UnitedHealthcare

ACA marketplace issuer - 13 plans across 37 counties

1
State
37
Counties
13
Plans
$674
Avg Premium (Age 27)
The short answer

UnitedHealthcare is a single-state ACA marketplace issuer offering 13 plans across 1 state and 37 counties. Its average age-27 premium of $674/mo runs $34 above the national marketplace average of $640/mo.

vs Market Average

UnitedHealthcare's average premium of $674/mo is $34 above the national market average of $640/mo.

UnitedHealthcare at a Glance

UnitedHealthcare is an ACA marketplace issuer offering 13 plans across 1 state and 37 counties. Its average age-27 premium is $674/mo, the standardized rate marketplaces use for apples-to-apples comparison. Plan types on offer include HMO, 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 runs about $34 higher. This gap can reflect richer provider networks, broader geographic reach into higher-cost markets, or enrollment that skews toward Silver and Gold tiers rather than Bronze.

The largest single-state presence is NC with 481 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

HMO

Metal Levels Offered

Silver Gold Bronze Expanded 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$480/moExpanded Bronze$520/moSilver$711/moGold$792/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
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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 37 counties. Plans are available in Silver, Gold, Bronze, Expanded Bronze metal tiers.
What is UnitedHealthcare's average premium? ▼
UnitedHealthcare's average monthly premium is $674 for a 27-year-old. This is $34 above the national marketplace average of $640/mo.
What plan types does UnitedHealthcare offer? ▼
UnitedHealthcare offers HMO 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 37 counties. The largest presence is in NC with 481 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

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Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial