The more common set-up nationwide is a combo where power production and consumption are netted and then you pay the deficit at retail rates, or get paid the excess at retail rates. At least that's how its done in several Southwest/Rocky Mountain states I'm familiar with, including Utah, if memory serves.

So in most places your only option is to be completely disconnected from the grid, or else to be hooked in the way I describe. Being completely disconnected is *extremely* uncommon because the equipment is so much more expensive. Something like 98-99% of residential systems that have grid access (i.e., that aren't remote) opt to use it.