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

Small Business Health Insurance for Landscaping Companies in Moab, Utah

Small landscaping businesses in Moab can access group health plans through the SHOP Marketplace on HealthCare.gov.
Moab businesses with fewer than 25 employees may qualify for the Small Business Health Care Tax Credit, covering up to 50% of premium costs.
In 2026, two carriers, Select Health and University of Utah Health Plans, offer marketplace plans in Moab's Rating Area 6.
Utah's marketplace does not offer PPO plans; employers will choose between HMO and EPO network structures.

For small landscaping businesses in Moab, Utah, securing health insurance for your team is a crucial decision that impacts employee retention and financial stability. As of 2026, Moab, with a population of 5,312 and a median household income of $61,667 per U.S. Census Bureau ACS 2024 5-year estimates, presents a unique market. Understanding the available options, from federally facilitated marketplace (FFM) plans through HealthCare.gov to various Health Reimbursement Arrangements (HRAs), can help you provide competitive benefits while managing costs.

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What Are the Health Insurance Options for Landscaping Businesses in Moab?

Small businesses in the landscaping industry in Moab have several avenues to explore when providing health benefits. The choice often depends on the size of your business, budget, and desired level of administrative involvement.

Here are the primary options:

Small Business Health Options Program (SHOP) Marketplace: Available through HealthCare.gov, the SHOP Marketplace allows small employers (generally those with 1-50 employees) to offer group health and dental coverage. This is often the most straightforward way for small businesses to provide traditional group health plans and may qualify you for the Small Business Health Care Tax Credit.
Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs): For businesses with fewer than 50 employees that do not offer a traditional group health plan, a QSEHRA allows you to reimburse employees for health insurance premiums and qualified medical expenses. Employees purchase individual plans, often with the help of ACA subsidies, and you reimburse them tax-free up to a set amount.
Individual Coverage Health Reimbursement Arrangements (ICHRAs): Available to businesses of any size, ICHRAs allow employers to reimburse employees for individual health insurance premiums and other medical expenses. Unlike QSEHRAs, ICHRAs can be offered alongside other group plans to different classes of employees, providing greater flexibility.
Helping Employees Purchase Individual Plans: While not a direct employer-sponsored plan, some businesses choose to provide employees with resources or stipends to purchase their own individual health insurance plans on HealthCare.gov. Employees may qualify for premium tax credits and cost-sharing reductions based on their household income, making individual coverage more affordable.

Understanding the SHOP Marketplace in Utah's Rating Area 6

The Small Business Health Options Program (SHOP) through HealthCare.gov is a key resource for small businesses like landscaping companies looking to offer group health insurance. In Moab, which is part of Utah's Rating Area 6, the marketplace offers plans with specific network structures.

Key features of the SHOP Marketplace in Utah:

Plan Types: In Utah, the SHOP Marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. It's important to note that PPO plans are not available on-exchange in Utah. This means employers and employees will choose from plans that typically require selecting a primary care provider and referrals for specialists (HMO) or provide more flexibility within a defined network without referrals (EPO).
Employer Contribution: To participate in SHOP, employers must typically contribute at least 50% of the premium cost for employees. This contribution helps make coverage more accessible and attractive to your team.
Employee Participation: Usually, at least 70% of eligible employees must enroll in the SHOP plan (excluding those with other qualifying coverage) for the business to be eligible.
Small Business Health Care Tax Credit: If your landscaping business has fewer than 25 full-time equivalent (FTE) employees, pays average annual wages below a certain threshold (approximately $58,000 in 2024, subject to change), and contributes at least 50% of employee premium costs, you may be eligible for a tax credit. This credit can cover up to 50% of your premium contributions, significantly reducing your cost of providing coverage.

Health Reimbursement Arrangements (HRAs) for Flexibility

For many small landscaping businesses in Moab, traditional group health plans might not be the best fit due to cost or administrative burden. Health Reimbursement Arrangements (HRAs) offer a flexible alternative, allowing employers to contribute funds for employees to use towards health expenses or individual insurance premiums.

The two main types of HRAs relevant to small businesses are:

Qualified Small Employer Health Reimbursement Arrangement (QSEHRA): Designed for businesses with fewer than 50 employees that do not offer a group health plan. With a QSEHRA, you set a monthly allowance for each employee, and they use these tax-free funds to pay for individual health insurance premiums (purchased on HealthCare.gov or directly from a carrier) and other qualified medical expenses. This allows employees to choose plans that best suit their individual needs while still receiving financial support from their employer.
Individual Coverage Health Reimbursement Arrangement (ICHRA): Offers more flexibility than a QSEHRA, as it's available to businesses of any size and can be used even if you offer a traditional group plan to other employee classes. Employees must have individual health insurance coverage to receive reimbursements. ICHRAs can be a powerful tool for businesses looking to offer varying levels of benefits to different employee groups, such as full-time vs. part-time workers, or those in different geographic locations.

Both QSEHRAs and ICHRAs offer tax advantages for both employers and employees, making them attractive options for small businesses seeking to provide health benefits without the complexities of managing a full group plan.

Health Insurance Carriers in Moab

In 2026, 2 carriers offer marketplace plans in Rating Area 6, which covers Beaver, Carbon, Daggett, Duchesne, Emery, Garfield, Grand, Juab, Kane, Millard, Piute, San Juan, Sanpete, Sevier, Uintah, Wayne counties. Landscaping businesses and their employees in Moab will primarily find plans from:

Select Health
University of Utah Health Plans

These carriers provide a range of HMO and EPO plans on HealthCare.gov, offering various benefit levels and price points. When evaluating plans, consider the network of doctors and hospitals, prescription drug coverage, and out-of-pocket costs like deductibles, copayments, and coinsurance.

Making the Right Health Insurance Decision for Your Landscaping Business

Choosing the best health insurance strategy for your landscaping business in Moab involves weighing several factors, including your budget, the number of employees, and the level of administrative involvement you're comfortable with.

Consider the following:

For businesses prioritizing tax credits and traditional group benefits: Explore the SHOP Marketplace on HealthCare.gov. If you have fewer than 25 employees and meet the wage requirements, the Small Business Health Care Tax Credit can significantly offset your costs.
For businesses seeking flexibility and employee choice without a group plan: A QSEHRA or ICHRA might be ideal. These allow employees to select individual plans that fit their personal needs, potentially leveraging ACA subsidies, while you contribute a set amount.
For individual employees seeking coverage: Employees with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid, which expanded in 2020. For those above 138% FPL, premium tax credits and cost-sharing reductions are available on HealthCare.gov to make individual plans more affordable.

Grand County, home to Moab, has no acute care hospitals within its boundaries, meaning residents often travel to neighboring counties for hospital services. For this reason, selecting a plan with a robust network that includes facilities accessible from Moab is a key consideration. The city of Moab has an uninsured rate of 14.6%, while Grand County's uninsured rate is 10.9% per U.S. Census Bureau ACS 2024 5-year estimates. This highlights the importance of accessible and affordable health insurance options for local businesses and their employees.

Frequently Asked Questions

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

Small landscaping businesses in Moab can explore options such as the Small Business Health Options Program (SHOP) through HealthCare.gov, Qualified Small Employer Health Reimbursement Arrangements (QSEHRAs), Individual Coverage Health Reimbursement Arrangements (ICHRAs), or helping employees purchase individual plans with potential ACA subsidies.

Can my landscaping business qualify for tax credits when offering health insurance in Utah?

Yes, small businesses with fewer than 25 full-time equivalent employees and average wages below approximately $58,000 (2024 figures, subject to change) may qualify for the Small Business Health Care Tax Credit, which can cover up to 50% of premium costs when purchasing through the SHOP Marketplace.

Are PPO plans available for small businesses on the Utah health insurance marketplace?

No, PPO plans are not available on the individual or SHOP marketplace in Utah. Small businesses purchasing through HealthCare.gov will find plan options with HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) network structures from carriers like Select Health and University of Utah Health Plans.

What is the average uninsured rate for residents in Grand County, Utah?

According to U.S. Census Bureau ACS 2024 5-year estimates, Grand County, where Moab is located, has an uninsured rate of 10.9%. This is lower than the city of Moab's rate of 14.6%, highlighting a need for accessible coverage options for local businesses and residents.