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

Small Business Health Insurance for Construction Companies in Centerville, UT

Centerville's small businesses can choose from 4 marketplace carriers in 2026, offering HMO and EPO plans in Rating Area 3.
Eligible small businesses may qualify for a tax credit covering up to 50% of premium costs when purchasing through the SHOP Marketplace.
Utah expanded Medicaid in 2020, providing coverage for adults up to 138% of the Federal Poverty Level (FPL).
The average median household income in Centerville is $123,130, with an uninsured rate of 4.5%, per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options for your construction small business in Centerville, Utah, involves understanding both federal programs like the Affordable Care Act (ACA) and specific state-level factors. For businesses with 1 to 50 employees, the Small Business Health Options Program (SHOP) Marketplace on HealthCare.gov offers a streamlined way to compare and purchase group health plans. In Centerville, which is part of Utah's Rating Area 3, you'll find a selection of plans from multiple carriers, primarily offering Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network types. Understanding these options, along with potential tax credits, is key to providing valuable benefits to your team while managing costs effectively.

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 Are Small Business Health Insurance Options in Centerville?

For construction companies in Centerville, securing comprehensive health insurance for your employees is crucial for attracting and retaining talent, especially given the physical demands of the industry. Small businesses, typically defined as those with 1 to 50 full-time equivalent employees, have several avenues for obtaining coverage:

SHOP Marketplace (HealthCare.gov): This federal marketplace allows small employers to offer health and dental coverage to their employees. Eligibility for a Small Business Health Care Tax Credit (covering up to 50% of premium costs) is a major incentive for many businesses using SHOP.
Direct from Carriers: Many insurance companies offer small group plans directly to businesses outside the SHOP Marketplace. While these plans may offer more flexibility, they generally do not qualify for the small business tax credit.
Professional Employer Organizations (PEOs): PEOs allow small businesses to "co-employ" their staff, gaining access to larger group health plans and administrative services that might otherwise be unavailable or too costly.
Individual Marketplace Plans: For very small businesses, or if a group plan isn't feasible, employees may purchase individual plans through HealthCare.gov. Depending on their income, they might qualify for premium tax credits and cost-sharing reductions.

Centerville, a city in Davis County with a population of 16,679 and a median household income of $123,130, is part of Utah's Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. The uninsured rate in Centerville stands at 4.5%, slightly lower than Davis County's 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This local context underscores the importance of accessible and affordable health insurance options for local businesses and residents.

Health Insurance Carriers in Centerville

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. These carriers provide a range of plans, primarily focusing on Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures, as PPO plans are not available on-exchange in Utah. The confirmed local carriers for Centerville's Rating Area 3 include:

BridgeSpan Health Company: Offers a variety of plans designed to meet different needs and budgets.
Regence BlueCross BlueShield of Utah: A well-established insurer with a broad network of providers in the region.
Select Health: A local Utah-based health plan known for its integrated health system approach.
University of Utah Health Plans: Provides plans that offer access to the University of Utah Health system and its affiliated providers.

When choosing a plan for your construction business, consider not only the premium costs but also the network of doctors and hospitals, deductibles, out-of-pocket maximums, and prescription drug coverage. For Centerville residents, major healthcare facilities in Davis County include Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Ensure your chosen plan offers access to preferred providers and facilities.

Understanding Plan Types: HMO vs. EPO in Utah

As PPO plans are not available on the HealthCare.gov marketplace in Utah, small businesses in Centerville will choose between HMO and EPO plans. It is important to understand the differences:

Plan Type	Description	Referral Required for Specialists	Out-of-Network Coverage
HMO (Health Maintenance Organization)	Typically offers lower premiums and out-of-pocket costs. Requires you to choose a Primary Care Provider (PCP) within the network.	Yes, typically from your PCP.	Generally no, except for emergencies.
EPO (Exclusive Provider Organization)	Offers a bit more flexibility than an HMO, as you usually don't need a PCP referral to see a specialist within the network.	No, usually not for in-network specialists.	Generally no, except for emergencies.

Both HMO and EPO plans emphasize in-network care. For a construction business, ensuring that key local hospitals and specialists frequently accessed by your employees are within the plan's network is a critical consideration.

Utah Medicaid and CHIP for Employees

Utah expanded Medicaid in 2020, meaning that adults with incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a crucial safety net for individuals and families who may not have access to employer-sponsored coverage or whose income makes marketplace plans unaffordable, even with subsidies. For a single adult, 138% FPL is approximately $20,782 per year in 2023. Additionally, Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal, delivery, and postpartum care. The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, ensuring that children in Centerville have access to necessary medical care. Applications for Utah Medicaid and CHIP can be submitted through the state's Medicaid portal at medicaid.utah.gov.

Making the Right Choice for Your Centerville Construction Business

Choosing the best health insurance for your Centerville construction company involves evaluating your budget, your employees' needs, and the specific plan offerings in Rating Area 3. Consider these steps:

Assess Your Budget: Determine how much your business can realistically contribute to premiums and employee out-of-pocket costs.
Understand Employee Needs: Consider the average age, health status, and preference for specific doctors or hospitals among your workforce.
Explore SHOP Marketplace: If eligible, investigate plans through HealthCare.gov's SHOP Marketplace to potentially qualify for the Small Business Health Care Tax Credit, which can significantly reduce your costs.
Compare Plan Details: Look beyond just premiums. Compare deductibles, copayments, coinsurance, and annual out-of-pocket maximums for different metal tiers (Bronze, Silver, Gold).
Verify Network Coverage: Ensure that the plan's network includes preferred doctors, specialists, and local hospitals like Holy Cross Hospital-davis or Lakeview Hospital, which serve Centerville and Davis County.

A licensed health insurance producer can provide free, unbiased guidance tailored to your small business's unique situation. They can help you navigate the complexities of plan options, eligibility requirements, and enrollment processes to ensure you find the best coverage for your team.

Frequently Asked Questions

What are the health insurance options for small businesses in Centerville, Utah?

Small businesses in Centerville can explore options through the ACA Small Business Health Options Program (SHOP), direct plans from carriers, or group plans if they meet minimum employee requirements. Individual marketplace plans on HealthCare.gov may also be an option for owners and employees who do not receive group coverage.

How many health insurance carriers offer plans in Centerville's Rating Area 3?

In 2026, four 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. These plans primarily utilize HMO and EPO network structures.

Can my Centerville construction business get a tax credit for offering health insurance?

Yes, eligible small businesses (typically with fewer than 25 full-time equivalent employees and average wages below approximately $60,000) may qualify for the Small Business Health Care Tax Credit, which can cover up to 50% of premium costs. Plans must be purchased through the SHOP Marketplace to qualify.

Are PPO plans available for small businesses in Centerville through HealthCare.gov?

No, PPO plans are not available on-exchange through HealthCare.gov in Utah. Small businesses and individuals shopping on the marketplace in Centerville will choose between HMO and EPO network structures. PPO plans may be available off-exchange directly from some carriers, but generally without subsidy eligibility.