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

Small Business Restaurant Health Insurance in Centerville, Utah

Small businesses in Centerville can offer health insurance through HealthCare.gov's SHOP Marketplace if they have 1-50 full-time equivalent employees.
Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans; PPO plans are not available on-exchange.
Four confirmed carriers, including Select Health and University of Utah Health Plans, offer marketplace plans in Centerville's Rating Area 3 for 2026.
Eligible small employers can receive a Small Business Health Care Tax Credit of up to 50% of premium contributions.
The average uninsured rate in Centerville is 4.5%, significantly lower than the Davis County average of 5.7%.

Navigating health insurance options for your restaurant in Centerville, Utah, can seem complex, but several avenues exist to provide coverage for your employees. Small businesses with 1 to 50 full-time equivalent (FTE) employees can access health insurance plans through the Small Business Health Options Program (SHOP) Marketplace on HealthCare.gov. This federal marketplace, which serves Utah, allows employers to compare plans, manage contributions, and potentially qualify for tax credits. Understanding the specific plan types available in Centerville and knowing the local carriers is key to making an informed decision that supports your staff and your business.

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What Are Your Options for Small Business Health Insurance in Centerville?

For small restaurant owners in Centerville, Utah, there are primarily three ways to offer health insurance:

SHOP Marketplace (HealthCare.gov): This is the federal marketplace for small employers. It simplifies the process of offering health insurance by allowing you to compare plans, choose the level of coverage, and determine your contribution toward employee premiums. To be eligible, you must have 1-50 full-time equivalent employees and contribute at least 50% of the premium cost for your employees.
Directly from Health Insurance Carriers: Many insurance companies offer small group plans outside the SHOP Marketplace. You can work directly with a carrier or an independent broker to explore these options. While these plans are not eligible for the Small Business Health Care Tax Credit, they might offer different plan designs or network options.
Private Brokers or Agencies: Licensed health insurance producers specializing in small business plans can help you navigate both the SHOP Marketplace and direct carrier options. They provide personalized advice, compare plans across multiple providers, and assist with enrollment, often at no direct cost to you.

Centerville, part of Davis County, is situated within Utah Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. This multi-county rating area determines the specific plans and pricing available to your business.

Understanding Small Business Health Care Tax Credits

The Affordable Care Act (ACA) includes provisions to help small businesses afford health insurance for their employees through the Small Business Health Care Tax Credit. This credit can significantly reduce the cost of providing coverage. To qualify for the Small Business Health Care Tax Credit, your restaurant in Centerville must meet specific criteria:

You must have fewer than 25 full-time equivalent (FTE) employees.
Your average employee wages must be less than $60,000 per year.
You must pay at least 50% of your employees' premium costs.
You must offer coverage through the SHOP Marketplace.

If your restaurant qualifies, you could receive a tax credit worth up to 50% of the premiums you pay for your employees (up to 35% for tax-exempt organizations). This credit is available for two consecutive tax years, providing substantial financial relief. For example, if your Centerville restaurant employs 10 people with an average annual wage of $45,000 and you contribute $30,000 towards their health insurance premiums through SHOP, you could receive a tax credit of up to $15,000. This incentive is designed to make offering health benefits more accessible for smaller employers.

Available Health Plan Types in Centerville, Utah

When exploring small business health insurance in Centerville, it is important to understand the types of plans available on HealthCare.gov. In Utah, marketplace choices for small businesses are primarily between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) network structures.

HMO (Health Maintenance Organization): These plans typically have lower premiums and offer a defined network of doctors and hospitals. You usually need to choose a primary care provider (PCP) within the network who will refer you to specialists. Out-of-network care is generally not covered, except in emergencies.
EPO (Exclusive Provider Organization): EPO plans also use a network of providers, but often do not require a PCP referral to see a specialist. Like HMOs, out-of-network care is typically not covered, except for emergencies. EPOs offer a bit more flexibility than HMOs while still managing costs through network restrictions.

It is important to note that PPO (Preferred Provider Organization) plans are not available on-exchange through HealthCare.gov in Utah. If a PPO plan is desired, it would need to be sought directly from a carrier outside the marketplace, which means it would not be eligible for the Small Business Health Care Tax Credit. Centerville, Utah, with a population of 16,679 and an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates, benefits from a range of healthcare facilities in Davis County. Hospitals such as Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful provide acute care services, forming part of the broader network available to residents and employees in the area.

Health Insurance Carriers in Centerville

For the 2026 plan year, small businesses in Centerville's Rating Area 3 have access to plans from four confirmed carriers through HealthCare.gov. These carriers offer various HMO and EPO plans designed to meet different needs and budgets. It is important to review each carrier's specific plan offerings, network of providers, and cost structures to find the best fit for your restaurant and employees. The carriers offering marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, include:

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

When evaluating options, consider the networks associated with each carrier. For example, Select Health and University of Utah Health Plans are affiliated with major Utah health systems, which might be a factor for employees who prefer specific hospitals or physician groups. Davis County itself has four acute care hospitals, including Intermountain Health Layton Hospital and Western Peaks Specialty Hospital, providing a strong local healthcare infrastructure.

Making the Right Decision for Your Centerville Restaurant

Choosing the right health insurance plan for your restaurant in Centerville requires careful consideration of several factors, including your budget, the number of employees, and the specific needs of your staff.

Employer Contribution Level	Potential Impact on Employees	Business Implication
50% of Employee Premium (Minimum for SHOP)	Employees pay a larger share, potentially making coverage less affordable for some.	Meets minimum SHOP requirement, potentially qualifies for tax credit. Lower direct cost to business.
75% of Employee Premium	Coverage becomes more affordable, increasing employee participation and satisfaction.	Higher direct cost to business, but enhanced employee benefits can aid retention. Still eligible for tax credit if other criteria met.
100% of Employee Premium	Maximum affordability for employees, highly attractive benefit.	Highest direct cost to business, but a significant competitive advantage for attracting and retaining talent. Still eligible for tax credit if other criteria met.

Consider the following steps to make an informed decision:

Assess Your Budget: Determine how much your restaurant can realistically afford to contribute towards employee premiums. Remember that contributing more can make your benefits package more attractive.
Evaluate Employee Needs: Consider the age, health status, and preferences of your employees. Do they prioritize lower premiums, extensive networks, or specific types of plans like HMOs or EPOs?
Check Eligibility for Tax Credits: If your restaurant has fewer than 25 FTEs and average wages under $60,000, ensure you explore the SHOP Marketplace to qualify for the Small Business Health Care Tax Credit.
Compare Plan Details: Look beyond just premiums. Compare deductibles, out-of-pocket maximums, copayments, and the provider networks for each plan.
Consult a Licensed Agent: A local licensed health insurance producer can provide invaluable assistance. They can help you compare plans from all available carriers, understand the nuances of the SHOP Marketplace, and guide you through the enrollment process, all at no cost to you.

Centerville, Utah, is a distinct community within Davis County, which boasts a median income of $110,884 and a population of 370,924, per U.S. Census Bureau ACS 2024 5-year estimates. This local context, combined with the four confirmed carriers in Rating Area 3, means specific, tailored options are available for small businesses like restaurants looking to provide health benefits.

Frequently Asked Questions

Can a small restaurant in Centerville offer health insurance to employees?

Yes, small restaurants in Centerville can offer health insurance through the ACA's Small Business Health Options Program (SHOP) Marketplace, directly from carriers, or via private brokers. Eligibility for SHOP requires having 1-50 full-time equivalent employees, and you must contribute at least 50% towards employee premiums.

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

In Centerville, 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 provide comprehensive coverage, and some businesses may qualify for the Small Business Health Care Tax Credit.

How much does small business health insurance cost in Centerville?

The cost of small business health insurance in Centerville varies based on the plan type, coverage level, employee demographics, and the carrier chosen. Employers are typically required to contribute at least 50% of the employee's premium. For example, a Bronze plan might have lower premiums but higher out-of-pocket costs compared to a Gold plan.

What is the Small Business Health Care Tax Credit in Utah?

The Small Business Health Care Tax Credit helps eligible small employers cover the cost of providing health insurance. To qualify, you must have fewer than 25 full-time equivalent employees, pay average wages of less than $60,000 per year, and contribute at least 50% of your employees' premium costs. The credit can be worth up to 50% of your contributions.