsidies or who prefer specific plans not offered on the exchange.

Understanding Tax Deductions for Self-Employed Health Insurance

One of the most significant advantages for self-employed accounting and tax professionals when it comes to health insurance is the ability to deduct premiums from your taxes. If you are self-employed and are not eligible to participate in an employer-sponsored health plan (either your own or your spouse's), you can generally deduct 100% of the premiums you pay for medical, dental, and qualified long-term care insurance. This is known as the self-employed health insurance deduction. This deduction is taken "above the line," meaning it's an adjustment to your gross income rather than an itemized deduction. This reduces your adjusted gross income (AGI), which can positively impact your eligibility for other tax credits or deductions. It's important to consult with a tax professional to ensure you meet all IRS requirements for this deduction, especially as it relates to your specific business structure and income.

Health Insurance Carriers in Davis County

Davis County is part of Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. In 2026, 4 carriers offer marketplace plans in Rating Area 3, providing a range of options for self-employed individuals:

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

These carriers offer various HMO and EPO plans, allowing you to compare networks, benefits, and costs to find a plan that best fits your needs and budget. The local healthcare landscape in Davis County, served by hospitals such as Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful, is well-integrated with the networks of these marketplace carriers.

Choosing the Right Plan for Your Self-Employed Practice in Davis County

Selecting the ideal health insurance plan involves balancing costs, coverage, and access to care. Here's a step-by-step approach for self-employed accounting and tax professionals in Davis County:

Estimate Your Income: As a self-employed individual, your income can fluctuate. Accurately estimating your modified adjusted gross income (MAGI) for the upcoming year is crucial for determining your eligibility for premium subsidies and cost-sharing reductions. Use your past tax returns and current business projections.
Assess Your Healthcare Needs: Consider your expected medical usage. Do you have chronic conditions, anticipate specific medical procedures, or require frequent doctor visits?
- If you expect minimal healthcare, a Bronze plan with a Health Savings Account (HSA) might be cost-effective, offering lower premiums and tax benefits.
- If you anticipate moderate to high usage, a Silver or Gold plan might provide better value through lower deductibles and copays. Remember Silver plans offer CSRs for eligible incomes.
Compare Plan Types (HMO vs. EPO): Understand the differences in network structure. Do you prefer the potentially lower costs and coordinated care of an HMO, or the greater flexibility within a network offered by an EPO? Confirm if your preferred doctors and hospitals, such as Intermountain Health Layton Hospital or Western Peaks Specialty Hospital, are in-network for the plans you are considering.
Review Local Carrier Options: Look into the specific offerings from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Compare their networks, drug formularies, and customer service ratings.
Factor in Tax Deductions: Remember that your premiums may be tax-deductible. While this doesn't reduce the immediate out-of-pocket cost, it improves the overall financial picture of your health coverage.

Davis County, with a population of 370,924 and a median income of $110,884 (per U.S. Census Bureau ACS 2024 5-year estimates), has a robust healthcare infrastructure. Its uninsured rate of 5.7% is lower than the national average, indicating that many residents actively seek and maintain health coverage. This local context underscores the importance and availability of diverse health insurance options for the self-employed.

Frequently Asked Questions

Can I deduct health insurance premiums as a self-employed individual in Davis County?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct 100% of your health insurance premiums from your gross income. This includes premiums for medical, dental, and long-term care insurance. This deduction is taken as an adjustment to income, rather than an itemized deduction, reducing your adjusted gross income (AGI).

What types of health plans are available for self-employed professionals in Davis County?

In Davis County, self-employed individuals can access plans through HealthCare.gov. The primary plan types available on-exchange are Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. Off-exchange options may also exist, but without federal subsidies.

How do I apply for health insurance subsidies as a self-employed person in Utah?

You apply for health insurance subsidies, known as Advance Premium Tax Credits (APTCs), when you enroll through HealthCare.gov. Your eligibility and the amount of your subsidy will be based on your estimated household income for the plan year, compared to the Federal Poverty Level (FPL). As a self-employed individual, accurately estimating your income is crucial for receiving the correct amount of assistance.

Is Medicaid an option for self-employed individuals with lower incomes in Utah?

Yes, Utah expanded Medicaid in 2020. Self-employed adults in Utah with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For example, a single adult with an annual income below approximately $20,783 (in 2024) could be eligible. Pregnant women can qualify up to 144% FPL, and children up to 200% FPL through Utah CHIP. You can apply through medicaid.utah.gov.

Get Your Free Quote

Navigating the complexities of health insurance as a self-employed accounting or tax professional doesn't have to be a solo endeavor. A licensed health insurance producer specializing in the Utah marketplace can provide personalized guidance, help you compare plans from carriers like BridgeSpan Health Company and Select Health, and ensure you understand your subsidy eligibility and tax deduction opportunities. Get a free, no-obligation quote today to find the best health insurance solution for your needs in Davis County.