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

Small Business Health Insurance in Clearfield, Utah

Small businesses in Clearfield have options ranging from traditional group plans to helping employees find individual coverage on HealthCare.gov.
Utah expanded Medicaid in 2020, covering adults, including small business owners and their employees, with incomes up to 138% of the Federal Poverty Level.
In 2026, 4 confirmed carriers offer marketplace plans in Clearfield's Rating Area 3, providing choices for individual and small group coverage.
Clearfield's uninsured rate is 9.6%, indicating a significant portion of the population could benefit from exploring coverage options.

Navigating health insurance options for your small business in Clearfield, Utah, involves understanding both group plan possibilities and the individual marketplace. Whether you're looking to provide coverage for your employees or seeking options for yourself as a self-employed individual, HealthCare.gov serves as the federal marketplace for Utah residents, offering plans with potential subsidies. For many small businesses, a combination of strategies, including Small Business Health Options Program (SHOP) plans or individual coverage health reimbursement arrangements (ICHRAs), can provide flexible and affordable solutions.

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Understanding Small Business Health Insurance Options in Clearfield

Small business owners in Clearfield have several avenues to explore when it comes to health insurance. The choice often depends on the size of your business, your budget, and the specific needs of your employees.

Group Health Plans: For businesses with one or more employees (excluding the owner, spouse, or dependents), traditional group health insurance plans are available. These plans are purchased directly from insurance carriers or through the Small Business Health Options Program (SHOP) marketplace. Group plans can offer competitive benefits and may be more attractive to potential employees.

Individual Coverage Health Reimbursement Arrangement (ICHRA): An ICHRA allows employers to provide tax-free funds for employees to purchase their own individual health insurance plans, either on HealthCare.gov or off-exchange. This offers employees greater choice in plans while giving the employer predictable costs.

Qualified Small Employer Health Reimbursement Arrangement (QSEHRA): Similar to ICHRA, a QSEHRA is for businesses with fewer than 50 full-time employees that do not offer a group health plan. It allows employers to reimburse employees for health insurance premiums and qualified medical expenses on a tax-free basis.

Individual Marketplace Plans: Small business owners and their employees can purchase individual health insurance plans directly through HealthCare.gov. Many Clearfield residents qualify for subsidies (Advance Premium Tax Credits) to lower their monthly premiums, making these plans a highly affordable option, especially for those who do not have access to employer-sponsored coverage.

Clearfield's Health Insurance Marketplace: HealthCare.gov

Utah utilizes the federal marketplace, HealthCare.gov, making it the primary platform for individuals and families in Clearfield to find and enroll in health insurance plans. The marketplace offers financial assistance, known as Advance Premium Tax Credits (APTCs) and Cost-Sharing Reductions (CSRs), to eligible individuals and families based on their income.

For the 2026 plan year, Clearfield residents seeking coverage on HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange in Utah, meaning marketplace shoppers will select from HMO and EPO network structures. While PPO plans may be available off-marketplace, they will not qualify for federal subsidies.

Utah expanded its Medicaid program in 2020, making health coverage accessible to more residents. Adults in Clearfield with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold for Utah Medicaid is 144% FPL, covering comprehensive prenatal, delivery, and postpartum care. Additionally, uninsured children in households up to 200% FPL can qualify for Utah Children's Health Insurance Program (CHIP).

Health Insurance Carriers in Clearfield

For small business owners and individuals in Clearfield, understanding which insurance carriers offer plans in your specific area is crucial. The availability of plans is determined by your rating area. Clearfield is located in Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties.

In 2026, 4 confirmed carriers offer marketplace plans in Rating Area 3:

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

These carriers provide a range of HMO and EPO plans designed to meet various healthcare needs and budgets. When exploring options, it's recommended to compare plan benefits, deductibles, out-of-pocket maximums, and network providers to find the best fit for your small business or individual needs.

Clearfield Healthcare Resources and Demographics

Small business owners considering health insurance options in Clearfield benefit from understanding the local healthcare landscape and community demographics. Clearfield, with a population of 33,523, has a median income of $75,495 and an uninsured rate of 9.6%, per U.S. Census Bureau ACS 2024 5-year estimates. This is higher than its parent, Davis County, which has a population of 370,924, a median income of $110,884, and a lower uninsured rate of 5.7%.

The healthcare infrastructure supporting Clearfield residents includes several acute care hospitals within Davis County. These facilities provide essential services and are part of the network for many insurance plans available in the area. Major hospitals 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. Small business owners in Clearfield, part of Utah's Rating Area 3, navigate a local healthcare landscape that includes facilities like Holy Cross Hospital-davis in nearby Layton. While Clearfield's uninsured rate stands at 9.6%, its parent Davis County, with a population of 370,924, boasts a lower 5.7% uninsured rate, per U.S. Census Bureau ACS 2024 5-year estimates.

Choosing the Right Plan for Your Small Business in Clearfield

Deciding on the best health insurance strategy for your small business in Clearfield requires careful consideration of several factors.

Business Size and Budget: For very small businesses or self-employed individuals, individual plans on HealthCare.gov with subsidies might be the most cost-effective solution. Larger small businesses might find group plans or ICHRA/QSEHRA arrangements more suitable.
Employee Needs: Consider the health needs of your employees. Do they require specific doctors or hospitals? An HMO plan typically requires a primary care physician referral, while an EPO offers more flexibility within its network.
Tax Advantages: Explore potential tax deductions for premiums paid as a business expense. Qualified small employers may be eligible for tax credits when offering group coverage through the SHOP marketplace.
Medicaid Eligibility: For employees or owners with lower incomes, Utah Medicaid offers comprehensive coverage up to 138% FPL, eliminating the need for private insurance premiums.

Navigating these options can be complex. Working with a licensed health insurance producer can simplify the process, helping you compare plans, understand eligibility for subsidies or tax credits, and enroll in the best coverage for your Clearfield small business.

Frequently Asked Questions

Can small businesses get tax credits for health insurance in Clearfield?

Yes, small businesses in Clearfield may qualify for tax credits through the SHOP marketplace if they offer group plans, or they can use programs like QSEHRA or ICHRA to help employees pay for individual plans purchased on HealthCare.gov. An average of 72% of Utahns qualified for subsidies to lower their monthly premiums in 2023.

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

In Clearfield, residents purchasing plans through HealthCare.gov can choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah. Off-marketplace PPOs may exist but do not qualify for subsidies.

Does Utah Medicaid cover small business owners or their employees?

Yes, Utah expanded Medicaid in 2020. Adults, including small business owners and their employees, may qualify for Utah Medicaid if their household income is at or below 138% of the Federal Poverty Level. This provides comprehensive, low-cost coverage.

How many carriers offer plans in Clearfield's rating area?

For the 2026 plan year, 4 confirmed carriers offer marketplace plans in Rating Area 3, which includes Clearfield and other surrounding counties. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.