ACA plans available
14
Plan year 2026
2026 data Public-data reference. official source
Millard, Utah Health Insurance
Open-data reference.
14 ACA plans from 2 issuers - Plan year 2026
Millard, Utah offers 14 ACA marketplace plans from 2 issuers for plan year 2026. Silver plans start at $750/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$883
Avg Silver Premium/mo
$904
Benchmark Premium/mo
+27.4%
Year-over-Year Change
$4,773
Avg Deductible
What the Numbers Say About Millard
Millard, Utah has 14 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $883/mo for a 27-year-old non-tobacco user, with the lowest Silver at $750 and the highest at $953.
The benchmark (second-lowest Silver) premium is $904/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $4,773 and the average out-of-pocket maximum is $8,596 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Millard shifted by +27.4%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Millard, consumers have some competitive choice, though narrower than the most competitive counties. Network types split fairly evenly here between HMO and EPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Silver
4 plans$883/mo avg
$750 - $953
Gold
4 plans$998/mo avg
$887 - $1,063
Platinum
2 plans$1,361/mo avg
$1,233 - $1,489
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Millard is $904/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
2
Some competition
Benchmark Silver
$904 /mo
Sets your subsidy ceiling
Avg deductible
$4,773
Across all metal tiers
Millard ACA plans by premium and deductible
Each marker is the Millard average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Millard, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Millard
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Select Health | 8 | $974/mo |
| University of Utah Health Plans | 6 | $851/mo |
All Plans in Millard
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Healthy Premier Bronze HSA University of Utah Health Plans | Expanded Bronze | EPO | $608.99 | $647.98 | $8,500 | $8,500 |
| Healthy Premier Expanded Bronze Standard University of Utah Health Plans | Expanded Bronze | EPO | $625.62 | $665.68 | $7,500 | $10,000 |
| Med Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $661.94 | $704.32 | $0 | $10,500 |
| Med Benchmark Expanded Bronze Standardized Plan Select Health | Expanded Bronze | HMO | $753.03 | $801.25 | $7,500 | $10,000 |
| Med Benchmark Silver 6000 Medical Deductible w/Vision Select Health | Silver | HMO | $750.00 | $798.02 | $6,000 | $9,500 |
| Healthy Premier Silver Standard University of Utah Health Plans | Silver | EPO | $904.09 | $961.98 | $6,000 | $8,900 |
| Healthy Premier Silver Copay Office Visits University of Utah Health Plans | Silver | EPO | $923.40 | $982.52 | $4,000 | $7,000 |
| Med Benchmark Silver Standardized Plan Select Health | Silver | HMO | $953.44 | $1,014.48 | $6,000 | $8,900 |
| Med Gold 1500 Medical Deductible Select Health | Gold | HMO | $886.63 | $943.40 | $1,500 | $8,000 |
| Healthy Premier Gold Standard University of Utah Health Plans | Gold | EPO | $1,020.53 | $1,085.87 | $2,000 | $8,200 |
| Healthy Premier Gold Copay Office Visits University of Utah Health Plans | Gold | EPO | $1,021.91 | $1,087.34 | $1,500 | $8,500 |
| Med Benchmark Gold Standardized Plan Select Health | Gold | HMO | $1,062.75 | $1,130.79 | $2,000 | $8,200 |
| Med Benchmark Platinum Select Health | Platinum | HMO | $1,232.79 | $1,311.72 | $0 | $8,950 |
| Med Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,488.86 | $1,584.19 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $610/mo | $538 | $704 | 5 | 2 |
| 2023 | $606/mo | $535 | $688 | 7 | 2 |
| 2024 | $688/mo | $596 | $738 | 4 | 2 |
| 2025 | $765/mo | $661 | $821 | 4 | 2 |
| 2026 | $883/mo | $750 | $953 | 4 | 2 |
Frequently Asked Questions
How many ACA plans are available in Millard, UT?
There are 14 ACA marketplace plans available in Millard from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Millard?
Silver plans in Millard start at $750/mo (age 27). Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Millard?
The benchmark (second-lowest Silver) premium in Millard is $904/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Millard?
Average premiums in Millard changed by +27.4% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Millard?
The average annual deductible across all plans in Millard is $4,773, and the average out-of-pocket maximum is $8,596. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Millard?
There are 2 insurance issuers offering ACA marketplace plans in Millard, including Select Health, University of Utah Health Plans. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Millard, UT's $904/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
