What types of health plans are available for small businesses in Clearfield, Utah?

In Clearfield, small businesses can access Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the Utah marketplace. These plans typically cover essential health benefits, including doctor visits, prescriptions, and hospital care.

Can electrical contractors get subsidies for health insurance in Clearfield?

Yes, if you are a small business owner or self-employed electrical contractor in Clearfield, you may qualify for premium tax credits (subsidies) to lower your monthly health insurance costs, depending on your household income and size. These subsidies are available for plans purchased through HealthCare.gov.

Small Business Health Insurance for Electrical Contractors in Clearfield, Utah

Q: Is Medicaid available for low-income electrical contractors in Utah?

Yes, Utah expanded Medicaid in 2020. Adults in Clearfield, including electrical contractors, with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, which offers comprehensive, low-cost coverage.

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

Electrical contractors in Clearfield can access federally subsidized health insurance plans through HealthCare.gov.
For 2026, four carriers offer marketplace plans in Clearfield's Rating Area 3: BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.
Utah's marketplace plans include Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) options; PPO plans are not available on-exchange.
Adults in Utah with incomes up to 138% of the Federal Poverty Level, including small business owners, may qualify for Utah Medicaid.
Clearfield's uninsured rate stands at 9.6%, indicating a significant portion of the population without coverage, per U.S. Census Bureau ACS 2024 5-year estimates.

For small business owners and electrical contractors in Clearfield, Utah, securing affordable and comprehensive health insurance is a critical decision. You have several options for coverage, primarily through the federal Health Insurance Marketplace (HealthCare.gov), which offers plans with potential financial assistance. Understanding the plan types available, local carriers, and eligibility for subsidies or Medicaid can help you choose the best coverage for yourself, your family, or your employees.

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What Health Insurance Options Are Available for Small Businesses in Clearfield?

Small business owners and self-employed electrical contractors in Clearfield primarily access health insurance through HealthCare.gov. This marketplace is where individuals and families can enroll in Affordable Care Act (ACA) compliant plans and receive financial assistance to lower premium costs. In Clearfield, which is part of Utah's Rating Area 3, the marketplace offers two main types of plans:

Health Maintenance Organization (HMO) Plans: These plans typically require you to choose a primary care provider (PCP) within the plan's network and get referrals from your PCP to see specialists. HMOs often have lower premiums and out-of-pocket costs, but offer less flexibility in choosing providers.
Exclusive Provider Organization (EPO) Plans: EPO plans offer a network of doctors and hospitals you can use without a referral, similar to a PPO. However, unlike PPOs, EPOs generally do not cover out-of-network care except in emergencies.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. If you prefer a PPO plan, you would need to explore options off the marketplace, which means you would not be eligible for premium tax credits.

Can Electrical Contractors Get Subsidies to Lower Health Insurance Costs?

Many small business owners and self-employed individuals in Clearfield, Utah, qualify for financial assistance to make health insurance more affordable. These subsidies, known as premium tax credits, are available through HealthCare.gov and can significantly reduce your monthly premium. Eligibility for premium tax credits depends on your household income and family size. For 2026, individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL) are generally eligible for subsidies. Those with incomes below 100% FPL, or even slightly above, may qualify for Utah Medicaid. Clearfield, Utah, has a median income of $75,495 and a poverty rate of 12.7%, per U.S. Census Bureau ACS 2024 5-year estimates. This suggests that many residents, including small business owners, may fall within the income ranges that qualify for substantial financial assistance. To estimate your potential subsidy, you will need to provide accurate income and household information when applying through HealthCare.gov. The marketplace will automatically calculate any premium tax credits you are eligible for, which can be applied directly to your monthly premiums.

Health Insurance Carriers in Clearfield

For 2026, four carriers offer marketplace plans in Clearfield, Utah, which is located in Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans designed to meet various needs and budgets. The confirmed carriers for Rating Area 3 in 2026 are:

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

When choosing a plan, it's essential to compare not only premiums but also deductibles, copayments, coinsurance, and the network of doctors and hospitals. Each carrier offers different plan tiers (Bronze, Silver, Gold, Platinum) with varying levels of coverage and out-of-pocket costs. Higher metal tiers generally have higher premiums but lower out-of-pocket costs when you need care, while lower metal tiers have lower premiums but higher out-of-pocket costs.

What About Medicaid for Low-Income Electrical Contractors?

Unlike some other states, Utah expanded its Medicaid program in 2020 via Proposition 3. This means that adults, including small business owners and electrical contractors, with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. Utah Medicaid provides comprehensive health coverage with no monthly premiums and minimal out-of-pocket costs. For pregnant women in Utah, the income threshold for Medicaid is even higher, at 144% FPL, covering prenatal care, labor, delivery, and postpartum care. Children in households up to 200% FPL may qualify for Utah CHIP (Children's Health Insurance Program). If your income falls within these guidelines, applying for Utah Medicaid through medicaid.utah.gov could provide you with high-quality, affordable healthcare. This is a crucial safety net for many low-income individuals and families in Clearfield and across Utah. Clearfield, Utah, with a population of 33,523 and an uninsured rate of 9.6%, benefits significantly from Utah's expanded Medicaid program, providing an essential pathway to coverage for many residents, per U.S. Census Bureau ACS 2024 5-year estimates. Davis County, the parent county for Clearfield, has an uninsured rate of 5.7% and a population of 370,924. Hospitals serving Davis County residents include Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful.

Making Your Health Insurance Decision in Clearfield

Choosing the right health insurance plan as an electrical contractor or small business owner in Clearfield involves considering your income, health needs, and budget. Here’s a general guide:

If your income is below 138% FPL: You likely qualify for Utah Medicaid. This is your most affordable and comprehensive option. Apply directly through the Utah Medicaid portal.
If your income is 100% - 400% FPL: You are eligible for premium tax credits through HealthCare.gov. Consider Silver plans, as they offer Cost-Sharing Reductions (CSRs) in addition to premium tax credits for those with incomes up to 250% FPL, significantly lowering deductibles and copays.
If your income is above 400% FPL: While you won't qualify for premium tax credits, you can still purchase plans through HealthCare.gov or directly from carriers off-exchange. Compare Bronze, Silver, and Gold plans based on your expected healthcare usage and preferred balance of premiums vs. out-of-pocket costs.

A licensed health insurance producer can help you navigate these options, compare plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans, and determine your eligibility for financial assistance, all at no cost to you.

Frequently Asked Questions

What is the difference between an HMO and an EPO plan in Utah?

In Utah, an HMO (Health Maintenance Organization) plan typically requires you to choose a primary care doctor and get referrals for specialists. An EPO (Exclusive Provider Organization) plan allows you to see specialists without a referral, but generally only covers services from providers within its network, except in emergencies. Neither PPO plans nor out-of-network care (outside emergencies) are available on the Utah marketplace.

Can I get a PPO plan for my small business in Clearfield through HealthCare.gov?

No, PPO plans are not offered on the HealthCare.gov marketplace in Utah. For small businesses and individuals in Clearfield, the marketplace offers HMO and EPO plans. If you specifically want a PPO plan, you would need to look for options directly from insurance carriers outside of the marketplace, which means any subsidies you might be eligible for would not apply.

What are the income limits for Utah Medicaid for adults?

For adults in Utah, including small business owners and electrical contractors, the income limit to qualify for Utah Medicaid is 138% of the Federal Poverty Level (FPL). For a single individual in 2026, this would be approximately $20,783 annually. These thresholds are subject to annual adjustment.

How can I enroll in a health insurance plan in Clearfield?

You can enroll in a health insurance plan through HealthCare.gov during the annual Open Enrollment Period, which typically runs from November 1 to January 15. If you experience a qualifying life event, such as getting married, having a baby, or losing other coverage, you may be eligible for a Special Enrollment Period outside of these dates. A licensed agent can assist you with the enrollment process.