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Marketplace health plans in Oakland 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, Oakland County, Michigan has 82 Marketplace health plans from 6 insurers: 27 bronze, 25 silver, 26 gold, 4 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $529.26 per month; the lowest bronze premium is $398.74.
What changed vs 2026
- Benchmark silver premium up $22.08 a month (+4.4%) from 2026
- 18 more plans than 2026
- Insurers entered: Ambetter from Meridian
- Lowest bronze premium up $53.51 a month
Market snapshot
- Residents under 65
- 1,044,769
- Insurers
- 6
- Plans by metal level
- 27 bronze, 25 silver, 26 gold, 4 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $529.26/mo
- Lowest bronze premium, age 40, before subsidies
- $398.74/mo
- Lowest gold premium, age 40, before subsidies
- $570.78/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Blue Care Network of Michigan — 18 plans (Catastrophic, Bronze, Silver, Gold)
- UnitedHealthcare — 17 plans (Bronze, Silver, Gold)
- Ambetter from Meridian — 15 plans (Bronze, Silver, Gold)
- Priority Health — 13 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)
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® Local HMO Catastrophic HSA (98185MI0180042) | Blue Care Network of Michigan | HMO | $385.66 | $12,000 | $12,000 | 4 |
| Bronze | MyPriority Essential Bronze Southeast Michigan Network (29698MI0541253) | Priority Health | HMO | $398.74 | $9,000 | $12,000 | 27 |
| Silver | Streamlined Silver (58594MI0030012) | Ambetter from Meridian | HMO | $511.26 | $4,700 | $11,300 | 25 |
| Gold | Signature Gold (58594MI0030025) | Ambetter from Meridian | HMO | $570.78 | $2,500 | $8,600 | 26 |
One plan per metal level shown, of 82 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 |
|---|---|---|---|---|---|
| $414.14 | $434.01 | $470.04 | $529.26 | $739.63 | $1,123.94 |
Nearby counties
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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.