UnitedHealthcare

ACA marketplace issuer - 13 plans across 48 counties

1
State
48
Counties
13
Plans
$628
Avg Premium (Age 27)
The short answer

UnitedHealthcare is a single-state ACA marketplace issuer offering 13 plans across 1 state and 48 counties. Its average age-27 premium of $628/mo runs $12 below the national marketplace average of $640/mo.

vs Market Average

UnitedHealthcare's average premium of $628/mo is $12 below the national market average of $640/mo.

UnitedHealthcare at a Glance

UnitedHealthcare is an ACA marketplace issuer offering 13 plans across 1 state and 48 counties. Its average age-27 premium is $628/mo, the standardized rate marketplaces use for apples-to-apples comparison. Plan types on offer include EPO, each with distinct network rules for referrals, in-network cost-sharing, and out-of-network access.

Compared with the national marketplace average of $640/mo, UnitedHealthcare's average premium lands about $12 below. Lower issuer averages typically indicate concentration in lower-cost regions or a Bronze-heavy plan mix rather than leaner benefits, since all ACA plans must cover the same 10 essential health benefits.

The largest single-state presence is LA with 624 plans, though availability and exact plan lineup vary county by county within each state. Confirm specific plans, network hospitals, and provider directories directly with the issuer or on HealthCare.gov before enrolling. PlainHealthPlan is not affiliated with UnitedHealthcare. This page is informational only and is not insurance, medical, or financial advice.

Plan Types

EPO

Metal Levels Offered

Gold Silver Expanded Bronze Bronze

UnitedHealthcare average premium by metal level

The premium ladder across UnitedHealthcare's 13 ACA plans, average monthly premium (age 27) by metal tier. Bronze trades a low premium for a high deductible; Gold and Platinum invert it.

UnitedHealthcare: average premium by metal level

Bronze$460/moExpanded Bronze$508/moSilver$681/moGold$695/mo
Source: CMS Marketplace Public Use Files, plan year 2026.

Health Insurance Guides

Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum, which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount

Explore More ACA Data

All Issuers
Compare every ACA marketplace issuer by plans, states, and average premium
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Where consumers have the most plan competition
Estimate Your Subsidy
Premium tax credit calculator for your household and county

Frequently Asked Questions

How many plans does UnitedHealthcare offer on the ACA marketplace? ▼
UnitedHealthcare offers 13 ACA marketplace plans across 1 state and 48 counties. Plans are available in Gold, Silver, Expanded Bronze, Bronze metal tiers.
What is UnitedHealthcare's average premium? ▼
UnitedHealthcare's average monthly premium is $628 for a 27-year-old. This is $12 below the national marketplace average of $640/mo.
What plan types does UnitedHealthcare offer? ▼
UnitedHealthcare offers EPO plan types. Plan type determines how you access providers, HMO plans require referrals and in-network care, while PPO and POS plans offer more flexibility at higher premiums.
In which states does UnitedHealthcare sell ACA plans? ▼
UnitedHealthcare sells ACA marketplace plans in 1 state, covering 48 counties. The largest presence is in LA with 624 plans. Availability varies by county, check your specific county for plan options.

Disclaimer: This page is for informational purposes only. Data comes from CMS Marketplace Public Use Files. PlainHealthPlan is not affiliated with UnitedHealthcare or any insurance company. Premiums shown are base rates and may not reflect your actual cost.

Read our methodology - how this data is sourced, computed, and verified.

Related

Browse all issuers → | Rankings →
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial