Can I get health insurance for my small roofing business employees in Clinton, Utah?

Yes, small businesses in Clinton, Utah, including roofing companies, have several options for providing health insurance to their employees. These include the Small Business Health Options Program (SHOP) through HealthCare.gov, direct plans from carriers, or individual marketplace plans with subsidies for employees.

What are the income limits for subsidies on HealthCare.gov in Utah?

For 2026, individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL) typically qualify for premium tax credits through HealthCare.gov. For a single individual, this means incomes up to approximately $60,240, with higher thresholds for larger families. Enhanced subsidies are available for those with incomes between 100-150% FPL.

Are PPO plans available on the Utah health insurance marketplace?

No, PPO plans are not available on the Utah health insurance marketplace (HealthCare.gov). Marketplace shoppers in Clinton, Utah, will choose between HMO and EPO network structures. PPO plans may be available off-marketplace, but typically without subsidy eligibility.

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

Small Business Health Insurance for Roofing Companies in Clinton, Utah

Q: Does Utah have expanded Medicaid for small business owners?

Yes, Utah expanded Medicaid in 2020. Adults, including small business owners, with household incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid, providing comprehensive, low-cost health coverage.

Small business owners in Clinton, Utah, can access subsidized plans through HealthCare.gov for individuals or SHOP for groups.
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, Wasatch counties.
Utah expanded Medicaid in 2020, allowing adults with incomes up to 138% of the Federal Poverty Level to qualify.
Individual marketplace plans for employees offer HMO and EPO network types; PPO plans are not available on-exchange in Utah.

Finding suitable health insurance for your roofing small business and its employees in Clinton, Utah, involves navigating a range of options, from the federal marketplace to private plans. Whether you're a sole proprietor, have a few employees, or are looking to expand your team, understanding the local landscape is key. Options include individual plans with subsidies through HealthCare.gov, the Small Business Health Options Program (SHOP), or direct plans from carriers. Clinton, located in Davis County, is part of Utah Rating Area 3, which influences the specific plans and carriers available to you and your team.

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What Are the Health Insurance Options for Small Roofing Businesses in Clinton?

Small roofing businesses in Clinton, Utah, have several pathways to securing health insurance, each with distinct advantages depending on your business size, budget, and employee needs.

Individual Marketplace Plans with Subsidies: For many small business owners and their employees, individual plans purchased through HealthCare.gov offer the most flexible and often most affordable option. Individuals and families with household incomes between 100% and 400% of the Federal Poverty Level (FPL) can qualify for significant premium tax credits, which directly reduce monthly premiums. In Utah, marketplace plans are available as Health Maintenance Organizations (HMOs) and Exclusive Provider Organizations (EPOs); PPO plans are not offered on-exchange.

Small Business Health Options Program (SHOP): The SHOP marketplace, also accessed through HealthCare.gov, is designed for businesses with 1 to 50 employees. SHOP plans allow you to offer coverage to your employees and may qualify you for the Small Business Health Care Tax Credit, which can cover up to 50% of your premium contributions. To be eligible, you must have at least one employee (who isn't a spouse) and offer coverage to all full-time employees.

Direct Plans from Carriers: You can also purchase group health insurance directly from carriers outside of the marketplace. These plans may offer different network options or benefits not available on HealthCare.gov, but they typically do not qualify for premium tax credits. For small businesses in Clinton, comparing these direct offerings with marketplace options is important to find the best fit.

Understanding Subsidies and Medicaid in Utah

Utah's health insurance landscape includes robust support systems to make coverage more affordable.

Premium Tax Credits and Cost-Sharing Reductions

If you or your employees purchase individual plans through HealthCare.gov, you may be eligible for financial assistance:

Premium Tax Credits (PTC): These subsidies lower your monthly insurance premiums. Eligibility is based on household income relative to the Federal Poverty Level (FPL). For 2026, individuals and families earning between 100% and 400% FPL can qualify.
Cost-Sharing Reductions (CSR): Available only with Silver-tier plans, CSRs reduce your out-of-pocket costs like deductibles, copayments, and coinsurance. You must have an income between 100% and 250% FPL to qualify.

Utah Medicaid Expansion

Utah expanded its Medicaid program in 2020, significantly increasing access to coverage. Adults, including small business owners and their employees, with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. This program provides comprehensive health benefits at little to no cost. For pregnant women, the income threshold is even higher, at 144% FPL, and children up to 200% FPL can qualify for Utah CHIP. You can apply for Utah Medicaid through medicaid.utah.gov.

Health Insurance Plan Types in Clinton, Utah

When selecting a health plan in Clinton, Utah, you'll primarily encounter two network types on HealthCare.gov:

Health Maintenance Organization (HMO): These plans typically require you to choose a primary care provider (PCP) within the network and get referrals from your PCP to see specialists. HMOs often have lower premiums and out-of-pocket costs.
Exclusive Provider Organization (EPO): EPO plans offer a network of doctors and hospitals, but generally do not require a PCP referral to see a specialist. However, they typically do not cover care received outside the network, except in emergencies.

It's important to note that PPO (Preferred Provider Organization) plans are not available on the Utah health insurance marketplace. If a PPO plan is essential for your small business, you would need to explore options directly with carriers outside of HealthCare.gov, which typically means foregoing subsidy eligibility.

Health Insurance Carriers in Clinton

For 2026, 4 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. These carriers provide a range of HMO and EPO plans for individuals and small groups:

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

When comparing plans, evaluate the networks of each carrier to ensure your preferred doctors and local hospitals, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are included. Davis County, home to Clinton, has a population of 370,924 with an uninsured rate of 5.7% per U.S. Census Bureau ACS 2024 5-year estimates. The four acute care hospitals in Davis County are Holy Cross Hospital-davis, Lakeview Hospital, Intermountain Health Layton Hospital, and Western Peaks Specialty Hospital.

Making the Right Decision for Your Roofing Business

Choosing the best health insurance for your roofing small business in Clinton, Utah, depends on your unique circumstances:

For Sole Proprietors or Very Small Teams (1-2 employees): Individual marketplace plans are often the most cost-effective, especially if you or your employees qualify for significant premium tax credits based on income.
For Small Businesses with 2-50 Employees: The SHOP marketplace or direct group plans may offer more comprehensive benefits and the potential for the Small Business Health Care Tax Credit.
Consider Employee Needs: Assess whether your employees prioritize lower premiums, specific doctors, or particular benefits. An agent can help you survey your team's needs.
Budget: Determine how much your business can realistically contribute to premiums and out-of-pocket costs.

A licensed health insurance agent can provide personalized guidance, helping you compare plans, understand subsidy eligibility, and enroll in coverage that meets the specific needs of your roofing company and its workforce. This service is typically free to you.

Frequently Asked Questions

Can I deduct health insurance premiums for my small business?

Yes, if you are a self-employed individual or a small business owner, you may be able to deduct health insurance premiums. This includes premiums for yourself, your spouse, and your dependents. For S-Corp owners, there are specific rules for deducting premiums paid for owner-employees. Consult with a tax professional for advice tailored to your business structure.

What is the Small Business Health Care Tax Credit?

The Small Business Health Care Tax Credit helps eligible small employers (fewer than 25 full-time equivalent employees) afford health insurance for their employees. To qualify, you must pay at least 50% of your employees' premium costs and purchase coverage through the SHOP marketplace. The maximum credit is 50% of premiums paid for small businesses and 35% for tax-exempt organizations.

Do I need to offer health insurance if I only have a few employees?

No, in Utah, small businesses with fewer than 50 full-time equivalent employees are not mandated by federal law to offer health insurance. However, providing health insurance can be a significant benefit for employee recruitment and retention, especially in industries like roofing where physical demands are high.

How do I enroll in a health insurance plan for my business in Clinton?

You can enroll through HealthCare.gov, either for individual plans or through the SHOP marketplace for group plans. Alternatively, you can work directly with a licensed health insurance agent who can help you compare both marketplace and off-marketplace options, guide you through the application process, and ensure you meet all eligibility requirements.