UnitedHealthcare

ACA marketplace issuer - 20 plans across 218 counties

1
State
218
Counties
20
Plans
$579
Avg Premium (Age 27)
The short answer

UnitedHealthcare is a single-state ACA marketplace issuer offering 20 plans across 1 state and 218 counties. Its average age-27 premium of $579/mo runs $61 below the national marketplace average of $640/mo.

vs Market Average

UnitedHealthcare's average premium of $579/mo is $61 below the national market average of $640/mo.

UnitedHealthcare at a Glance

UnitedHealthcare is an ACA marketplace issuer offering 20 plans across 1 state and 218 counties. Its average age-27 premium is $579/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 lands about $61 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 TX with 3,057 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

Expanded Bronze Silver Gold Bronze

UnitedHealthcare average premium by metal level

The premium ladder across UnitedHealthcare's 20 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$429/moExpanded Bronze$461/moSilver$674/moGold$586/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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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 20 ACA marketplace plans across 1 state and 218 counties. Plans are available in Expanded Bronze, Silver, Gold, Bronze metal tiers.
What is UnitedHealthcare's average premium? ▼
UnitedHealthcare's average monthly premium is $579 for a 27-year-old. This is $61 below 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 218 counties. The largest presence is in TX with 3,057 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