Small Business Construction Health Insurance in Clearfield, Utah

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

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Clearfield and surrounding counties.
Utah expanded Medicaid in 2020, providing coverage for adults up to 138% of the Federal Poverty Level.
Marketplace plans in Utah are exclusively HMO and EPO network types; PPO plans are not available on-exchange.
Clearfield's uninsured rate is 9.6%, according to U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options for your small construction business or as a self-employed contractor in Clearfield, Utah, involves understanding both individual marketplace plans and potential small group options. For 2026, Clearfield residents can access a variety of health plans through HealthCare.gov, the federal marketplace for Utah. These plans may come with significant financial assistance in the form of premium tax credits, depending on household income, making coverage more affordable. Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, as PPO plans are not available on-exchange.

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What Are Your Health Insurance Options as a Small Construction Business in Clearfield?

Small construction businesses and self-employed individuals in Clearfield have several pathways to secure health insurance. The primary route for many is the individual marketplace on HealthCare.gov. Here, you can compare plans from various carriers and apply for subsidies to lower your monthly premiums. Eligibility for these subsidies extends to individuals and families earning between 100% and 400% of the Federal Poverty Level (FPL), provided they do not have access to affordable, minimum value employer-sponsored coverage. For businesses with 1 to 50 employees, the Small Business Health Options Program (SHOP) marketplace might be an option. SHOP plans allow small employers to offer health and dental coverage to their employees. While SHOP plans can simplify the process for employers, many small businesses in Utah, especially in the construction sector, find individual marketplace plans with subsidies to be a more flexible and cost-effective solution for their employees. Additionally, businesses may explore off-marketplace plans directly through carriers, though these plans do not qualify for premium tax credits.

Understanding Marketplace Plans and Subsidies in Clearfield

When shopping for health insurance on HealthCare.gov in Clearfield, you'll encounter plans categorized by metallic tiers: Bronze, Silver, Gold, and Platinum. These tiers indicate the percentage of healthcare costs the plan is expected to cover versus your out-of-pocket expenses.

Bronze plans: Typically have the lowest monthly premiums but the highest deductibles and out-of-pocket maximums. They cover about 60% of costs, with you paying 40%.
Silver plans: Offer a balance of premiums and out-of-pocket costs, covering about 70% of costs. Crucially, if you qualify for cost-sharing reductions (CSRs) based on income (up to 250% FPL), Silver plans provide enhanced benefits like lower deductibles and copays, making them a strong value.
Gold plans: Have higher monthly premiums than Bronze or Silver but lower deductibles and out-of-pocket maximums, covering about 80% of costs.
Platinum plans: Feature the highest premiums and the lowest out-of-pocket costs, covering about 90% of costs.

Premium tax credits, which directly reduce your monthly premium, are available for eligible individuals and families purchasing plans on HealthCare.gov. These credits are reconciled when you file your taxes. It's important to accurately estimate your household income for the upcoming year to ensure you receive the correct amount of assistance.

Medicaid and CHIP Eligibility in Utah

Utah expanded its Medicaid program in 2020 via a ballot initiative, making health coverage available to more residents. Adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This is a significant difference from states without expansion, as it ensures a pathway to coverage for lower-income individuals who might otherwise fall into a "coverage gap." For specific populations:

Pregnant Women: Utah Medicaid covers pregnant women with incomes up to 144% FPL, providing comprehensive prenatal care, labor and delivery, and postpartum care.
Children: The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL, offering affordable healthcare services.

If you believe you or your employees might qualify for Medicaid or CHIP, you can apply through Utah's Medicaid portal at medicaid.utah.gov.

Health Insurance Carriers in Clearfield

In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Clearfield as well as Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of plan options for individuals and families in the construction industry:

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

When choosing a plan, it's essential to review each carrier's specific offerings, network of doctors and hospitals, and prescription drug coverage to ensure it meets your needs in Clearfield.

Finding Healthcare Providers in Davis County

Clearfield is located in Davis County, which offers access to several acute care hospitals. Clearfield, Utah, a city with a population of 33,523 and an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates, is served by a robust healthcare infrastructure. Residents in Davis County have access to facilities such as Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. When selecting a health plan, verify that your preferred doctors, specialists, and hospitals are included in the plan's network, especially since Utah's marketplace plans are exclusively HMO and EPO, which often have more restricted networks than PPO plans.

Making the Right Decision for Your Construction Business

Choosing the right health insurance for your small construction business or as a self-employed contractor in Clearfield requires careful consideration of your budget, health needs, and employee situation.

If your income is below 138% FPL: You or your employees may qualify for Utah Medicaid.
If your income is between 100% and 400% FPL: You are likely eligible for significant premium tax credits on HealthCare.gov. Consider a Silver plan, especially if your income is below 250% FPL, to benefit from cost-sharing reductions.
If your income is above 400% FPL: You will pay the full premium but can still benefit from the competitive pricing and protections offered by marketplace plans, or explore off-marketplace options.
For small businesses with employees: Evaluate whether offering a SHOP plan or encouraging employees to use the individual marketplace with subsidies is the best approach.

A licensed health insurance producer can provide personalized guidance, helping you compare plans, understand your subsidy eligibility, and enroll in coverage that best suits your needs and budget. Their assistance is typically free.

Frequently Asked Questions

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

Small construction businesses in Clearfield, Utah, can access health insurance through the federal marketplace (HealthCare.gov) for individual or family plans, or explore off-marketplace options. The marketplace offers tax credits to reduce premiums for eligible individuals, and plan types are limited to HMO and EPO in Utah. Small employers may also consider Small Business Health Options Program (SHOP) plans if they have 1-50 employees, though availability can vary.

Can my construction employees in Clearfield get subsidies for health insurance?

Yes, employees of small construction businesses in Clearfield may qualify for subsidies (premium tax credits) if they purchase an individual or family plan through HealthCare.gov and meet income eligibility requirements. For 2026, these subsidies are available to households earning between 100% and 400% of the Federal Poverty Level (FPL), making coverage more affordable. Eligibility also depends on whether affordable, minimum value employer-sponsored coverage is available.

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

In Clearfield, Utah, marketplace plans available through HealthCare.gov are primarily Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. These plans vary in network structure, referral requirements, and out-of-pocket costs, with metallic tiers (Bronze, Silver, Gold, Platinum) indicating the level of cost-sharing.

What hospitals are available for Clearfield residents with health insurance?

Clearfield residents, particularly those in Davis County, have access to several acute care hospitals, including Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. It's important to check if a specific hospital or provider is in-network with your chosen health plan.