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Marketplace health plans in St. Joseph 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, St. Joseph County, Michigan has 52 Marketplace health plans from 5 insurers: 16 bronze, 17 silver, 16 gold, 3 catastrophic. The benchmark silver plan (second-lowest-cost silver, age 40, before subsidies) is $582.12 per month; the lowest bronze premium is $493.28.
What changed vs 2026
- Benchmark silver premium up $73.11 a month (+14.4%) from 2026
- 7 more plans than 2026
- Lowest bronze premium down $30.20 a month
Market snapshot
- Residents under 65
- 49,566
- Insurers
- 5
- Plans by metal level
- 16 bronze, 17 silver, 16 gold, 3 catastrophic
- Benchmark silver premium, age 40, before subsidies
- $582.12/mo
- Lowest bronze premium, age 40, before subsidies
- $493.28/mo
- Lowest gold premium, age 40, before subsidies
- $627.80/mo
- Lowest silver deductible
- $0
- Lowest out-of-pocket maximum
- $7,250
Insurers in the county
- Ambetter from Meridian — 15 plans (Bronze, Silver, Gold)
- Blue Care Network of Michigan — 10 plans (Catastrophic, 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 | $516.41 | $12,000 | $12,000 | 3 |
| Bronze | Signature Expanded Bronze (58594MI0030011) | Ambetter from Meridian | HMO | $493.28 | $7,500 | $12,000 | 16 |
| Silver | Streamlined Silver (58594MI0030012) | Ambetter from Meridian | HMO | $562.33 | $4,700 | $11,300 | 17 |
| Gold | Signature Gold (58594MI0030025) | Ambetter from Meridian | HMO | $627.80 | $2,500 | $8,600 | 16 |
One plan per metal level shown, of 52 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 |
|---|---|---|---|---|---|
| $455.50 | $477.36 | $516.98 | $582.12 | $813.51 | $1,236.21 |
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.