Health Insurance for Small Businesses and Real Estate Professionals in Clearfield, Utah
- Small businesses and real estate professionals in Clearfield, Utah, can access subsidized individual plans through HealthCare.gov.
- In 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Clearfield (Davis County).
- Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level (FPL).
- Clearfield's uninsured rate is 9.6%, higher than Davis County's 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.
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What Health Insurance Options are Available for Small Businesses and Real Estate Professionals in Clearfield?
Small business owners and real estate agents in Clearfield typically have a few primary avenues for health insurance, depending on their business structure and employee count:- Individual Marketplace Plans (HealthCare.gov): For self-employed individuals, independent contractors, and small businesses with fewer than 50 employees, individual plans purchased through HealthCare.gov are often the most cost-effective solution. These plans are eligible for premium tax credits and cost-sharing reductions based on household income, making comprehensive coverage more affordable. In Utah, the marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.
- Small Group Health Plans: If your real estate business or small company has two or more full-time equivalent employees (and meets other state-specific requirements), you may qualify for a small group health plan. These plans are purchased directly from insurers or through a broker and offer predictable monthly premiums and a wider choice of network options.
- Qualified Small Employer Health Reimbursement Arrangement (QSEHRA): For small businesses with fewer than 50 employees that do not offer a traditional group health plan, a QSEHRA allows employers to reimburse employees for qualified medical expenses, including individual health insurance premiums, on a tax-free basis.
- Utah Medicaid: Real estate professionals and small business owners with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. Utah expanded Medicaid in 2020, ensuring more adults have access to low-cost or free healthcare. Pregnant women may qualify with incomes up to 144% FPL, and children up to 200% FPL qualify for CHIP.
How Do Subsidies and Tax Credits Work for Clearfield Residents?
Affordable Care Act (ACA) subsidies, known as premium tax credits, are available to Clearfield residents who purchase plans through HealthCare.gov and meet income requirements. These credits reduce your monthly premium, making health insurance more accessible. Eligibility for premium tax credits is based on your household income relative to the Federal Poverty Level (FPL). You may qualify if your income is between 100% and 400% FPL. For those with incomes below 100% FPL, Utah's expanded Medicaid program provides coverage up to 138% FPL. Additionally, individuals and families with incomes up to 250% FPL may qualify for cost-sharing reductions (CSRs) when they enroll in a Silver-tier plan. CSRs lower your out-of-pocket costs, such as deductibles, copayments, and coinsurance, making healthcare more affordable when you use it.| Household Size | 100% FPL (approx.) | 138% FPL (Medicaid) | 250% FPL (CSRs) | 400% FPL (Premium Tax Credits) |
|---|---|---|---|---|
| 1 | $15,060 | $20,783 | $37,650 | $60,240 |
| 2 | $20,440 | $28,207 | $51,100 | $81,760 |
| 3 | $25,820 | $35,631 | $64,550 | $103,280 |
| 4 | $31,200 | $43,056 | $78,000 | $124,800 |
| Figures are approximate and based on 2023 FPL, adjusted for 2026. Actual FPL numbers are updated annually. | ||||
Health Insurance Carriers in Clearfield
For 2026, 4 carriers offer marketplace plans in Rating Area 3, which serves Clearfield and the surrounding counties of Salt Lake, Summit, Tooele, and Wasatch. These carriers provide a range of HMO and EPO plans to suit different needs and budgets. The confirmed carriers for Clearfield's Rating Area 3 are:- BridgeSpan Health Company
- Regence BlueCross BlueShield of Utah
- Select Health
- University of Utah Health Plans
Choosing the Right Plan for Your Small Business or Real Estate Career
Deciding on the best health insurance plan involves evaluating your income, health needs, and budget. Here’s a decision-making guide for Clearfield's small business owners and real estate professionals:- If your income is below 138% FPL: You likely qualify for Utah Medicaid. Apply directly through Utah's Medicaid portal (medicaid.utah.gov) for comprehensive, low-cost coverage.
- If your income is between 100% and 400% FPL: Explore plans on HealthCare.gov. You will likely qualify for significant premium tax credits, making a Bronze, Silver, Gold, or Platinum plan more affordable. Silver plans are often a good choice, especially if your income is below 250% FPL, as they come with additional cost-sharing reductions.
- If your income is above 400% FPL: While you won't qualify for premium tax credits, you can still purchase a comprehensive plan through HealthCare.gov. You may also explore off-marketplace options directly from carriers, though these will not include subsidies.
- For small businesses with employees: Consider a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) to help your employees pay for their individual health insurance, or investigate small group plans if you have two or more employees and meet eligibility.
Frequently Asked Questions
Can real estate agents get group health insurance?
Real estate agents working for a brokerage may be eligible for group health insurance if the brokerage offers it and they meet the employer's criteria for full-time or part-time status. Independent agents, brokers, or those operating as small business owners typically need to seek individual or small group plans.
What are the health insurance options for a small business with only one employee?
In Utah, small businesses with one employee (often the owner) can explore individual marketplace plans through HealthCare.gov, especially if eligible for subsidies. They may also consider a Qualified Small Employer Health Reimbursement Arrangement (QSEHRA) to reimburse the employee for individual plan premiums tax-free, or a traditional small group plan if they meet specific criteria.
Are health insurance premiums for small businesses tax-deductible in Utah?
Yes, for eligible small businesses, health insurance premiums can often be a tax-deductible business expense. Self-employed individuals, including many real estate professionals, may be able to deduct premiums through the self-employed health insurance deduction, reducing their adjusted gross income. It is advisable to consult a tax professional for specific guidance.
What is the difference between an HMO and an EPO plan in Clearfield?
In Clearfield, both HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans are available on HealthCare.gov. HMOs typically require you to choose a primary care provider (PCP) within the network and get a referral to see specialists. EPOs do not usually require a PCP or referrals, but they generally do not cover out-of-network care except in emergencies. PPO plans are not available on-exchange in Utah.