Health insurance prices in St. Clair County, MI (2026)
51 marketplace plans from 4 insurers. Cheapest plan $413/mo; typical Silver $668/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 3.
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 $413–$536 (typical $466) · Silver $429–$831 (typical $668) · Gold $457–$864 (typical $652) · Catastrophic $367–$386 (typical $385)
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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 9 | $429 Silver | no Bronze | $433 | $477 | Clear Silver | |
| McLaren Health Plan Community | 9 | $426 | $460 | $646 | $655 | MHP Bronze | |
| Priority Health | 9 | $464 | $485 | $680 | $826 | MyPriority Value Bronze | |
| Blue Cross Blue Shield of MichiganBCBS Michigan (Blue Cross Blue Shield company) | 24 | $413 | $476 | $686 | $811 | Blue Cross® Select HMO Bronze Secure |
All 51 plans in St. Clair County, cheapest first
| Compare | Insurer | Plan | Metal | Network | Monthly | Deductible | Out-of-pocket max | Bad year |
|---|---|---|---|---|---|---|---|---|
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Value | Catastrophic | PPO | $367 | $10,600 | $10,600 | $15,002 | |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | HMO | $385 | $10,600 | $10,600 | $15,215 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Value | Catastrophic | HMO | $386 | $10,600 | $10,600 | $15,237 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Secure | Bronze | HMO | $413 | $10,600 | $10,600 | $15,550 | |
| McLaren Health Plan Community | MHP Bronze | Bronze | HMO | $426 | $8,250 | $10,150 | $15,256 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $429 | $7,000 | $7,000 | $12,152 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $433 | $6,000 | $8,900 | $14,093 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Secure | Bronze | PPO | $443 | $10,600 | $10,600 | $15,914 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Secure | Bronze | HMO | $447 | $10,600 | $10,600 | $15,964 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $449 | $6,000 | $8,900 | $14,284 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $457 | $2,000 | $8,200 | $13,680 | |
| McLaren Health Plan Community | MHP Expanded Bronze Standard | Expanded Bronze | HMO | $460 | $7,500 | $10,000 | $15,517 | |
| McLaren Health Plan Community | MHP Bronze Saver (Expanded) | Expanded Bronze | HMO | $462 | $8,500 | $8,500 | $14,043 | |
| Priority Health | MyPriority Value Bronze | Expanded Bronze | HMO | $464 | $9,500 | $9,500 | $15,065 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $464 | $800 | $7,250 | $12,815 | |
| Priority Health | MyPriority Standard Bronze | Expanded Bronze | HMO | $466 | $7,500 | $10,000 | $15,590 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Extra | Expanded Bronze | HMO | $467 | $7,500 | $10,000 | $15,606 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $473 | $2,000 | $8,200 | $13,881 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Bronze Saver HSA | Expanded Bronze | HMO | $476 | $8,500 | $8,500 | $14,216 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $481 | $800 | $7,250 | $13,020 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Saver HSA | Expanded Bronze | PPO | $501 | $8,500 | $8,500 | $14,514 | |
| Priority Health | MyPriority Value Bronze HSA | Expanded Bronze | HMO | $505 | $7,500 | $7,500 | $13,558 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Extra | Expanded Bronze | HMO | $507 | $7,500 | $10,000 | $16,081 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Extra | Expanded Bronze | PPO | $507 | $7,500 | $10,000 | $16,086 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Expanded Bronze | HMO | $516 | $8,500 | $8,500 | $14,695 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $523 | $0 | $6,500 | $12,777 | |
| Priority Health | MyPriority Standard Bronze - Travel | Expanded Bronze | HMO | $536 | $7,500 | $10,000 | $16,428 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $542 | $0 | $6,500 | $13,007 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Saver | Silver | HMO | $601 | $5,800 | $7,650 | $14,856 | |
| McLaren Health Plan Community | MHP Silver Exchange Rewards | Silver | HMO | $631 | $2,000 | $9,000 | $16,575 | |
| McLaren Health Plan Community | MHP Silver Exchange | Silver | HMO | $646 | $4,250 | $10,150 | $17,898 | |
| Priority Health | MyPriority Premier Silver | Silver | HMO | $648 | $5,500 | $9,500 | $17,270 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Saver | Silver | HMO | $651 | $5,800 | $7,650 | $15,462 | |
| McLaren Health Plan Community | MHP Gold | Gold | HMO | $652 | $2,100 | $8,000 | $15,829 | |
| McLaren Health Plan Community | MHP Silver Standard | Silver | HMO | $654 | $6,000 | $8,900 | $16,745 | |
| McLaren Health Plan Community | MHP Gold Standard | Gold | HMO | $658 | $2,000 | $8,200 | $16,101 | |
| Priority Health | MyPriority Balanced Silver | Silver | HMO | $668 | $3,200 | $9,000 | $17,014 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver | Silver | HMO | $673 | $4,500 | $10,600 | $18,671 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Saver HSA | Silver | PPO | $686 | $3,900 | $7,700 | $15,928 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver | Silver | PPO | $686 | $3,200 | $10,100 | $18,329 | |
| Priority Health | MyPriority Standard Silver | Silver | HMO | $693 | $6,000 | $8,900 | $17,213 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Select HMO Silver Extra | Silver | HMO | $710 | $6,000 | $8,900 | $17,421 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver | Silver | HMO | $729 | $4,500 | $10,600 | $19,350 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Extra | Silver | PPO | $744 | $6,000 | $8,900 | $17,829 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Extra | Silver | HMO | $770 | $6,000 | $8,900 | $18,143 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold | Gold | PPO | $774 | $1,450 | $9,000 | $18,291 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold | Gold | HMO | $796 | $2,050 | $8,800 | $18,348 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold Extra | Gold | HMO | $826 | $2,000 | $8,200 | $18,113 | |
| Priority Health | MyPriority Standard Gold | Gold | HMO | $826 | $2,000 | $8,200 | $18,116 | |
| Priority Health | MyPriority Standard Silver - Travel | Silver | HMO | $831 | $6,000 | $8,900 | $18,876 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold Extra | Gold | PPO | $864 | $2,000 | $8,200 | $18,565 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $413 | $466 | $536 | 16 | $8,375 | $10,000 | $15,534 |
| Silver | $429 | $668 | $831 | 19 | $5,800 | $8,900 | $17,213 |
| Gold | $457 | $652 | $864 | 13 | $2,000 | $8,200 | $15,829 |
| CatastrophicUnder 30 or hardship exemption only | $367 | $385 | $386 | 3 | $10,600 | $10,600 | $15,215 |
* 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.