Health insurance prices in Oakland County, MI (2026)
64 marketplace plans from 4 insurers. Cheapest plan $345/mo; typical Silver $617/mo. Official marketplace: HealthCare.gov (enter your ZIP for your real price and tax credit).
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy). Rating Area 2.
Tick 2 to 4 options anywhere on this page (an insurer's cheapest plan, any plan in the full list, or a health sharing program) and press Compare. You can mix insurance and health sharing, and share the link.
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $345–$566 (typical $429) · Silver $503–$830 (typical $617) · Gold $543–$963 (typical $713) · Catastrophic $359–$416 (typical $409)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Comparecheapest plan | Insurer | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| UnitedHealthcareUnitedHealth Group | 13 | $378 | $395 | $514 | $552 | UHC Bronze Essential (No Referrals) | |
| Priority Health | 16 | $379 | $422 | $599 | $742 | MyPriority Value Bronze Southeast Michigan Network | |
| Blue Cross Blue Shield of MichiganBCBS Michigan (Blue Cross Blue Shield company) | 26 | $345 | $457 | $669 | $816 | Blue Cross® Local HMO Bronze Secure | |
| McLaren Health Plan Community | 9 | $461 | $498 | $699 | $709 | MHP Bronze |
All 64 plans in Oakland County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of Michigan | Blue Cross® Local HMO Bronze Secure | Bronze | HMO | $345 | $10,600 | $10,600 | $14,743 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Value | Catastrophic | HMO | $359 | $10,600 | $10,600 | $14,914 | |
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | HMO | $378 | $10,600 | $10,600 | $15,133 | |
| Priority Health | MyPriority Value Bronze Southeast Michigan Network | Expanded Bronze | HMO | $379 | $9,500 | $9,500 | $14,051 | |
| Priority Health | MyPriority Standard Bronze - Southeast Michigan Network | Expanded Bronze | HMO | $381 | $7,500 | $10,000 | $14,571 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Secure | Bronze | HMO | $384 | $10,600 | $10,600 | $15,205 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Local HMO Bronze Extra | Expanded Bronze | HMO | $391 | $7,500 | $10,000 | $14,696 | |
| UnitedHealthcare | UHC Bronze Essential+ (Dental + Vision, No Referrals) | Bronze | HMO | $395 | $10,600 | $10,600 | $15,342 | |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | HMO | $396 | $7,500 | $10,000 | $14,748 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Value | Catastrophic | PPO | $409 | $10,600 | $10,600 | $15,510 | |
| Priority Health | MyPriority Value Bronze HSA Southeast Michigan Network | Expanded Bronze | HMO | $413 | $7,500 | $7,500 | $12,454 | |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | HMO | $415 | $0 | $10,600 | $15,585 | |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | HMO | $416 | $10,600 | $10,600 | $15,595 | |
| Priority Health | MyPriority Value Bronze | Expanded Bronze | HMO | $422 | $9,500 | $9,500 | $14,567 | |
| Priority Health | MyPriority Standard Bronze | Expanded Bronze | HMO | $424 | $7,500 | $10,000 | $15,090 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Extra | Expanded Bronze | HMO | $435 | $7,500 | $10,000 | $15,215 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Saver HSA | Expanded Bronze | HMO | $443 | $8,500 | $8,500 | $13,817 | |
| Priority Health | MyPriority Value Bronze HSA | Expanded Bronze | HMO | $460 | $7,500 | $7,500 | $13,017 | |
| McLaren Health Plan Community | MHP Bronze | Bronze | HMO | $461 | $8,250 | $10,150 | $15,677 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Extra | Expanded Bronze | HMO | $471 | $7,500 | $10,000 | $15,657 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Expanded Bronze | HMO | $480 | $8,500 | $8,500 | $14,263 | |
| Priority Health | MyPriority Standard Bronze - Travel | Expanded Bronze | HMO | $488 | $7,500 | $10,000 | $15,854 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Secure | Bronze | PPO | $494 | $10,600 | $10,600 | $16,527 | |
| McLaren Health Plan Community | MHP Expanded Bronze Standard | Expanded Bronze | HMO | $498 | $7,500 | $10,000 | $15,971 | |
| McLaren Health Plan Community | MHP Bronze Saver (Expanded) | Expanded Bronze | HMO | $500 | $8,500 | $8,500 | $14,500 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Local HMO Silver Saver | Silver | HMO | $503 | $5,800 | $7,650 | $13,682 | |
| UnitedHealthcare | UHC Silver Value (No Referrals) | Silver | HMO | $507 | $4,000 | $9,500 | $15,586 | |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | HMO | $510 | $6,000 | $8,900 | $15,022 | |
| UnitedHealthcare | UHC Silver Advantage (No Referrals) | Silver | HMO | $514 | $2,900 | $10,400 | $16,569 | |
| UnitedHealthcare | UHC Silver Value+ (Dental + Vision, No Referrals) | Silver | HMO | $525 | $4,000 | $9,500 | $15,795 | |
| UnitedHealthcare | UHC Silver Advantage+ (Dental + Vision, No Referrals) | Silver | HMO | $531 | $2,900 | $10,400 | $16,778 | |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | HMO | $543 | $2,000 | $8,200 | $14,713 | |
| Priority Health | MyPriority Balanced Silver Southeast Michigan Network | Silver | HMO | $546 | $3,200 | $9,000 | $15,553 | |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | HMO | $547 | $1,500 | $7,800 | $14,367 | |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | HMO | $557 | $0 | $8,000 | $14,686 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Saver | Silver | HMO | $559 | $5,800 | $7,650 | $14,354 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Saver HSA | Expanded Bronze | PPO | $559 | $8,500 | $8,500 | $15,208 | |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | HMO | $565 | $1,500 | $7,800 | $14,576 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Extra | Expanded Bronze | PPO | $566 | $7,500 | $10,000 | $16,789 | |
| Priority Health | MyPriority Standard Silver - Southeast Michigan Network | Silver | HMO | $566 | $6,000 | $8,900 | $15,698 | |
| Priority Health | MyPriority Premier Silver | Silver | HMO | $590 | $5,500 | $9,500 | $16,575 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Local HMO Silver Extra | Silver | HMO | $595 | $6,000 | $8,900 | $16,037 | |
| Priority Health | MyPriority Balanced Silver | Silver | HMO | $608 | $3,200 | $9,000 | $16,297 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver | Silver | HMO | $626 | $4,500 | $10,600 | $18,108 | |
| Priority Health | MyPriority Standard Silver | Silver | HMO | $631 | $6,000 | $8,900 | $16,470 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Extra | Silver | HMO | $661 | $6,000 | $8,900 | $16,827 | |
| Priority Health | MyPriority Standard Gold Southeast Michigan Network | Gold | HMO | $676 | $2,000 | $8,200 | $16,308 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver | Silver | HMO | $678 | $4,500 | $10,600 | $18,739 | |
| McLaren Health Plan Community | MHP Silver Exchange Rewards | Silver | HMO | $683 | $2,000 | $9,000 | $17,199 | |
| McLaren Health Plan Community | MHP Silver Exchange | Silver | HMO | $699 | $4,250 | $10,150 | $18,537 | |
| McLaren Health Plan Community | MHP Gold | Gold | HMO | $706 | $2,100 | $8,000 | $16,475 | |
| McLaren Health Plan Community | MHP Silver Standard | Silver | HMO | $708 | $6,000 | $8,900 | $17,392 | |
| McLaren Health Plan Community | MHP Gold Standard | Gold | HMO | $713 | $2,000 | $8,200 | $16,752 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Extra | Silver | HMO | $717 | $6,000 | $8,900 | $17,498 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold | Gold | HMO | $740 | $2,050 | $8,800 | $17,682 | |
| Priority Health | MyPriority Enhanced Gold Southeast Michigan Network | Gold | HMO | $742 | $0 | $9,200 | $18,102 | |
| Priority Health | MyPriority Standard Gold | Gold | HMO | $752 | $2,000 | $8,200 | $17,229 | |
| Priority Health | MyPriority Standard Silver - Travel | Silver | HMO | $757 | $6,000 | $8,900 | $17,984 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Saver HSA | Silver | PPO | $765 | $3,900 | $7,700 | $16,878 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver | Silver | PPO | $765 | $3,200 | $10,100 | $19,279 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold Extra | Gold | HMO | $768 | $2,000 | $8,200 | $17,421 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Extra | Silver | PPO | $830 | $6,000 | $8,900 | $18,860 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold | Gold | PPO | $864 | $1,450 | $9,000 | $19,364 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold Extra | Gold | PPO | $963 | $2,000 | $8,200 | $19,762 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $345 | $429 | $566 | 24 | $7,875 | $10,000 | $15,112 |
| Silver | $503 | $617 | $830 | 24 | $5,000 | $8,950 | $16,677 |
| Gold | $543 | $713 | $963 | 13 | $2,000 | $8,200 | $16,752 |
| CatastrophicUnder 30 or hardship exemption only | $359 | $409 | $416 | 3 | $10,600 | $10,600 | $15,510 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.