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

Small Business Restaurant Health Insurance in Murray, Utah

Small businesses in Murray, Utah, can access Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov.
In 2026, 5 carriers offer marketplace plans in Rating Area 3, which includes Murray and Salt Lake County.
The average uninsured rate in Murray is 7.1%, per U.S. Census Bureau ACS 2024 5-year estimates.
Utah expanded Medicaid in 2020, covering adults up to 138% of the Federal Poverty Level (FPL).
The Small Business Health Care Tax Credit can cover up to 50% of premium costs for qualifying small employers.

Navigating health insurance options for your restaurant staff in Murray, Utah, requires understanding local plan availability and eligibility rules. In Murray, located in Salt Lake County, small businesses like restaurants primarily select from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the federal marketplace in Utah. This guide details your options, potential costs, and how to secure coverage for your team in 2026.

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What Health Insurance Options Are Available for Murray Restaurants?

For small businesses in Murray, Utah, including restaurants, the primary avenues for health insurance are through the Small Business Health Options Program (SHOP) Marketplace or directly from private insurers. In Utah, the federal marketplace, HealthCare.gov, facilitates these options. Unlike some states, Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans, common in other states, are not available on-exchange in Utah. HMO plans generally require you to choose a primary care provider (PCP) within the network and get referrals for specialists. EPO plans offer more flexibility in choosing specialists without a referral, but still require you to stay within their network for covered services. Understanding the network structure is crucial for your employees, especially given Murray's access to major facilities like Intermountain Medical Center.

Understanding Costs and Subsidies for Small Business Coverage

The cost of health insurance for your restaurant in Murray will depend on several factors, including the plan type, the metal tier (Bronze, Silver, Gold, Platinum), the age of your employees, and the carrier you choose. While individual subsidies are available to employees based on their income, small businesses may qualify for the Small Business Health Care Tax Credit. To qualify for the Small Business Health Care Tax Credit, your restaurant must:

Have fewer than 25 full-time equivalent (FTE) employees.
Pay average annual wages of less than $60,000 per FTE.
Cover at least 50% of your employees' premium costs.
Offer coverage through the SHOP Marketplace or a state-approved plan.

This credit can cover up to 50% of your contribution to employee premiums, significantly reducing your overall cost. It's designed to make offering health insurance more affordable for smaller employers. The median income in Murray is $90,746, per U.S. Census Bureau ACS 2024 5-year estimates, indicating that many employees may benefit from employer-sponsored plans.

Exploring Health Insurance Carriers in Murray, Utah

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties, including Murray. It is important to compare the network coverage, plan types, and costs from each of these providers to find the best fit for your restaurant and its employees. The confirmed carriers for Murray and Rating Area 3 are:

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

These carriers provide a range of HMO and EPO plans. When evaluating options, consider the specific needs of your staff, including preferred doctors and access to local hospitals in Salt Lake County such as Intermountain Medical Center in Murray, Holy Cross Hospital - Salt Lake, or University of Utah Hospital and Clinics in Salt Lake City.

How to Choose the Right Plan for Your Restaurant Staff

Choosing the ideal health insurance plan involves balancing cost, network access, and benefits. For restaurant owners in Murray, Utah, considering both your budget and your employees' healthcare needs is paramount.

Plan Tier	Typical Coverage Level	Best For
Bronze	Covers 60% of costs (after deductible)	Younger, healthier employees seeking low premiums and emergency coverage.
Silver	Covers 70% of costs (after deductible); includes Cost-Sharing Reductions for eligible incomes	Employees with moderate healthcare needs; those eligible for extra savings.
Gold	Covers 80% of costs (after deductible)	Employees with regular medical needs or who prefer lower out-of-pocket costs when accessing care.

For employees with lower incomes, Silver plans can be particularly valuable due to Cost-Sharing Reductions (CSRs), which lower deductibles, copayments, and out-of-pocket maximums. Utah expanded Medicaid in 2020, meaning adults with income up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, offering comprehensive coverage at no or very low cost. The uninsured rate in Murray is 7.1%, per U.S. Census Bureau ACS 2024 5-year estimates, highlighting the need for accessible coverage options. The Murray area, part of Salt Lake County, serves a population of 50,188 with a median income of $90,746. This vibrant community relies on a robust healthcare infrastructure, including Intermountain Medical Center, a major acute care hospital located directly in Murray. Considering the diverse needs of your restaurant's workforce, including access to these local facilities, is essential when selecting a plan.

Frequently Asked Questions

What types of health insurance plans are available for restaurants in Murray, Utah?

In Murray, Utah, small businesses like restaurants can choose from Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans through HealthCare.gov. PPO plans are not available on the federal marketplace in Utah. These plans are offered by 5 confirmed carriers in Rating Area 3, which covers Salt Lake County.

Can I get a tax credit for my restaurant's health insurance in Murray?

The Small Business Health Care Tax Credit may be available to restaurants in Murray that cover at least 50% of their employees' premium costs and have fewer than 25 full-time equivalent employees. Eligibility also depends on average employee wages and purchasing coverage through the SHOP Marketplace or a qualifying plan.

What are the income thresholds for Medicaid in Utah?

Utah expanded Medicaid in 2020. Adults in Utah with incomes 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 under CHIP, it is 200% FPL. Enrollment is through medicaid.utah.gov.

How do I choose between HMO and EPO plans for my restaurant?

HMO plans typically require employees to choose a primary care provider (PCP) within the network and get referrals for specialists. EPO plans offer more flexibility to see specialists without a referral, but still require care within the plan's network. Consider your employees' preferences for flexibility versus lower premiums when making your decision.