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

Small business owners in Centerville, including those in the salon and barbershop industry, can access health insurance through the federal marketplace (HealthCare.gov) if they are self-employed or have fewer than 50 employees. They may also explore private off-exchange plans or, for businesses with 1-50 employees, the Small Business Health Options Program (SHOP) marketplace.

Can salon and barbershop employees in Centerville get subsidies for health insurance?

Yes, employees of Centerville salons and barbershops may qualify for Advance Premium Tax Credits (subsidies) through HealthCare.gov if their household income falls between 100% and 400% of the Federal Poverty Level (FPL) and they don't have access to affordable, minimum value employer-sponsored coverage. For 2026, a Centerville individual earning $60,000 would likely qualify for significant premium assistance.

Are PPO plans available on the Centerville health insurance marketplace?

No, PPO plans are not available on the HealthCare.gov marketplace in Centerville, Utah. Shoppers in Rating Area 3 will choose between Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans, which typically require you to use a network of doctors and hospitals for covered services.

What is the income limit for Utah Medicaid in Centerville?

In Centerville, Utah, adults with household incomes up to 138% of the Federal Poverty Level (FPL) may qualify for Utah Medicaid. For pregnant women, the income threshold is slightly higher, up to 144% FPL, and for children via CHIP, it extends up to 200% FPL.

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

Small Business Health Insurance for Salons & Barbershops in Centerville, Utah

Centerville salon and barbershop owners can access individual or small group health plans through HealthCare.gov.
In 2026, 4 carriers offer marketplace plans in Rating Area 3, which includes Centerville, providing HMO and EPO options.
Individuals with income between 100% and 400% FPL often qualify for Advance Premium Tax Credits to lower monthly costs.
Utah expanded Medicaid in 2020, covering adults with income up to 138% FPL, a critical resource for many small business owners.

Navigating health insurance options for your salon or barbershop in Centerville, Utah, involves understanding both individual marketplace plans and small group options. Whether you're a self-employed stylist, a sole proprietor with a few employees, or managing a growing team, securing affordable and comprehensive coverage is crucial. This guide focuses on the specific resources and plans available to Centerville-based businesses in the beauty and grooming industry, helping you make informed decisions about your health coverage.

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What Health Insurance Options Are Available for Centerville Salon & Barbershop Owners?

For Centerville salon and barbershop owners, health insurance options largely depend on your business structure and the number of employees.

Individual Marketplace Plans (HealthCare.gov): If you are self-employed without employees, or if your employees prefer to choose their own plans, the federal marketplace (HealthCare.gov) is your primary resource. You may qualify for significant financial assistance, known as Advance Premium Tax Credits (APTCs), if your household income is between 100% and 400% of the Federal Poverty Level. These subsidies can substantially reduce your monthly premiums. Centerville residents in Rating Area 3 will find a selection of HMO and EPO plans, as PPO plans are not offered on-exchange in Utah.

Small Business Health Options Program (SHOP): For businesses with 1 to 50 employees, the SHOP marketplace (also accessed through HealthCare.gov) provides another avenue for group coverage. SHOP plans allow you to offer health insurance to your employees, and you might be eligible for the Small Business Health Care Tax Credit if you cover at least 50% of your employees' premium costs and have fewer than 25 full-time equivalent employees with average annual wages below a certain threshold (adjusted annually for inflation). This credit can be worth up to 50% of your contribution to employee premiums.

Private Off-Exchange Plans: You can also purchase health insurance directly from carriers outside of HealthCare.gov. While these plans are not eligible for federal subsidies, they may offer a wider range of plan types or provider networks. However, for most small business owners and employees, the financial assistance available through the marketplace makes on-exchange plans a more cost-effective choice.

Understanding ACA Plan Tiers and Costs in Centerville

Health insurance plans available in Centerville, whether on or off the marketplace, are categorized into metal tiers: Bronze, Silver, Gold, and Platinum. These tiers reflect how you and your plan share costs, not the quality of care.

Metal Tier	Key Feature	Example Cost Share	Best For
Bronze	Lowest monthly premium, highest out-of-pocket costs.	Plan pays ~60% of costs, you pay ~40%.	Healthy individuals who want protection against catastrophic events.
Silver	Moderate premiums and out-of-pocket costs.	Plan pays ~70% of costs, you pay ~30%.	Individuals and families who qualify for Cost-Sharing Reductions (CSRs).
Gold	Higher monthly premiums, lower out-of-pocket costs.	Plan pays ~80% of costs, you pay ~20%.	Those who expect to use medical services frequently.

For Centerville small business owners and their employees, Silver plans are particularly important. If your income qualifies you for Cost-Sharing Reductions (CSRs), a Silver plan will offer enhanced benefits, such as lower deductibles, copayments, and out-of-pocket maximums, making it a much better value than a standard Silver plan or even some Gold plans.

Health Insurance Carriers in Centerville

Centerville, located in Davis County, is part of Utah Rating Area 3. In 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 Health Maintenance Organization (HMO) and Exclusive Provider Organization (EPO) plans to choose from. PPO plans are not available on-exchange in Utah. The confirmed carriers for Centerville and the wider Rating Area 3 are:

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

When selecting a plan, it's essential to verify that your preferred doctors, specialists, and facilities, such as Holy Cross Hospital-davis in Layton or Lakeview Hospital in Bountiful, are included in the plan's network. Davis County has a population of 370,924, and its 4 acute care hospitals serve residents with an uninsured rate of 5.7%, per U.S. Census Bureau ACS 2024 5-year estimates.

Utah Medicaid and CHIP for Centerville Residents

Utah expanded Medicaid in 2020, making health coverage accessible to more residents. For Centerville adults, including many salon and barbershop owners or employees, with household incomes up to 138% of the Federal Poverty Level (FPL), Utah Medicaid provides comprehensive, no-cost health insurance. This is a critical difference from states that have not expanded Medicaid, where individuals in this income range might fall into a coverage gap. Additionally, specific Medicaid programs are available for vulnerable populations:

Pregnant Women: Utah Medicaid covers pregnant women with household incomes up to 144% FPL, providing prenatal care, labor and delivery, and postpartum support.
Children: The Children's Health Insurance Program (CHIP) in Utah covers uninsured children in households with incomes up to 200% FPL.

If your income falls within these thresholds, applying for Utah Medicaid or CHIP through medicaid.utah.gov is often the most affordable and comprehensive option.

Making the Right Health Insurance Decision for Your Salon or Barbershop

Choosing the best health insurance for your Centerville salon or barbershop requires careful consideration of your income, employee structure, and health needs.

Self-Employed / Sole Proprietor: If you are a solo operator, focus on individual plans through HealthCare.gov. Assess your income against FPL guidelines to determine eligibility for subsidies (APTCs and CSRs).
Small Business (1-50 Employees): Explore SHOP plans if you plan to offer group coverage. Evaluate the potential for the Small Business Health Care Tax Credit. Alternatively, encourage employees to use the individual marketplace if they qualify for significant subsidies.
Consider Plan Types: Remember that only HMO and EPO plans are available on the marketplace in Utah. Understand the network restrictions and referral requirements of these plan types.
Budget and Usage: Balance monthly premiums with potential out-of-pocket costs. A Bronze plan might have a low premium but high deductibles, while a Gold plan has higher premiums but lower costs when you use services.

The Centerville area, with its population of 16,679 and median income of $123,130, per U.S. Census Bureau ACS 2024 5-year estimates, offers a variety of health insurance options through HealthCare.gov. Working with a licensed health insurance producer can simplify this process, helping you compare plans, understand subsidies, and enroll in coverage that meets your specific needs without any additional cost to you.

Frequently Asked Questions

What is the difference between an HMO and an EPO plan in Centerville?

In Centerville, both HMO (Health Maintenance Organization) and EPO (Exclusive Provider Organization) plans require you to use a network of doctors and hospitals. HMOs typically require you to choose a primary care physician (PCP) and get a referral to see specialists. EPOs usually do not require a PCP or referrals, but you must stay within the plan's network for covered services, except in emergencies. Neither plan type offers out-of-network coverage for non-emergencies.

Can I get a dental or vision plan through HealthCare.gov in Centerville?

Yes, HealthCare.gov offers standalone dental plans and, in some cases, embedded pediatric dental coverage within health plans. Standalone adult vision plans are also available. These are typically purchased separately from your medical health insurance plan.

What is a qualifying life event for special enrollment in Centerville?

A qualifying life event (QLE) allows Centerville residents to enroll in health insurance outside the annual Open Enrollment Period. Common QLEs include losing existing health coverage, getting married, having a baby, moving to a new service area, or certain changes in income. Most QLEs give you 60 days from the event to enroll.

How does the Small Business Health Care Tax Credit work for Centerville salons?

The Small Business Health Care Tax Credit helps small employers afford health insurance. To qualify, your Centerville salon or barbershop must have fewer than 25 full-time equivalent employees, pay average annual wages of less than approximately $59,000 (2023 figure, adjusted annually), and cover at least 50% of your employees' premium costs. The maximum credit is 50% of your contribution for small business employers.