Small Business Landscaping Health Insurance in Centerville, Utah

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

Centerville, Utah, is part of Rating Area 3, where four carriers offer HealthCare.gov plans for 2026.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
Marketplace plans in Utah's Rating Area 3 are limited to HMO and EPO network types; PPOs are not available on-exchange.
Small business owners in Centerville can explore individual marketplace plans, Utah Medicaid, or SHOP plans if they have non-owner employees.

For small business owners in the landscaping industry in Centerville, Utah, securing affordable and comprehensive health insurance is a critical concern. Whether you're a sole proprietor or have a small team, navigating the options can seem complex. In Centerville, you can access health plans through the federal marketplace at HealthCare.gov, potentially qualifying for subsidies based on income. Utah's expanded Medicaid program also offers a vital safety net for those with lower incomes, covering adults up to 138% of the Federal Poverty Level (FPL). Understanding these pathways and the local market specifics is key to finding the right coverage for yourself and your employees.

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What Health Insurance Options Are Available for Centerville Landscaping Businesses?

Small landscaping businesses in Centerville, Utah, have several avenues to explore for health insurance, depending on their structure and employee count.

Individual and Family Plans (IFP) via HealthCare.gov: Many self-employed individuals or small business owners without employees opt for individual plans. These plans are purchased through HealthCare.gov, Utah's federal marketplace. Eligibility for premium tax credits and cost-sharing reductions depends on household income and can significantly lower monthly premiums and out-of-pocket costs.
Small Business Health Options Program (SHOP): If your landscaping business has at least one employee other than yourself, a spouse, or a dependent, you may be eligible for a SHOP plan. These plans are also offered through HealthCare.gov and can provide more structured group coverage options.
Utah Medicaid: Utah expanded Medicaid in 2020, making adults with household incomes up to 138% FPL eligible for comprehensive, low-cost health coverage. This is a crucial option for individuals and families in Centerville who meet the income criteria.
Off-Marketplace Plans: You can purchase health insurance directly from carriers outside of HealthCare.gov. While these plans offer more flexibility in some cases, they are not eligible for federal subsidies, meaning you'll pay the full premium.

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, is part of Rating Area 3. This rating area also covers Salt Lake, Summit, Tooele, and Wasatch counties. The city's uninsured rate stands at 4.5%, lower than Davis County's 5.7%, indicating a relatively well-insured community. These local demographics help shape the available plan options and pricing.

Understanding Marketplace Plans in Centerville's Rating Area 3

When shopping for health insurance on HealthCare.gov in Centerville, it's important to understand the types of plans available. In Utah, the marketplace choice for shoppers is between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures. PPO plans are not available on-exchange in Utah, a key difference from many other states. HMO plans typically require you to choose a primary care provider (PCP) within the network and get referrals to see specialists. They usually have lower premiums and out-of-pocket costs but less flexibility in choosing providers. EPO plans offer a bit more flexibility, allowing you to see specialists without a referral, but generally only cover services from providers within their network. Both types emphasize in-network care. Plans are categorized by "metal tiers" (Bronze, Silver, Gold, Platinum), which indicate how costs are split between you and your insurance company.

Metal Tier	Approximate Cost Share (Insurer Pays)	Best For
Bronze	60%	Healthy individuals who want low monthly premiums and can afford higher out-of-pocket costs if they need care.
Silver	70%	Individuals and families who qualify for cost-sharing reductions (CSRs), which significantly lower deductibles, copays, and out-of-pocket maximums.
Gold	80%	Individuals who expect to use a moderate amount of medical care and prefer higher monthly premiums for lower costs when they receive services.

Note: Platinum plans are typically not widely available in all rating areas and often have the highest premiums. Silver plans are particularly important for small business owners with lower incomes, as they are the only plans eligible for cost-sharing reductions (CSRs). These subsidies can drastically reduce your deductible, copayments, and out-of-pocket maximums, making healthcare much more affordable.

Centerville's Local Healthcare Providers and Systems

Centerville residents rely on healthcare facilities within Davis County and the broader Rating Area 3. Davis County is home to four acute care hospitals that serve the region: Holy Cross Hospital-davis in Layton, Lakeview Hospital in Bountiful, Intermountain Health Layton Hospital in Layton, and Western Peaks Specialty Hospital in Bountiful. Holy Cross Hospital-davis is one of the key facilities serving the Centerville area. These hospitals are part of larger health systems, and the availability of specific providers within your plan's network is a crucial consideration when choosing coverage. Always check if your preferred doctors and hospitals are in-network for any plan you consider.

Health Insurance Carriers in Centerville

For 2026, four carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, including Centerville. These carriers provide a range of HMO and EPO plans for individuals and small businesses. The confirmed local carriers for Centerville are:

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

These carriers offer various plan options across the Bronze, Silver, and Gold metal tiers. When comparing plans, review the specific network (HMO or EPO), the included benefits, cost-sharing details (deductibles, copays, coinsurance), and the formulary for prescription drugs.

Making Your Health Insurance Decision in Centerville

Choosing the right health insurance plan for your landscaping small business in Centerville involves evaluating your income, health needs, and budget.

If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through medicaid.utah.gov. For a single adult, 138% FPL is approximately $20,783 in 2024.
If your income is between 100% and 400% FPL: You are eligible for premium tax credits (subsidies) to lower your monthly premiums on HealthCare.gov. Consider a Silver plan, especially if your income is closer to the lower end of this range, as you may also qualify for cost-sharing reductions.
If your income is above 400% FPL: You can still purchase a plan through HealthCare.gov, but you won't qualify for subsidies. You may also explore off-marketplace plans directly from carriers.
If you have non-owner employees: Investigate SHOP plans on HealthCare.gov to provide group coverage options.

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 ensure you receive all eligible subsidies. This service is typically free to you.

Frequently Asked Questions

What health insurance options are available for small landscaping businesses in Centerville?

Small landscaping businesses in Centerville can explore options through HealthCare.gov for individual or family plans, consider Utah Medicaid if income-eligible (up to 138% FPL for adults), or look into Small Business Health Options Program (SHOP) plans if they have at least one employee other than themselves. Off-exchange options are also available without subsidies.

Are PPO plans available on the HealthCare.gov marketplace in Centerville, Utah?

No, PPO plans are not available on the HealthCare.gov marketplace in Utah. Centerville residents shopping on-exchange will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans may be available off-marketplace, but these do not qualify for premium tax credits.

What is the income limit for Utah Medicaid in Centerville?

Utah expanded Medicaid in 2020. Adults in Centerville with household income up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the threshold is 144% FPL, and for children via CHIP, it's up to 200% FPL. You can apply through medicaid.utah.gov.

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

In 2026, four carriers offer marketplace plans in Rating Area 3, which includes Centerville. These carriers are BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans. Always verify specific plan availability for your ZIP code on HealthCare.gov.