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

Small Business Roofing Health Insurance in Centerville, Utah

Small business owners in Centerville can access subsidies on HealthCare.gov for individual plans if income-eligible, with savings up to $9,600 per year for a family of four.
Utah expanded Medicaid in 2020, covering adults with incomes up to 138% of the Federal Poverty Level, which is $20,782 for a single person in 2024.
In 2026, four carriers — BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans — offer marketplace plans in Centerville's Rating Area 3.
Small businesses with W-2 employees may qualify for the Small Business Health Care Tax Credit, covering up to 50% of premium contributions through the SHOP Marketplace.

Navigating health insurance options for your roofing small business in Centerville, Utah, involves understanding both individual and group plan possibilities. If you're a sole proprietor or have a small team, you can explore comprehensive, Affordable Care Act (ACA) compliant plans through HealthCare.gov. These plans may offer significant financial assistance, known as premium tax credits, which can reduce your monthly premiums based on your household income and size. For those with W-2 employees, the Small Business Health Options Program (SHOP) Marketplace, also accessible via HealthCare.gov, provides group plan options, potentially with tax credits for eligible small employers.

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What Health Insurance Options Are Available for Centerville Roofing Businesses?

Small business owners in the roofing industry in Centerville have several avenues for securing health coverage, depending on their business structure and employee count.

Individual Marketplace Plans (HealthCare.gov): For sole proprietors, independent contractors, or small businesses whose employees prefer to choose their own plans, the individual marketplace is a primary option. These plans are ACA-compliant, meaning they cover essential health benefits and cannot deny coverage for pre-existing conditions. Many Centerville residents qualify for premium tax credits and cost-sharing reductions, which can substantially lower out-of-pocket expenses.
Small Business Health Options Program (SHOP): If your roofing business has W-2 employees, you might consider offering coverage through the SHOP Marketplace. This program is designed to simplify offering health and dental insurance to employees. Eligible small employers (typically with fewer than 50 full-time equivalent employees) can use SHOP to find plans and potentially qualify for the Small Business Health Care Tax Credit.
Utah Medicaid: For individuals and families with lower incomes, Utah has expanded its Medicaid program. Adults with incomes up to 138% of the Federal Poverty Level may qualify for comprehensive, low-cost or no-cost coverage. This is a crucial safety net for many small business owners and their employees who might be experiencing fluctuating income. Pregnant women in Utah can qualify for Medicaid with incomes up to 144% FPL, and children through CHIP up to 200% FPL. You can apply for Utah Medicaid through medicaid.utah.gov.
Off-Marketplace Plans: You can also purchase health insurance directly from carriers or through a broker outside of HealthCare.gov. While these plans are still ACA-compliant, they do not qualify for premium tax credits or cost-sharing reductions.

Understanding Marketplace Plans and Subsidies in Centerville

Centerville, Utah, falls within Utah Rating Area 3, which also covers Salt Lake, Summit, Tooele, and Wasatch counties. This means plan availability and pricing are consistent across these five counties. When shopping on HealthCare.gov, you'll encounter plans categorized by "metal tiers": Bronze, Silver, Gold, and Platinum.

Metal Tier	Key Characteristics	Best For
Bronze	Lowest monthly premiums, highest deductibles and out-of-pocket maximums. Covers 60% of costs on average.	Healthy individuals who want protection from catastrophic costs and rarely visit the doctor.
Silver	Moderate premiums, moderate deductibles. Covers 70% of costs on average. Eligible for Cost-Sharing Reductions (CSRs) if income-qualified.	Individuals and families with average healthcare needs, or those who qualify for CSRs to significantly lower out-of-pocket costs.
Gold	Higher monthly premiums, lower deductibles and out-of-pocket maximums. Covers 80% of costs on average.	Individuals with chronic conditions or those who expect to use medical services frequently and prefer predictable costs.

Premium tax credits are available to individuals and families with incomes between 100% and 400% of the Federal Poverty Level (FPL), though temporary enhancements currently allow more people to qualify. These credits can be applied directly to your monthly premiums, reducing your out-of-pocket cost. Cost-sharing reductions are unique to Silver plans and further lower your deductibles, copayments, and out-of-pocket maximums if your income is below 250% FPL.

Health Insurance Carriers in Centerville

In 2026, four carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties. These carriers provide a range of 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. The confirmed carriers for Centerville's rating area are:

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

When choosing a plan, consider which carrier networks include your preferred doctors and hospitals. Centerville, with a population of 16,679 per U.S. Census Bureau ACS 2024 5-year estimates, is part of Davis County, which has 4 acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. Davis County serves a population of 370,924 with an uninsured rate of 5.7%.

Making the Right Choice for Your Roofing Business

Deciding on the best health insurance for your Centerville roofing business depends on several factors, including your income, whether you have W-2 employees, and your healthcare needs.

If you are a sole proprietor or independent contractor:
- Under 138% FPL: Apply for Utah Medicaid at medicaid.utah.gov.
- 100%–400% FPL (or higher with current enhancements): Explore individual plans on HealthCare.gov to qualify for premium tax credits. Consider Silver plans for potential Cost-Sharing Reductions.
- Over 400% FPL: Compare plans on HealthCare.gov or directly with carriers.
If you have W-2 employees:
- Fewer than 50 employees: Investigate SHOP plans on HealthCare.gov. You might qualify for the Small Business Health Care Tax Credit.
- 50 or more employees: You are generally subject to the employer mandate under the ACA and should consult with a broker to explore group health plan options.

Centerville, Utah, has a median income of $123,130 and an uninsured rate of 4.5% per U.S. Census Bureau ACS 2024 5-year estimates, indicating a relatively well-insured community. However, specific individual circumstances for roofing contractors can vary significantly. A licensed health insurance producer can provide free, personalized guidance to help you navigate these options and find the most suitable coverage for your small business.

Frequently Asked Questions

What are the health insurance options for small business roofing companies in Centerville?

Small business roofing companies in Centerville can explore individual marketplace plans through HealthCare.gov, which may offer subsidies based on income. Other options include Small Business Health Options Program (SHOP) plans if you have W-2 employees, or short-term plans for temporary coverage. Utah Medicaid is also available for those who meet income thresholds, which for adults is up to 138% of the Federal Poverty Level.

Can I get a tax credit for small business health insurance in Centerville?

Yes, if your small business has fewer than 25 full-time equivalent employees, pays an average wage of less than $58,000 (adjusted annually), and contributes at least 50% of the employees' premium costs, you may qualify for the Small Business Health Care Tax Credit. This credit can cover up to 50% of your contributions to employee premiums, or 35% for tax-exempt organizations. You must purchase coverage through the SHOP Marketplace to be eligible.

What types of health plans are available on the marketplace in Centerville, Utah?

In Centerville, which is part of Utah Rating Area 3, marketplace shoppers will find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah. These plans are offered by carriers such as BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, and University of Utah Health Plans.

How does Utah's Medicaid expansion affect small business owners?

Utah expanded Medicaid in 2020, meaning adults with incomes up to 138% of the Federal Poverty Level (FPL) can qualify for coverage. This is beneficial for small business owners and their employees who may have fluctuating incomes or lower earnings, providing a crucial safety net for healthcare access without the high costs of private insurance. For example, a single adult earning up to $20,782 in 2024 FPL terms would be eligible.