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

Small Business Health Insurance for Roofing Contractors in Murray, Utah

Small roofing businesses in Murray, Utah, can choose between traditional group plans, the SHOP marketplace, or supporting employees in individual ACA plans.
In 2026, 5 carriers offer HealthCare.gov marketplace plans in Rating Area 3, which includes Murray.
Businesses with fewer than 25 employees may qualify for the Small Business Health Care Tax Credit, covering up to 50% of premium costs.
Utah's expanded Medicaid covers adults up to 138% FPL, offering an option for lower-wage employees who may not be covered by an employer plan.

For small business roofing contractors in Murray, Utah, securing reliable health insurance for your team is a critical decision that impacts employee retention, financial stability, and overall business health. The options range from traditional group policies to leveraging the individual marketplace, each with distinct advantages and considerations regarding cost, coverage, and administrative burden. Understanding the local market, including available carriers and plan types, is essential to making an informed choice that best supports your employees working in a demanding industry.

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What Health Insurance Options Are Available for Murray Roofing Businesses?

Small business owners in the roofing industry in Murray have several pathways to providing health insurance, depending on their business size, budget, and employee needs.

Traditional Group Health Plans: These are plans purchased directly from an insurance carrier or through a broker. They typically require a minimum number of participating employees and often involve the employer contributing a significant portion of the premium. Group plans can offer robust benefits and a sense of stability for employees.
Small Business Health Options Program (SHOP) Marketplace: HealthCare.gov offers the SHOP marketplace for small employers (generally those with 1-50 employees). SHOP plans allow businesses to offer employees a choice of plans and may make the business eligible for the Small Business Health Care Tax Credit.
Individual ACA Marketplace Plans: Instead of offering a group plan, some small businesses opt to encourage employees to purchase individual plans through HealthCare.gov. In Utah, many employees may qualify for premium tax credits based on their household income, making these plans more affordable. Businesses might offer a stipend to help employees with premium costs, though this must be structured carefully to comply with HRA rules.
Health Reimbursement Arrangements (HRAs): HRAs allow employers to reimburse employees for medical expenses, including individual health insurance premiums, on a tax-free basis. Options like Qualified Small Employer HRAs (QSEHRAs) and Individual Coverage HRAs (ICHRAs) can provide flexibility.

Considering the physical demands and potential risks associated with roofing work, access to comprehensive medical care, including emergency services and specialist care, is often a high priority for employees.

Understanding Plan Types and Networks in Utah

When evaluating health insurance options in Murray, it's important to understand the types of plans available. In Utah, the HealthCare.gov marketplace primarily offers two main network structures:

Health Maintenance Organization (HMO) Plans: HMOs typically require you to choose a primary care provider (PCP) within the plan's network. Your PCP then refers you to specialists as needed. HMOs often have lower monthly premiums and out-of-pocket costs but offer less flexibility in choosing providers outside the network.
Exclusive Provider Organization (EPO) Plans: EPOs offer a network of doctors and hospitals, but you are not required to select a PCP or get referrals to see specialists. However, EPOs generally do not cover care received outside their network, except in emergencies.

It is important to note that PPO plans are NOT available on-exchange in Utah. For small businesses and individuals shopping on HealthCare.gov, the choice will be between HMO and EPO network structures. PPO plans may be available off-marketplace, but these plans do not qualify for premium tax credits.

Murray's Intermountain Medical Center, a major acute care hospital, is part of the Intermountain Health system, which contracts with various carriers. Ensuring your chosen plan includes access to key local providers and health systems within Salt Lake County, such as the University of Utah Hospital and Clinics or St Mark's Hospital in Salt Lake City, is crucial for employee satisfaction and access to care.

Estimated Monthly Premiums for a 40-Year-Old in Murray, UT (2026)
Plan Metal Tier	Typical Deductible Range	Estimated Monthly Premium (Individual)	Key Benefit
Bronze	$7,000 - $9,000+	$350 - $450	Lowest premium, high deductible, good for catastrophic coverage.
Silver	$3,000 - $6,000	$450 - $600	Moderate premium, better cost-sharing, eligible for CSRs.
Gold	$0 - $2,000	$550 - $750	Highest premium, low deductible, comprehensive coverage.
These are estimates; actual premiums vary by age, specific plan, and subsidies.

Health Insurance Carriers in Murray

In 2026, 5 carriers offer marketplace plans in Rating Area 3, which covers Davis, Salt Lake, Summit, Tooele, and Wasatch counties. For small businesses in Murray, these are the primary carriers to consider for group or individual ACA plans:

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

When exploring options, it's advisable to compare plans from these carriers to find the best balance of network, benefits, and cost for your roofing business. Many of these carriers have extensive networks that include major facilities like Intermountain Medical Center in Murray and the University of Utah Hospital and Clinics in Salt Lake City.

Navigating Subsidies and Tax Credits for Small Businesses

Understanding potential financial assistance is key for Murray roofing contractors.

Salt Lake County, with a population of 1,196,523 and an uninsured rate of 9.2% per U.S. Census Bureau ACS 2024 5-year estimates, is part of Utah Rating Area 3. This area is served by major health systems like Intermountain Health, which operates Intermountain Medical Center directly within Murray. For small businesses, particularly those in industries like roofing, managing health benefit costs is crucial. The median income in Murray is $90,746, and the uninsured rate is 7.1%, suggesting that many residents rely on employer-sponsored or individual marketplace coverage.

Small Business Health Care Tax Credit: If your roofing business has fewer than 25 full-time equivalent employees, pays average annual wages below a certain threshold (around $58,000 for 2026, adjusted annually), and contributes at least 50% of your employees' premium costs, you may qualify for this tax credit. This credit can cover up to 50% of the premiums you pay, significantly reducing your cost. You must purchase coverage through the SHOP marketplace to be eligible.

Premium Tax Credits (for Individual Plans): If you do not offer a group plan, your employees may be eligible for premium tax credits to lower their monthly premiums on HealthCare.gov. Eligibility is based on household income relative to the Federal Poverty Level (FPL). For Utah, subsidies begin at 100% FPL, and individuals up to 400% FPL may qualify for significant assistance.

Utah Medicaid Expansion: Utah expanded Medicaid in 2020. This means adults with incomes up to 138% of the FPL may qualify for Utah Medicaid. For lower-wage employees in your roofing business, this can provide a vital safety net, ensuring they have access to comprehensive health coverage at no cost. Pregnant women qualify up to 144% FPL and children up to 200% FPL for CHIP.

Frequently Asked Questions

What are the health insurance options for a small roofing business in Murray?

Small roofing businesses in Murray, Utah, can explore several health insurance options, including traditional group health plans, the Small Business Health Options Program (SHOP) marketplace, or individual ACA plans with potential subsidies for employees. Factors like the number of employees, budget, and desired network access will influence the best choice.

Can roofing contractors in Murray get tax credits for health insurance?

Yes, small businesses, including roofing contractors in Murray, may qualify for the Small Business Health Care Tax Credit if they have fewer than 25 full-time equivalent employees, pay average annual wages below a certain threshold (adjusted annually), and contribute at least 50% of their employees' premium costs. Employees enrolling in individual ACA plans may also qualify for premium tax credits based on household income.

Are PPO plans available for small businesses on the HealthCare.gov marketplace in Utah?

No, PPO plans are not available on-exchange in Utah. Small businesses and individuals shopping on HealthCare.gov in Utah will find plans with HMO and EPO network structures. PPOs may be available off-marketplace, but these plans are not eligible for premium tax credits or other ACA subsidies.

How does Medicaid expansion in Utah affect health insurance for small business employees?

Utah expanded Medicaid in 2020, meaning adults with incomes up to 138% of the Federal Poverty Level may qualify for Utah Medicaid. This provides a safety net for lower-wage employees who might not otherwise afford coverage, potentially reducing the burden on small businesses to provide full employer-sponsored plans for all staff.