Utah builders can still access nationwide PPO coverage. That's especially useful around St. George, where marketplace choices are much more limited than in Salt Lake. Here's how contractors across southern Utah are finding coverage for their households.
Hi, I'm Sam Jaber. Health insurance is my entire business, and I'm licensed in Utah. We can take care of everything with a phone conversation.
St. George and its surrounding communities have experienced remarkable construction growth. New subdivisions, vacation properties and retirement developments throughout Washington County have provided steady projects for builders and remodelers. Many contractors came from the Wasatch Front, Nevada or Arizona to establish their businesses here. But shopping for family health coverage brings an unwelcome discovery: southern Utah has considerably fewer marketplace options than northern Utah, and none of them are PPOs.
No matter where your construction business operates in Utah, I can help you arrange a nationwide PPO.
You won't find a PPO on Utah's marketplace. For 2026, HealthCare.gov lists 57 individual medical plans from 6 insurers throughout all 29 counties. Of those, 37 are HMOs and 20 are EPOs. Neither type generally covers out-of-network treatment except in emergencies. A PPO gives you more flexibility because it contributes toward out-of-network care, although those visits cost you more, and referrals aren't required. If that's the coverage you want, you'll need to consider private plans that review your health before setting your premium.
Here's the situation I'm addressing: you operate a successful construction company in southern Utah, your family is healthy, and marketplace coverage is limited to a few local networks. Meanwhile, your projects or family activities regularly bring you into Las Vegas, Mesquite and Arizona.
I'd start by comparing a privately offered nationwide PPO with your local marketplace choices. Private insurers review your medical history before deciding whether to approve coverage, deny it or exclude an existing condition. Healthy households generally benefit from premiums below the marketplace's full price. A nationwide network can also include specialists in Salt Lake or Las Vegas rather than restricting you to southern Utah. We'll review the actual benefits of each policy before you decide.
Next step: Call me with the ages of everyone needing coverage. I'll compare a nationwide PPO quote with the marketplace plans available throughout Washington County.
Owners of newer construction companies and smaller remodeling businesses frequently have profits within the federal tax credit range. If you qualify, HealthCare.gov typically costs less because its credits cannot be used elsewhere. Southern Utah's limited selection makes checking your doctors' network participation particularly important. And if a strong building season increases your earnings, remember to revise your income estimate.
Next step: Give me fifteen minutes to review your previous year's finances and current bids. Together, we'll settle on an income projection and suitable coverage.
A slowdown in construction or the launch of a new company can significantly reduce family income. Utah expanded Medicaid, allowing households earning up to 138% of the poverty level to qualify while business improves. Remember, workers' compensation is limited to injuries occurring at work.
Next step: If you're expecting a low-income year, call me. We'll check which coverage programs your household can access now.
Straight answers, no sales pitch.
Washington County offers 22 individual medical plans through 3 insurers in 2026. Salt Lake County has 49 plans offered by 5 insurers.
No. Utah's 57 HealthCare.gov medical plans for 2026 consist entirely of HMOs and EPOs. I can help healthy builders obtain quotes for private nationwide PPO coverage.
Possibly. Because Utah expanded Medicaid, households earning 138% of the poverty level or less may be eligible.
No. Workers' compensation applies to workplace injuries. You'll need health coverage for illnesses, routine visits and family medical needs.
Let me know your county, the family members needing coverage and approximately what your company earned in profit last year. I'll review the plans offered in your area, compare their costs with other choices and let you know whether your current coverage is worth keeping.
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