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Marketplace health plans in Ogemaw 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, Ogemaw County, Michigan has 45 Marketplace health plans from 5 insurers: 13 bronze, 16 silver, 13 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $448.95 per month; the lowest bronze premium is $443.25.
What changed vs 2025
- Benchmark silver premium up $72.33 a month (+19.2%) from 2025
- 8 fewer plans than 2025
- Lowest bronze premium up $143.45 a month
Market snapshot
- Residents under 65
- 15,051
- Insurers
- 5
- Plans by metal level
- 13 bronze, 16 silver, 13 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $448.95/mo
- Lowest bronze premium, age 40, before subsidies
- $443.25/mo
- Lowest gold premium, age 40, before subsidies
- $473.72/mo
- Lowest silver deductible
- $2,000
- Lowest out-of-pocket maximum
- $6,500
Insurers in the county
- Ambetter from Meridian — 9 plans (Silver, Gold)
- Blue Care Network of Michigan — 9 plans (Catastrophic, Bronze, Silver, Gold)
- Blue Cross Blue Shield of Michigan Mutual Insurance Company — 9 plans (Catastrophic, Bronze, Silver, Gold)
- McLaren Health Plan Community — 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 | MHP Young Adult/Catastrophic (74917MI0020004) | McLaren Health Plan Community | HMO | $408.53 | $10,600 | $10,600 | 3 |
|---|
| Bronze | Blue Cross® Preferred HMO Bronze Secure (98185MI0180029) | Blue Care Network of Michigan | HMO | $443.25 | $10,600 | $10,600 | 13 |
|---|
| Silver | Clear Silver (58594MI0030017) | Ambetter from Meridian | HMO | $445.42 | $7,000 | $7,000 | 16 |
|---|
| Gold | Standard Gold (58594MI0030025) | Ambetter from Meridian | HMO | $473.72 | $2,000 | $8,200 | 13 |
|---|
One plan per metal level shown, of 45 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 |
|---|
| $351.30 | $368.16 | $398.72 | $448.95 | $627.41 | $953.41 |
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.