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Marketplace health plans in Houghton 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, Houghton County, Michigan has 16 Marketplace health plans from 2 insurers: 6 bronze, 4 silver, 4 gold, 2 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $910.03 per month; the lowest bronze premium is $528.16.
What changed vs 2025
- Benchmark silver premium up $160.98 a month (+21.5%) from 2025
- Lowest bronze premium up $69.05 a month
Market snapshot
- Residents under 65
- 30,918
- Insurers
- 2
- Plans by metal level
- 6 bronze, 4 silver, 4 gold, 2 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $910.03/mo
- Lowest bronze premium, age 40, before subsidies
- $528.16/mo
- Lowest gold premium, age 40, before subsidies
- $940.03/mo
- Lowest silver deductible
- $3,900
- Lowest out-of-pocket maximum
- $7,650
Insurers in the county
- Blue Care Network of Michigan — 8 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross Blue Shield of Michigan Mutual Insurance Company — 8 plans (Catastrophic, 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® Premier PPO Value (15560MI0350001) | Blue Cross Blue Shield of Michigan Mutual Insurance Company | PPO | $489.09 | $10,600 | $10,600 | 2 |
|---|
| Bronze | Blue Cross® Preferred HMO Bronze Secure (98185MI0180029) | Blue Care Network of Michigan | HMO | $528.16 | $10,600 | $10,600 | 6 |
|---|
| Silver | Blue Cross® Preferred HMO Silver Saver (98185MI0180015) | Blue Care Network of Michigan | HMO | $769.09 | $5,800 | $7,650 | 4 |
|---|
| Gold | Blue Cross® Preferred HMO Gold (98185MI0180009) | Blue Care Network of Michigan | HMO | $940.03 | $2,050 | $8,800 | 4 |
|---|
One plan per metal level shown, of 16 plans in the county.
Benchmark silver premium by age
The benchmark plan (Blue Care Network of Michigan) at each age, individual, non-tobacco, before any premium tax credit.
| Age 21 | Age 27 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|
| $712.07 | $746.25 | $808.20 | $910.03 | $1,271.76 | $1,932.56 |
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.