ACA plans available
34
Plan year 2026
CMS Marketplace county · plan year 2026
Morgan, Utah ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $685
- Silver avg/mo
- 34
- ACA plans
- 4
- Issuers
- +19.2%
- YoY premium
Silver avg $685/mo
Morgan, Utah has 34 ACA marketplace plans from 4 issuers (plan year 2026). Average Silver premium is $685/mo; Bronze averages $520/mo and Gold $775/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #554 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $593/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Morgan, Utah ranks #554 of 2,055 counties by listed Silver average ($685/mo) and #1,430 of 2,055 by plan count (34 plans).
- #554 of 2,055
- Silver average among 2,055 counties
- $685
- Listed Silver average /mo
- #1,430 of 2,055
- Plan count among 2,055 counties
- 34
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Morgan, Utah offers 34 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $466/mo and Silver plans start at $566/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$685
Avg Silver Premium/mo
$593
Benchmark Premium/mo
+19.2%
Year-over-Year Change
$5,057
Avg Deductible
High-premium band
Morgan in the high-premium third
$685/mo Silver avg sits in the top third of tracked federal-marketplace counties. Corpus place #554 of 2055 (highest Silver = #1).
Bronze starts at $466/mo; Silver spans $566–$797/mo (age 27). Benchmark (2nd-lowest Silver) is $593/mo, the subsidy ceiling.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
11 plans$520/mo avg
$466 - $628
Silver
10 plans$685/mo avg
$566 - $797
Gold
9 plans$775/mo avg
$652 - $886
Platinum
4 plans$1,068/mo avg
$907 - $1,241
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Morgan is $593/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.
Issuers in market
4
Competitive market
Benchmark Silver
$593 /mo
Sets your subsidy ceiling
Avg deductible
$5,057
Across all metal tiers
F
Marketplace Access Score
39/100
Morgan
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability F
$593/mo
Benchmark Silver premium; rank #554 of 2055 tracked counties (cheapest first)
Plan Choice F
34 plans
ACA marketplace plan count; rank #1430 of 2055 tracked counties (most first)
Issuer Competition C
4 issuers
Distinct marketplace issuers; rank #831 of 2055 tracked counties (most first)
Cost Predictability D
$5,057
Average deductible across tracked plans; rank #970 of 2055 tracked counties (lowest first)
Morgan ACA plans by premium and deductible
Each marker is the Morgan 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.
Morgan ACA marketplace plans: premium vs deductible
How Morgan's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Morgan vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$685 554th of 2055 higher than 1,501 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Morgan
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Select Health | 17 | $750/mo |
| Regence BlueCross BlueShield of Utah | 8 | $593/mo |
| University of Utah Health Plans | 6 | $734/mo |
| BridgeSpan Health Company | 3 | $643/mo |
All Plans in Morgan
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Value Expanded Bronze 6900 Medical Deductible Select Health | Expanded Bronze | HMO | $466.21 | $496.06 | $6,900 | $10,000 |
| Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $473.72 | $504.05 | $9,000 | $10,600 |
| Value Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $487.06 | $518.25 | $0 | $10,500 |
| Bronze 8000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $491.39 | $522.85 | $8,000 | $10,600 |
| Regence Standard Bronze 7500 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $510.17 | $542.83 | $7,500 | $10,000 |
| BridgeSpan Standard Bronze Plan BridgeSpan Health Company | Expanded Bronze | HMO | $516.58 | $549.66 | $7,500 | $10,000 |
| Healthy Premier Bronze HSA University of Utah Health Plans | Expanded Bronze | EPO | $525.57 | $559.22 | $8,500 | $8,500 |
| Bronze HSA 7000 Regence BlueCross BlueShield of Utah | Expanded Bronze | EPO | $528.94 | $562.81 | $7,000 | $8,300 |
| Healthy Premier Expanded Bronze Standard University of Utah Health Plans | Expanded Bronze | EPO | $539.92 | $574.49 | $7,500 | $10,000 |
| Med Benchmark Expanded Bronze Select Copay Plan Select Health | Expanded Bronze | HMO | $551.62 | $586.94 | $0 | $10,500 |
| Med Benchmark Expanded Bronze Standardized Plan Select Health | Expanded Bronze | HMO | $627.53 | $667.71 | $7,500 | $10,000 |
| Value Benchmark Silver 5900 Medical Deductible Select Health | Silver | HMO | $566.00 | $602.24 | $5,900 | $9,500 |
| Value Silver 3000 Medical Deductible Select Health | Silver | HMO | $592.81 | $630.77 | $3,000 | $9,500 |
| Med Benchmark Silver 6000 Medical Deductible w/Vision Select Health | Silver | HMO | $625.00 | $665.01 | $6,000 | $9,500 |
| Silver 6500 Regence BlueCross BlueShield of Utah | Silver | EPO | $647.87 | $689.35 | $6,500 | $9,500 |
| Regence Standard Silver 6000 Regence BlueCross BlueShield of Utah | Silver | EPO | $670.17 | $713.08 | $6,000 | $8,900 |
| BridgeSpan Standard Silver Plan BridgeSpan Health Company | Silver | HMO | $678.99 | $722.46 | $6,000 | $8,900 |
| Value Benchmark Silver Standardized Plan Select Health | Silver | HMO | $701.54 | $746.46 | $6,000 | $8,900 |
| Healthy Premier Silver Standard University of Utah Health Plans | Silver | EPO | $780.24 | $830.20 | $6,000 | $8,900 |
| Med Benchmark Silver Standardized Plan Select Health | Silver | HMO | $794.53 | $845.40 | $6,000 | $8,900 |
| Healthy Premier Silver Copay Office Visits University of Utah Health Plans | Silver | EPO | $796.91 | $847.93 | $4,000 | $7,000 |
| Value Gold 1500 Medical Deductible Select Health | Gold | HMO | $652.39 | $694.16 | $1,500 | $8,000 |
| Gold 2300 Regence BlueCross BlueShield of Utah | Gold | EPO | $698.98 | $743.74 | $2,300 | $10,150 |
| Regence Standard Gold 2000 Regence BlueCross BlueShield of Utah | Gold | EPO | $723.28 | $769.59 | $2,000 | $8,200 |
| BridgeSpan Standard Gold Plan BridgeSpan Health Company | Gold | HMO | $732.67 | $779.58 | $2,000 | $8,200 |
| Med Gold 1500 Medical Deductible Select Health | Gold | HMO | $738.86 | $786.17 | $1,500 | $8,000 |
| Value Benchmark Gold Standardized Plan Select Health | Gold | HMO | $781.98 | $832.05 | $2,000 | $8,200 |
| Healthy Premier Gold Standard University of Utah Health Plans | Gold | EPO | $880.73 | $937.12 | $2,000 | $8,200 |
| Healthy Premier Gold Copay Office Visits University of Utah Health Plans | Gold | EPO | $881.92 | $938.39 | $1,500 | $8,500 |
| Med Benchmark Gold Standardized Plan Select Health | Gold | HMO | $885.62 | $942.33 | $2,000 | $8,200 |
| Value Benchmark Platinum Select Health | Platinum | HMO | $907.09 | $965.17 | $0 | $8,950 |
| Med Benchmark Platinum Select Health | Platinum | HMO | $1,027.32 | $1,093.10 | $0 | $8,950 |
| Value Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,095.51 | $1,165.66 | $0 | $5,200 |
| Med Benchmark Platinum Standardized Plan Select Health | Platinum | HMO | $1,240.71 | $1,320.16 | $0 | $5,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $464/mo | $406 | $590 | 17 | 5 |
| 2023 | $506/mo | $434 | $594 | 20 | 5 |
| 2024 | $517/mo | $453 | $637 | 19 | 6 |
| 2025 | $571/mo | $492 | $684 | 18 | 6 |
| 2026 | $685/mo | $566 | $797 | 10 | 4 |
What this means for Morgan
Use Morgan's own numbers here, not a national average, before you enroll.
- $685/mo Silver average sits in the top third of tracked counties nationally -- run the metal-tier math before defaulting to Silver. Compare metal tiers
- 34 plans from 4 issuers puts Morgan in the thinnest third of tracked counties -- check the rest of Utah for more options. All of Utah
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Why is Morgan's Silver premium in the high band?
Morgan ranks #554 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $685/mo. See /methodology#corpus-placement.
Why does Morgan carry a thin ACA plan book?
Morgan lists 34 marketplace plans from 4 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the floor premium in high-cost Morgan?
The lowest-premium plan in Morgan starts at $466/mo (Bronze tier, age 27). Silver plans start at $566/mo. Actual premiums vary by age and may be reduced by premium tax credits.
How does the Morgan benchmark premium affect subsidies?
The benchmark (second-lowest Silver) premium in Morgan is $593/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Morgan premiums rise +19.2% year-over-year?
The average age-27 premium in Morgan changed by +19.2% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
What is the average deductible and out-of-pocket maximum in Morgan?
The average annual deductible across all plans in Morgan is $5,057, and the average out-of-pocket maximum is $8,896. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which issuers compete in Morgan's crowded market?
There are 4 insurance issuers offering ACA marketplace plans in Morgan, including Select Health, Regence BlueCross BlueShield of Utah, University of Utah Health Plans, and others. 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 Morgan, UT's $593/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Morgan, UT, both outside UT so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($593/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (4 here).
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.