Utah
Cheapest ACA plans in Layton, Utah for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Layton is in Davis County, Utah. 4 carriers sell 2026 ACA plans on Healthcare.gov for residents of Davis County, and the cheapest Bronze plan a 40-year-old can enroll in starts at $441/month before any subsidy. Carriers are licensed and rated at the county level, so the plans below cover everyone in Davis County, including Layton.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Layton (Davis County), on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Davis County |
|---|---|---|
| Expanded Bronze | $441 | 12 |
| Bronze | $485 | 1 |
| Silver | $559 | 14 |
| Gold | $646 | 13 |
| Platinum | $919 | 4 |
The actual cheapest Bronze plan in Layton
Regence BlueCross BlueShield of Utah Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits
$441/moFor a family of four (two 40-year-olds and two kids under 14): Regence BlueCross BlueShield of Utah Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits at $1,411/month before subsidies.
Carriers selling 2026 plans in Layton
4 carriers sell 2026 plans on Healthcare.gov for Davis County residents. 44 plans total in Davis County.
| Carrier | On-exchange plans |
|---|---|
| SelectHealth | 21 |
| University of Utah Health Plans | 12 |
| Regence BlueCross BlueShield | 8 |
| BridgeSpan Health Company | 3 |
What you'll actually pay in Layton
Estimated monthly net premium for the cheapest Bronze plan above ($441/mo before subsidy) on Healthcare.gov, after federal APTC. APTC is computed against the Davis Countybenchmark Silver per 26 USC §36B. Approximate; exact net varies by plan's EHB% and child-rate structure.
Single 40-year-old
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $25,000 | 160% | $477/mo | $0/mo |
| $40,000 | 256% | $287/mo | $154/mo |
| $60,000 | 383% | $76/mo | $365/mo |
| $100,000 | 639% | — | $441/mo |
Family of 4 (two 40-year-olds, two children)
| Annual income | FPL % | Federal APTC | Cheapest Bronze net |
|---|---|---|---|
| $40,000 | 124% | — | Medicaid likely |
| $80,000 | 249% | $1,203/mo | $208/mo |
| $130,000 | 404% | — | $1,411/mo |
| $200,000 | 622% | — | $1,411/mo |
FPL = Federal Poverty Level. APTC = Advance Premium Tax Credit (the federal subsidy). Off-exchange and Catastrophic plans are not APTC-eligible. Enter your real income on the home page to see plan-specific net premium with the per-plan EHB-percent cap applied.
Frequently asked questions
What is the cheapest ACA plan in Layton, Utah for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Regence BlueCross BlueShield of Utah Bronze Essential 9000 Deductible With 4 Copay No Deductible Office Visits at $441 per month before subsidies. Plans sell through Healthcare.gov. Layton is in Davis County, Utah; carriers are licensed and rated at the county level. Data refreshed 2026-04-19T08:08:55.462Z.
How does Layton's 2026 ACA pricing compare to other Utah cities?
Cheapest Bronze for a 40-year-old in Layton is $441 per month before subsidies. For comparison: Salt Lake City at $441/mo; Ogden at $436/mo; Orem at $420/mo. Different cities can have different cheapest plans because plans are sold per county and carrier participation varies by jurisdiction.
Does Utah use Healthcare.gov?
Yes. Utah participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Utah does not operate a state-based exchange.
Has Utah expanded Medicaid?
Yes, effective January 1, 2020. Adults 19-64 up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Utah.
What was the Proposition 3 arc?
Utah voters approved Proposition 3 in November 2018 directing full ACA Medicaid expansion to 138% FPL. The Utah legislature then passed SB 96 scaling back to partial expansion at 100% FPL and seeking federal approval for per-capita caps. CMS denied the partial-expansion waiver over several rounds. Utah ultimately implemented full expansion to 138% FPL on January 1, 2020.
More Utah pricing
- Statewide Utah pricing and metal tiers
- Salt Lake City pricingcheapest Bronze $441/mo
- Ogden pricingcheapest Bronze $436/mo
- Orem pricingcheapest Bronze $420/mo
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Utah Insurance Department for rate review, carrier filings, and consumer guidance.
- Utah Medicaid: Department of Health and Human Services for Medicaid expansion eligibility and enrollment.
- Utah Proposition 3 (2018 Ballot) for the voter-approved full Medicaid expansion and subsequent implementation arc.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Full pricing pipeline + regulatory references at methodology; ACA terminology in the glossary.