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Marketplace health plans in Berrien County, MI — 2026
What agents look up before working a county's individual market: plans by metal level, insurers, the benchmark silver premium, the lowest bronze premium, deductible and out-of-pocket floors, the population under 65, and what changed since last year.
In 2026, Berrien County, Michigan has 42 Marketplace health plans from 4 insurers: 13 bronze, 16 silver, 11 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $509.01 per month; the lowest bronze premium is $483.08.
What changed vs 2025
- Benchmark silver premium up $31.55 a month (+6.6%) from 2025
- 2 fewer plans than 2025
- Lowest bronze premium up $103.01 a month
Market snapshot
- Residents under 65
- 120,585
- Insurers
- 4
- Plans by metal level
- 13 bronze, 16 silver, 11 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $509.01/mo
- Lowest bronze premium, age 40, before subsidies
- $483.08/mo
- Lowest gold premium, age 40, before subsidies
- $537.09/mo
- Lowest silver deductible
- $3,200
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Blue Care Network of Michigan — 15 plans (Catastrophic, Bronze, Silver, Gold)
- Ambetter from Meridian — 9 plans (Silver, Gold)
- Blue Cross Blue Shield of Michigan Mutual Insurance Company — 9 plans (Catastrophic, Bronze, Silver, Gold)
- Priority Health — 9 plans (Bronze, Silver, Gold)
Lowest age-40 premium per metal level, before subsidies
| Metal level | Plan | Insurer | Plan type | Monthly premium, age 40 | Deductible | Out-of-pocket maximum | Plans at this level |
|---|
| Catastrophic | Blue Cross® Select HMO Value (98185MI0440015) | Blue Care Network of Michigan | HMO | $452.50 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Blue Cross® Select HMO Bronze Secure (98185MI0440019) | Blue Care Network of Michigan | HMO | $483.08 | $10,600 | $10,600 | 13 |
|---|
| Silver | Clear Silver (58594MI0030017) | Ambetter from Meridian | HMO | $505.01 | $7,000 | $7,000 | 16 |
|---|
| Gold | Standard Gold (58594MI0030025) | Ambetter from Meridian | HMO | $537.09 | $2,000 | $8,200 | 11 |
|---|
One plan per metal level shown, of 42 plans in the county.
Benchmark silver premium by age
The benchmark plan (Ambetter from Meridian) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $398.30 | $417.41 | $452.06 | $509.01 | $711.34 | $1,080.96 |
Nearby counties
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About this data
Premiums are individual, non-tobacco, age 40, before any premium tax credit, from the CMS QHP Landscape Individual Market Medical file for plan year 2026; population: U.S. Census Bureau ACS 5-year 2024.
This page summarizes publicly available CMS data. It does not recommend plans and is not an application. To check subsidy eligibility and enroll, use HealthCare.gov or talk to a licensed agent. HealthCare.gov plan preview.