Health Insurance for Self-Employed Plumbers in Centerville, Utah

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

Self-employed plumbers in Centerville with income between 100% and 400% FPL may qualify for Premium Tax Credits on HealthCare.gov.
Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, with PPO plans not available on-exchange.
Adults with income up to 138% FPL qualify for expanded Utah Medicaid, providing comprehensive, low-cost coverage.
Centerville is part of Utah Rating Area 3, served by 4 confirmed carriers for the 2026 plan year.

As a self-employed plumber in Centerville, Utah, securing reliable health insurance is crucial for protecting your health and finances. The good news is that you have several strong options for comprehensive coverage, many of which come with significant financial assistance. The Affordable Care Act (ACA) marketplace, HealthCare.gov, is the primary avenue for most self-employed individuals to find plans and subsidies in Utah. Depending on your household income, you may qualify for tax credits that dramatically reduce your monthly premiums, or even for Utah's expanded Medicaid program. Understanding your income, local plan options, and eligibility for financial aid are key steps to finding the right health insurance plan for your needs and budget.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

What Health Insurance Options Are Available for Self-Employed Plumbers in Centerville?

For self-employed plumbers in Centerville, the main pathways to health insurance are through the ACA marketplace on HealthCare.gov, Utah Medicaid, or private off-exchange plans. The best option for you will largely depend on your household income and healthcare needs.

ACA Marketplace Plans (HealthCare.gov)

The ACA marketplace is designed to make health insurance more accessible and affordable, especially for those who don't get coverage through an employer. If you're self-employed, you'll report your net business income to determine your eligibility for financial assistance. Plan Types in Utah: In Utah, the marketplace primarily offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, meaning your choice will be between these two network structures.

HMO Plans: These plans typically require you to choose a primary care provider (PCP) within the network who then refers you to specialists. They often have lower premiums but less flexibility outside the network.
EPO Plans: EPOs offer a bit more flexibility than HMOs, allowing you to see specialists without a referral, but you must still stay within the plan's network for covered services.

Financial Assistance:

Premium Tax Credits (Subsidies): If your household income is between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for Premium Tax Credits that lower your monthly premiums. These credits are paid directly to your insurer, reducing your out-of-pocket costs.
Cost-Sharing Reductions (CSRs): If your income is between 100% and 250% FPL, you may also qualify for Cost-Sharing Reductions, which lower your deductibles, copayments, and out-of-pocket maximums. CSRs are only available with Silver-tier plans.

Utah Medicaid

Utah expanded Medicaid in 2020, making it available to more low-income adults. If your household income is at or below 138% of the Federal Poverty Level, you may qualify for comprehensive Utah Medicaid coverage. This program offers extensive benefits at little to no cost, including doctor visits, hospital care, prescription drugs, and mental health services. For self-employed individuals, your net business income is used to determine eligibility. Pregnant women qualify for Utah Medicaid up to 144% FPL, and children through CHIP up to 200% FPL. You can apply for Utah Medicaid through medicaid.utah.gov.

Off-Exchange Plans

You can also purchase health insurance directly from an insurance carrier outside of HealthCare.gov. However, if you buy an off-exchange plan, you will not be eligible for Premium Tax Credits or Cost-Sharing Reductions, regardless of your income. For most self-employed individuals who qualify for subsidies, marketplace plans offer a better value.

Understanding Your Income and Subsidy Eligibility in Centerville

Your income is the most critical factor in determining what health insurance options are most affordable for you. For self-employed individuals, your Modified Adjusted Gross Income (MAGI) is calculated using your net business income (gross income minus eligible business deductions). Here's a general guide to income thresholds for a single individual in 2026 (these figures are approximate and subject to change with FPL updates):

Income Level (as % FPL)	Estimated Annual Income (Individual)	Primary Health Insurance Option
Below 138% FPL	Up to ~$20,780	Utah Medicaid
100% - 250% FPL	~$15,060 - ~$37,650	ACA Marketplace (Silver plans with CSRs, Premium Tax Credits)
250% - 400% FPL	~$37,650 - ~$60,240	ACA Marketplace (Premium Tax Credits for any metal tier)
Above 400% FPL	Above ~$60,240	ACA Marketplace (Full price, no subsidies) or Off-Exchange plans

Note: These FPL figures are illustrative for 2026 and should be confirmed using the most current FPL guidelines. It's important to accurately estimate your net income for the year you need coverage. If your income changes during the year, you should update your information on HealthCare.gov to adjust your subsidies and avoid issues at tax time.

Health Insurance Carriers in Centerville

Centerville is located in Davis County, which is part of Utah Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. For the 2026 plan year, 4 carriers offer marketplace plans in Rating Area 3, providing a good selection of options for self-employed plumbers. These carriers include:

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

When choosing a plan, consider factors like the network of doctors and hospitals (including local facilities like Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, both within Davis County), the types of plans offered (HMO or EPO), and the specific benefits and costs associated with each plan. 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), benefits from its location in Davis County. Davis County, home to 370,924 residents and a 5.7% uninsured rate, offers access to several acute care hospitals, including Intermountain Health Layton Hospital. The availability of multiple carriers in Rating Area 3 ensures competitive options for residents seeking health coverage.

Choosing the Best Plan for Your Plumbing Business

As a self-employed plumber, your business structure and personal health needs will influence your best choice. Consider these factors:

Budget: How much can you realistically afford in monthly premiums, deductibles, and out-of-pocket costs? If you qualify for subsidies, they can significantly impact your budget.
Healthcare Usage: Do you anticipate frequent doctor visits, prescription medications, or potential specialist care? A plan with lower deductibles and copays might be better even if premiums are higher.
Network: Do you have preferred doctors, specialists, or hospitals? Ensure they are in-network with the plan you choose. Remember, Utah's marketplace offers HMO and EPO plans, which have specific network rules. Davis County has 4 hospitals, including Holy Cross Hospital-davis and Lakeview Hospital.
Tax Deductions: As a self-employed individual, you may be able to deduct health insurance premiums from your federal income taxes. Consult with a tax professional to understand how this applies to your specific situation.

Next Steps to Secure Your Health Insurance

Navigating health insurance as a self-employed individual can seem daunting, but it doesn't have to be. Here's how to proceed:

Estimate Your Income: Calculate your projected net business income for the upcoming year. This is crucial for determining subsidy eligibility.
Visit HealthCare.gov: During Open Enrollment (typically November 1 - January 15 for coverage starting January 1), or if you have a Qualifying Life Event, visit HealthCare.gov to compare plans and enroll.
Explore Utah Medicaid: If your income is below 138% FPL, apply for Utah Medicaid through medicaid.utah.gov.
Consider a Licensed Agent: A licensed health insurance producer can help you compare plans, understand subsidies, and enroll in coverage that meets your specific needs, all at no cost to you. They can clarify the differences between HMO and EPO plans and help you find one with your preferred providers.

Frequently Asked Questions

Can self-employed plumbers in Centerville get health insurance subsidies?

Yes, if your household income falls between 100% and 400% of the Federal Poverty Level (FPL), you may qualify for subsidies (Premium Tax Credits) to lower your monthly premium costs on HealthCare.gov. Many self-employed individuals qualify based on their net business income.

What types of health plans are available on the marketplace in Centerville, Utah?

In Centerville, Utah, plans available on HealthCare.gov are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah, so your choice will be between HMO and EPO network structures.

Is Utah Medicaid available for self-employed individuals?

Yes, Utah expanded Medicaid in 2020. Self-employed adults in Centerville with household incomes up to 138% of the Federal Poverty Level may qualify for comprehensive Utah Medicaid coverage. You can apply through the Utah Medicaid portal at medicaid.utah.gov.

How do I choose between an HMO and an EPO plan?

HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals for specialists. EPO plans offer more flexibility to see specialists without a referral, but still require you to stay within the plan's network for covered services. Consider your preferred doctors and referral needs when choosing.