Health insurance prices in Ottawa County, MI (2026)
67 marketplace plans from 5 insurers. Cheapest plan $356/mo; typical Silver $730/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 12.
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 $356–$714 (typical $525) · Silver $471–$1,048 (typical $730) · Gold $486–$1,217 (typical $757) · Catastrophic $433–$517 (typical $476)
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 |
|---|---|---|---|---|---|---|---|
| Oscar Health | 8 | $356 | $368 | $471 | $510 | Bronze Classic Standard | |
| Ambetter (Centene) | 9 | $591 Silver | no Bronze | $596 | $657 | Clear Silver | |
| Priority Health | 17 | $425 | $489 | $683 | $831 | MyPriority Value Bronze Corewell Health West Michigan Network | |
| McLaren Health Plan Community | 9 | $526 | $569 | $799 | $811 | MHP Bronze | |
| Blue Cross Blue Shield of MichiganBCBS Michigan (Blue Cross Blue Shield company) | 24 | $463 | $568 | $818 | $1,009 | Blue Cross® Select HMO Bronze Secure |
All 67 plans in Ottawa County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Oscar Health | Bronze Classic Standard | Expanded Bronze | EPO | $356 | $7,500 | $10,000 | $14,277 | |
| Oscar Health | Bronze Classic 4700 | Expanded Bronze | EPO | $368 | $4,700 | $9,100 | $13,510 | |
| Oscar Health | Bronze Elite + PCP Saver Plus | Expanded Bronze | EPO | $392 | $0 | $10,150 | $14,856 | |
| Priority Health | MyPriority Value Bronze Corewell Health West Michigan Network | Expanded Bronze | HMO | $425 | $9,500 | $9,500 | $14,597 | |
| Priority Health | MyPriority Standard Bronze - Corewell Health West Michigan Network | Expanded Bronze | HMO | $427 | $7,500 | $10,000 | $15,120 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Value | Catastrophic | HMO | $433 | $10,600 | $10,600 | $15,801 | |
| Priority Health | MyPriority Value Bronze HSA Corewell Health West Michigan Network | Expanded Bronze | HMO | $462 | $7,500 | $7,500 | $13,049 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Secure | Bronze | HMO | $463 | $10,600 | $10,600 | $16,153 | |
| Oscar Health | Silver Classic Standard | Silver | EPO | $471 | $6,000 | $8,900 | $14,555 | |
| Oscar Health | Silver Simple PCP Saver | Silver | EPO | $471 | $5,500 | $9,800 | $15,458 | |
| Oscar Health | Silver Classic | Silver | EPO | $476 | $5,600 | $8,400 | $14,107 | |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | HMO | $476 | $10,600 | $10,600 | $16,309 | |
| Oscar Health | Gold Classic Standard | Gold | EPO | $486 | $2,000 | $8,200 | $14,026 | |
| Priority Health | MyPriority Value Bronze | Expanded Bronze | HMO | $489 | $9,500 | $9,500 | $15,372 | |
| Priority Health | MyPriority Standard Bronze | Expanded Bronze | HMO | $492 | $7,500 | $10,000 | $15,898 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Secure | Bronze | HMO | $501 | $10,600 | $10,600 | $16,617 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Value | Catastrophic | PPO | $517 | $10,600 | $10,600 | $16,800 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Extra | Expanded Bronze | HMO | $524 | $7,500 | $10,000 | $16,288 | |
| McLaren Health Plan Community | MHP Bronze | Bronze | HMO | $526 | $8,250 | $10,150 | $16,467 | |
| Priority Health | MyPriority Value Bronze HSA | Expanded Bronze | HMO | $533 | $7,500 | $7,500 | $13,893 | |
| Oscar Health | Gold Elite Saver Plus | Gold | EPO | $534 | $0 | $8,600 | $15,011 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Saver HSA | Expanded Bronze | HMO | $534 | $8,500 | $8,500 | $14,911 | |
| Priority Health | MyPriority Standard Bronze - Travel | Expanded Bronze | HMO | $565 | $7,500 | $10,000 | $16,783 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Extra | Expanded Bronze | HMO | $568 | $7,500 | $10,000 | $16,821 | |
| McLaren Health Plan Community | MHP Expanded Bronze Standard | Expanded Bronze | HMO | $569 | $7,500 | $10,000 | $16,824 | |
| McLaren Health Plan Community | MHP Bronze Saver (Expanded) | Expanded Bronze | HMO | $571 | $8,500 | $8,500 | $15,357 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Expanded Bronze | HMO | $579 | $8,500 | $8,500 | $15,449 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $591 | $7,000 | $7,000 | $14,095 | |
| Priority Health | MyPriority Premier Silver Corewell Health West Michigan Network | Silver | HMO | $593 | $5,500 | $9,500 | $16,621 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $596 | $6,000 | $8,900 | $16,051 | |
| Priority Health | MyPriority Balanced Silver Corewell Health West Michigan Network | Silver | HMO | $612 | $3,200 | $9,000 | $16,340 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $618 | $6,000 | $8,900 | $16,314 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Secure | Bronze | PPO | $624 | $10,600 | $10,600 | $18,085 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $629 | $2,000 | $8,200 | $15,745 | |
| Priority Health | MyPriority Standard Silver - Corewell Health West Michigan Network | Silver | HMO | $634 | $6,000 | $8,900 | $16,514 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $639 | $800 | $7,250 | $14,913 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $652 | $2,000 | $8,200 | $16,023 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $662 | $800 | $7,250 | $15,195 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Saver | Silver | HMO | $674 | $5,800 | $7,650 | $15,733 | |
| Priority Health | MyPriority Premier Silver | Silver | HMO | $683 | $5,500 | $9,500 | $17,699 | |
| Priority Health | MyPriority Balanced Silver | Silver | HMO | $705 | $3,200 | $9,000 | $17,456 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Saver HSA | Expanded Bronze | PPO | $706 | $8,500 | $8,500 | $16,971 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Extra | Expanded Bronze | PPO | $714 | $7,500 | $10,000 | $18,573 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $720 | $0 | $6,500 | $15,143 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Saver | Silver | HMO | $730 | $5,800 | $7,650 | $16,412 | |
| Priority Health | MyPriority Standard Silver | Silver | HMO | $731 | $6,000 | $8,900 | $17,672 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $747 | $0 | $6,500 | $15,461 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver | Silver | HMO | $754 | $4,500 | $10,600 | $19,653 | |
| Priority Health | MyPriority Standard Gold Corewell Health West Michigan Network | Gold | HMO | $757 | $2,000 | $8,200 | $17,282 | |
| McLaren Health Plan Community | MHP Silver Exchange Rewards | Silver | HMO | $781 | $2,000 | $9,000 | $18,370 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Extra | Silver | HMO | $796 | $6,000 | $8,900 | $18,458 | |
| McLaren Health Plan Community | MHP Silver Exchange | Silver | HMO | $799 | $4,250 | $10,150 | $19,734 | |
| McLaren Health Plan Community | MHP Gold | Gold | HMO | $807 | $2,100 | $8,000 | $17,685 | |
| McLaren Health Plan Community | MHP Silver Standard | Silver | HMO | $809 | $6,000 | $8,900 | $18,605 | |
| McLaren Health Plan Community | MHP Gold Standard | Gold | HMO | $814 | $2,000 | $8,200 | $17,974 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver | Silver | HMO | $818 | $4,500 | $10,600 | $20,414 | |
| Priority Health | MyPriority Enhanced Gold Corewell Health West Michigan Network | Gold | HMO | $831 | $0 | $9,200 | $19,171 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Extra | Silver | HMO | $864 | $6,000 | $8,900 | $19,268 | |
| Priority Health | MyPriority Standard Gold | Gold | HMO | $872 | $2,000 | $8,200 | $18,663 | |
| Priority Health | MyPriority Standard Silver - Travel | Silver | HMO | $877 | $6,000 | $8,900 | $19,426 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold | Gold | HMO | $892 | $2,050 | $8,800 | $19,509 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold Extra | Gold | HMO | $927 | $2,000 | $8,200 | $19,319 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Saver HSA | Silver | PPO | $966 | $3,900 | $7,700 | $19,290 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver | Silver | PPO | $966 | $3,200 | $10,100 | $21,692 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Extra | Silver | PPO | $1,048 | $6,000 | $8,900 | $21,477 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold | Gold | PPO | $1,091 | $1,450 | $9,000 | $22,087 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold Extra | Gold | PPO | $1,217 | $2,000 | $8,200 | $22,800 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $356 | $525 | $714 | 22 | $7,500 | $10,000 | $15,673 |
| Silver | $471 | $730 | $1,048 | 25 | $5,800 | $8,900 | $17,672 |
| Gold | $486 | $757 | $1,217 | 17 | $2,000 | $8,200 | $17,282 |
| CatastrophicUnder 30 or hardship exemption only | $433 | $476 | $517 | 3 | $10,600 | $10,600 | $16,309 |
* 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.