Can I get health insurance if I'm a self-employed personal trainer in Herriman, Utah?

Yes, self-employed personal trainers in Herriman can access health insurance through HealthCare.gov. You may qualify for significant subsidies based on your income, making plans more affordable. Options include individual plans, family plans, and potentially Utah Medicaid if your income is below 138% of the Federal Poverty Level.

What are the typical costs for self-employed health insurance in Herriman?

The cost of health insurance for self-employed individuals in Herriman varies widely based on age, income, and the plan tier (Bronze, Silver, Gold). For an individual earning $40,000 annually, subsidies could reduce monthly premiums for a Silver plan to under $150. Without subsidies, a Bronze plan might start around $350-$450 per month, while a Gold plan could exceed $600.

Which health insurance carriers offer plans in Herriman, Utah?

In 2026, personal trainers in Herriman can choose from 5 carriers offering marketplace plans in Rating Area 3. These include BridgeSpan Health Company, Imperial Health Plan of Utah, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. All plans offered on HealthCare.gov in Utah are either HMO or EPO network types.

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

Health Insurance for Self-Employed Personal Trainers in Herriman, Utah

Self-employed personal trainers in Herriman can access subsidized health plans through HealthCare.gov, with 5 carriers offering options in Rating Area 3 for 2026.
Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level (FPL) may qualify for comprehensive, low-cost coverage.
For an individual making $50,000, monthly Silver plan premiums after subsidies could be around $150-$250, while a Bronze plan might be under $100.
PPO plans are NOT available on-exchange in Utah; marketplace choices are limited to HMO and EPO network structures.

As a self-employed personal trainer in Herriman, Utah, securing reliable health insurance is a critical component of your financial and personal well-being. Unlike those with employer-sponsored benefits, you are responsible for finding your own coverage, which can range from individual marketplace plans with subsidies to Utah's expanded Medicaid program. The good news is that the Affordable Care Act (ACA) marketplace on HealthCare.gov provides a structured way to find plans, often with financial assistance that significantly lowers your monthly premiums. Understanding your options, eligibility for subsidies, and the specific plan types available in Herriman's Rating Area 3 is key to making an informed decision.

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Understanding Your Health Insurance Options as a Self-Employed Trainer

For self-employed individuals like personal trainers, the primary source of health insurance is the ACA marketplace (HealthCare.gov). This platform allows you to compare plans, apply for financial assistance, and enroll in coverage that meets your needs.

ACA Marketplace Plans and Subsidies

The ACA marketplace offers plans categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect the actuarial value of the plan, or the average percentage of healthcare costs the plan is expected to cover:

Bronze Plans: Cover approximately 60% of costs, with you paying 40%. They have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. Good for those who expect minimal healthcare use.
Silver Plans: Cover approximately 70% of costs. These are a popular choice because if your income qualifies, you may be eligible for Cost-Sharing Reductions (CSRs) in addition to premium subsidies. CSRs lower your deductibles, copayments, and out-of-pocket maximums, making Silver plans a much better value.
Gold Plans: Cover approximately 80% of costs. They have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket costs, suitable for those who anticipate more frequent medical care.

Crucially, self-employed individuals in Herriman with household incomes between 100% and 400% of the Federal Poverty Level (FPL) may qualify for significant premium tax credits (subsidies) that reduce your monthly payments. For example, a single personal trainer in Herriman earning $50,000 annually (approximately 300% FPL) would likely receive substantial subsidies, bringing a Silver plan's monthly premium down considerably.

Utah Medicaid for Lower Incomes

Unlike some states, Utah expanded its Medicaid program in 2020. This is a crucial detail for self-employed individuals with lower incomes. If your modified adjusted gross income (MAGI) is at or below 138% of the FPL, you may qualify for Utah Medicaid. This program provides comprehensive health coverage with little to no out-of-pocket costs. For a single individual in 2026, 138% FPL is approximately $20,780. Pregnant women in Utah may qualify for Medicaid with incomes up to 144% FPL, and children through CHIP up to 200% FPL. You can apply for Utah Medicaid through medicaid.utah.gov.

Choosing the Right Plan: HMO vs. EPO in Herriman

In Utah's marketplace, including Herriman, your plan choices are limited to Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types. PPO (Preferred Provider Organization) plans are NOT available on-exchange in Utah. Understanding the difference is important:

HMO Plans: Typically require you to choose a primary care provider (PCP) within the plan's network. Your PCP then refers you to specialists. HMOs generally have lower premiums and out-of-pocket costs but offer less flexibility in choosing providers outside the network.
EPO Plans: Do not require a PCP referral for specialist visits, but you must stay within the plan's network for care to be covered. EPOs offer more flexibility than HMOs but less than PPOs (which are not available on-exchange here).

Consider your preference for provider choice and whether you're comfortable with referrals when selecting between an HMO and EPO.

Estimated Monthly Premiums for a Self-Employed 35-Year-Old in Herriman (2026)
Income Level	Bronze Plan (After Subsidies)	Silver Plan (After Subsidies)	Gold Plan (After Subsidies)
$25,000 (150% FPL)	$0 - $20	$30 - $70	$100 - $150
$40,000 (240% FPL)	$50 - $100	$100 - $150	$200 - $280
$60,000 (360% FPL)	$150 - $220	$220 - $300	$350 - $450
$80,000 (480% FPL)	$300 - $400 (No subsidies)	$400 - $550 (No subsidies)	$550 - $700 (No subsidies)
Estimates are for a single 35-year-old and will vary by exact income, age, and chosen plan. Subsidies phase out above 400% FPL.

Health Insurance Carriers in Herriman

Herriman, located in Salt Lake County, is part of Utah's Rating Area 3, which also covers Davis, Summit, Tooele, and Wasatch counties. In 2026, 5 carriers offer marketplace plans in this rating area:

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

These carriers provide a range of HMO and EPO plans across the Bronze, Silver, and Gold tiers. When comparing plans, consider not only the premium but also the deductible, copayments for common services like doctor visits, and whether your preferred healthcare providers are in-network. For example, Select Health is a prominent local carrier often affiliated with Intermountain Health, a major hospital system in Utah. Herriman, Utah, with a population of 59,346 and a median income of $122,650 per U.S. Census Bureau ACS 2024 5-year estimates, is a growing community within Salt Lake County. Residents needing acute care have access to a robust network of hospitals in Salt Lake County, including Holy Cross Hospital - Salt Lake, Intermountain Medical Center, and University of Utah Hospital and Clinics. The uninsured rate in Herriman is notably low at 2.8%, reflecting broad access to coverage options.

Next Steps: Getting Your Health Insurance Plan

As a self-employed personal trainer, navigating the health insurance landscape in Herriman requires a clear understanding of your income, health needs, and available subsidies. Here’s a summary of the decision path:

If your income is below 138% FPL (approx. $20,780 for a single person): You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov.
If your income is between 100% and 400% FPL: You are eligible for significant premium tax credits (subsidies) on HealthCare.gov. Focus on Silver plans, as you may also qualify for Cost-Sharing Reductions.
If your income is above 400% FPL: While you won't qualify for premium subsidies, you can still purchase a plan on HealthCare.gov or directly from a carrier. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage and budget.

A licensed health insurance producer can provide personalized guidance, help you estimate subsidies, and compare plans from the 5 local carriers to ensure you get the best coverage for your unique situation, all at no cost to you.

Frequently Asked Questions

Can I deduct health insurance premiums as a self-employed personal trainer?

Yes, if you are self-employed and not eligible to participate in an employer-sponsored health plan, you can generally deduct the premiums you pay for health insurance for yourself, your spouse, and your dependents. This deduction is taken directly on your tax return and can significantly reduce your taxable income. Consult with a tax professional for specific advice.

What if I need to see a specialist for a sports injury?

Your ability to see a specialist depends on your plan type. With an HMO plan in Herriman, you will typically need a referral from your primary care provider (PCP) to see a specialist. With an EPO plan, you can usually see a specialist directly, provided they are within the plan's network, without a referral. Always verify a specialist's network status before scheduling an appointment.

What are the enrollment periods for self-employed health insurance?

The primary time to enroll in or change an ACA health plan is during the annual Open Enrollment Period (OEP), which typically runs from November 1st to January 15th each year for coverage starting the following year. However, if you experience certain life events, such as getting married, having a baby, or losing other coverage, you may qualify for a Special Enrollment Period (SEP) outside of OEP.