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

Small Business Health Insurance for Roofing Companies in Clearfield, Utah

Small businesses in Clearfield, Utah with 1-50 employees can use HealthCare.gov's SHOP Marketplace to find plans.
In 2026, four carriers offer marketplace plans in Clearfield's Rating Area 3, including Select Health and Regence BlueCross BlueShield of Utah.
Qualified small businesses may be eligible for the Small Business Health Care Tax Credit, potentially covering up to 50% of employer premium contributions.
Utah's marketplace offers Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans; PPO options are not available on-exchange.
Clearfield, a city with a population of 33,523, has an uninsured rate of 9.6% per U.S. Census Bureau ACS 2024 5-year estimates.

Navigating health insurance options for your roofing company in Clearfield, Utah, requires understanding both federal regulations and local plan availability. Small businesses, including those in the roofing industry, have specific pathways to provide health coverage to their employees, often with potential tax advantages. For 2026, Clearfield businesses can utilize the federal HealthCare.gov Small Business Health Options Program (SHOP) Marketplace to compare and enroll in plans designed for small employers. This guide outlines the key considerations, available plan types, and local carriers to help you make informed decisions about your company's health benefits.

Get Your Free Health Insurance Quote

A licensed agent can compare coverage options for you at no cost.

✓

You're all set!

A licensed agent will reach out shortly.

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

Small businesses in Clearfield have several avenues for securing health insurance for their employees. The primary route for many is the Small Business Health Options Program (SHOP) Marketplace, part of HealthCare.gov. This platform allows employers with 1 to 50 full-time equivalent (FTE) employees to offer comprehensive health and dental coverage.

Understanding SHOP Marketplace Plans

The SHOP Marketplace simplifies the process by allowing you to:

Compare Plans: View various plan options from different carriers available in Clearfield's Rating Area 3.
Choose Contribution Levels: Decide how much you will contribute to employee premiums.
Offer Employee Choice: You can choose to offer a single plan, or allow employees to select from a range of plans within a specific metal tier (e.g., all Silver plans).
Qualify for Tax Credits: Eligible businesses may receive the Small Business Health Care Tax Credit, which can cover a significant portion of employer contributions.

To participate in SHOP, you generally need to have at least one employee (other than yourself, a spouse, or a dependent) and fewer than 50 FTEs. You'll also need to meet minimum participation rates, typically requiring 70% of eligible employees to enroll, unless it's during a special employer-specific open enrollment period.

Off-Marketplace Options

While the SHOP Marketplace offers tax credit eligibility and a structured comparison tool, some small businesses may explore off-marketplace plans directly through a carrier or a broker. These plans might offer different network structures or benefits, but they do not qualify for the Small Business Health Care Tax Credit. It is crucial to weigh the potential cost savings of a tax credit against any perceived benefits of an off-marketplace plan.

Small Business Health Care Tax Credit for Clearfield Employers

The Small Business Health Care Tax Credit is a significant incentive for eligible small employers in Clearfield to offer health insurance. This credit can help offset the cost of premiums, making coverage more affordable.

Eligibility Requirements

To qualify for the tax credit, your roofing company must meet specific criteria:

FTEs: You must have fewer than 25 full-time equivalent employees.
Average Wages: Your average annual employee wages must be below a certain threshold (approximately $64,000 for 2024, subject to change for 2026).
Premium Contributions: You must pay at least 50% of your employees' premium costs.
SHOP Enrollment: You must purchase your health insurance plan through the SHOP Marketplace.

The maximum credit is 50% of the employer's contribution toward employee premiums for small businesses and 35% for tax-exempt organizations. The credit is available for two consecutive tax years. This can result in substantial savings for businesses meeting the criteria.

Understanding Plan Types Available in Clearfield, Utah

When selecting a small business health plan in Clearfield, it is important to understand the types of network structures available through HealthCare.gov. In Utah, marketplace shoppers choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans. PPO plans are not available on-exchange in Utah.

Health Maintenance Organization (HMO): HMO plans typically have lower premiums and require you to choose a primary care provider (PCP) within the plan's network. Your PCP coordinates all your care and provides referrals to specialists. Care received outside the network is generally not covered, except in emergencies.
Exclusive Provider Organization (EPO): EPO plans offer a network of doctors and hospitals, similar to an HMO, but usually do not require a PCP referral to see a specialist. However, like HMOs, EPOs typically do not cover out-of-network care, except in emergencies.

Consider the balance between cost, network flexibility, and the need for referrals when choosing between these plan types for your roofing company's employees.

Health Insurance Carriers in Clearfield

For 2026, Clearfield, Utah, falls within Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. In this rating area, four carriers offer marketplace plans. These carriers provide a range of HMO and EPO options for small businesses and individuals. The confirmed carriers offering plans in Clearfield's Rating Area 3 for 2026 are:

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

These carriers offer various plans across different metal tiers (Bronze, Silver, Gold), allowing your business to choose the level of coverage and cost-sharing that best suits your employees' needs and your budget. For instance, Select Health is a prominent Utah-based insurer, while Regence BlueCross BlueShield of Utah is part of a larger national network. Clearfield, with a population of 33,523, benefits from a diverse range of healthcare facilities within Davis County. Davis County, which has a population of 370,924, is home to four acute care hospitals, including Holy Cross Hospital-davis in Layton and Lakeview Hospital in Bountiful. These facilities, along with others such as Intermountain Health Layton Hospital, provide essential services to residents of Rating Area 3, which has an uninsured rate of 9.6% in Clearfield per U.S. Census Bureau ACS 2024 5-year estimates.

Making the Right Decision for Your Roofing Company

Choosing the right health insurance plan for your roofing company in Clearfield involves evaluating several factors, including your budget, employee demographics, and the desired level of coverage and network access.

Consideration	Bronze Plans	Silver Plans	Gold Plans
Monthly Premiums	Lowest	Moderate	Highest
Deductibles/Out-of-Pocket Max	Highest	Moderate	Lowest
Ideal For	Healthy employees, budget-conscious, use health services infrequently	Good balance of premiums and cost-sharing, common choice	Employees who anticipate frequent medical care, lower out-of-pocket costs
SHOP Tax Credit Impact	Can make very affordable	Significant savings	Reduces high premiums

Next Steps for Clearfield Businesses

Assess Your Needs: Determine how many FTEs you have and what your budget is for employer contributions.
Explore the SHOP Marketplace: Visit HealthCare.gov to use their SHOP tool to compare plans and estimate costs for your business in Rating Area 3.
Check Tax Credit Eligibility: Use the IRS resources or consult a tax professional to confirm if your roofing company qualifies for the Small Business Health Care Tax Credit.
Consult a Licensed Producer: A licensed health insurance producer specializing in small business plans can provide personalized guidance, help you compare the four local carriers, and navigate the enrollment process for plans from BridgeSpan Health Company, Regence BlueCross BlueShield of Utah, Select Health, or University of Utah Health Plans. Their services are typically free to you.

By taking these steps, your roofing company can confidently choose a health insurance plan that provides valuable benefits to your employees while managing costs effectively.

Frequently Asked Questions

What are the minimum participation requirements for small business health insurance in Clearfield?

To qualify for a Small Business Health Options Program (SHOP) plan through HealthCare.gov, you generally need to have at least one but no more than 50 full-time equivalent employees. At least 70% of your eligible employees must enroll in the plan, or 100% if enrolling during an open enrollment period specific to your group.

Can my roofing company in Clearfield qualify for tax credits to help with health insurance costs?

Yes, small businesses with fewer than 25 full-time equivalent employees (FTEs) that pay average annual wages below approximately $64,000 (for 2024, adjust for 2026) may qualify for the Small Business Health Care Tax Credit. You must purchase coverage through a SHOP Marketplace plan to be eligible for this credit, which can cover up to 50% of your contribution to employee premiums.

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

In Clearfield, which is part of Utah Rating Area 3, small businesses can find Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans on HealthCare.gov. PPO plans are not available on-exchange in Utah. These plans offer varying levels of network flexibility and cost structures for your employees.

How do I choose the best health insurance plan for my roofing employees?

Consider your employees' needs, your budget, and the desired level of network access. Bronze plans offer lower premiums with higher out-of-pocket costs, while Silver and Gold plans balance premiums with lower deductibles and copays. An experienced, licensed health insurance producer can help you compare options and navigate the SHOP Marketplace to find a plan that fits your business.