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Marketplace health plans in Lapeer County, MI — 2027
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 2027, Lapeer County, Michigan has 76 Marketplace health plans from 6 insurers: 24 bronze, 24 silver, 24 gold, 4 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $485.13 per month; the lowest bronze premium is $411.09.
What changed vs 2026
- Benchmark silver premium up $97.10 a month (+25.0%) from 2026
- 25 more plans than 2026
- Insurers entered: UnitedHealthcare
- Lowest bronze premium up $27.98 a month
Market snapshot
- Residents under 65
- 70,921
- Insurers
- 6
- Plans by metal level
- 24 bronze, 24 silver, 24 gold, 4 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $485.13/mo
- Lowest bronze premium, age 40, before subsidies
- $411.09/mo
- Lowest gold premium, age 40, before subsidies
- $523.19/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Blue Care Network of Michigan — 17 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Ambetter from Meridian — 15 plans (Bronze, Silver, Gold)
- Blue Cross Blue Shield of Michigan Mutual Insurance Company — 10 plans (Catastrophic, Bronze, Silver, Gold)
- McLaren Health Plan Community — 9 plans (Catastrophic, Bronze, Silver, Gold)
- Priority Health — 8 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 | MHP Young Adult/Catastrophic (74917MI0020004) | McLaren Health Plan Community | HMO | $417.46 | $12,000 | $12,000 | 4 |
| Bronze | Signature Expanded Bronze (58594MI0030011) | Ambetter from Meridian | HMO | $411.09 | $7,500 | $12,000 | 24 |
| Silver | Streamlined Silver (58594MI0030012) | Ambetter from Meridian | HMO | $468.63 | $4,700 | $11,300 | 24 |
| Gold | Signature Gold (58594MI0030025) | Ambetter from Meridian | HMO | $523.19 | $2,500 | $8,600 | 24 |
One plan per metal level shown, of 76 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 |
|---|---|---|---|---|---|
| $379.61 | $397.82 | $430.85 | $485.13 | $677.96 | $1,030.23 |
Nearby counties
Agent Tools
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Free tools for licensed insurance agents. Data from CMS public files; verify with plan documents before advising a client.
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 2027; 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.