Health insurance prices in St. Joseph County, MI (2026)
45 marketplace plans from 4 insurers. Cheapest plan $505/mo; typical Silver $795/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 9.
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 $523–$627 (typical $571) · Silver $505–$951 (typical $795) · Gold $537–$1,067 (typical $807) · Catastrophic $453–$490 (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 |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 9 | $505 Silver | no Bronze | $509 | $561 | Clear Silver | |
| Priority Health | 9 | $530 | $555 | $778 | $945 | MyPriority Value Bronze | |
| McLaren Health Plan Community | 9 | $526 | $569 | $799 | $811 | MHP Bronze | |
| Blue Cross Blue Shield of MichiganBCBS Michigan (Blue Cross Blue Shield company) | 18 | $523 | $599 | $850 | $962 | Blue Cross® Preferred HMO Bronze Secure |
All 45 plans in St. Joseph 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 | $453 | $10,600 | $10,600 | $16,037 | |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | HMO | $476 | $10,600 | $10,600 | $16,309 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Value | Catastrophic | HMO | $490 | $10,600 | $10,600 | $16,484 | |
| Ambetter (Centene) | Clear Silver | Silver | HMO | $505 | $7,000 | $7,000 | $13,060 | |
| Ambetter (Centene) | Standard Silver | Silver | HMO | $509 | $6,000 | $8,900 | $15,008 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Secure | Bronze | HMO | $523 | $10,600 | $10,600 | $16,882 | |
| McLaren Health Plan Community | MHP Bronze | Bronze | HMO | $526 | $8,250 | $10,150 | $16,467 | |
| Ambetter (Centene) | Standard Silver + Vision + Adult Dental | Silver | HMO | $528 | $6,000 | $8,900 | $15,233 | |
| Priority Health | MyPriority Value Bronze | Expanded Bronze | HMO | $530 | $9,500 | $9,500 | $15,864 | |
| Priority Health | MyPriority Standard Bronze | Expanded Bronze | HMO | $533 | $7,500 | $10,000 | $16,393 | |
| Ambetter (Centene) | Standard Gold | Gold | HMO | $537 | $2,000 | $8,200 | $14,645 | |
| Ambetter (Centene) | Everyday Gold | Gold | HMO | $545 | $800 | $7,250 | $13,796 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Secure | Bronze | PPO | $547 | $10,600 | $10,600 | $17,164 | |
| Ambetter (Centene) | Standard Gold + Vision + Adult Dental | Gold | HMO | $557 | $2,000 | $8,200 | $14,882 | |
| Ambetter (Centene) | Everyday Gold + Vision + Adult Dental | Gold | HMO | $566 | $800 | $7,250 | $14,036 | |
| 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 | |
| Priority Health | MyPriority Value Bronze HSA | Expanded Bronze | HMO | $577 | $7,500 | $7,500 | $14,429 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Extra | Expanded Bronze | HMO | $593 | $7,500 | $10,000 | $17,121 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Expanded Bronze | HMO | $605 | $8,500 | $8,500 | $15,754 | |
| Priority Health | MyPriority Standard Bronze - Travel | Expanded Bronze | HMO | $613 | $7,500 | $10,000 | $17,352 | |
| Ambetter (Centene) | Elite Gold | Gold | HMO | $615 | $0 | $6,500 | $13,883 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Saver HSA | Expanded Bronze | PPO | $619 | $8,500 | $8,500 | $15,929 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Bronze Extra | Expanded Bronze | PPO | $627 | $7,500 | $10,000 | $17,518 | |
| Ambetter (Centene) | Elite Gold + Vision + Adult Dental | Gold | HMO | $638 | $0 | $6,500 | $14,154 | |
| Priority Health | MyPriority Premier Silver | Silver | HMO | $741 | $5,500 | $9,500 | $18,386 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Saver | Silver | HMO | $762 | $5,800 | $7,650 | $16,797 | |
| Priority Health | MyPriority Balanced Silver | Silver | HMO | $764 | $3,200 | $9,000 | $18,165 | |
| McLaren Health Plan Community | MHP Silver Exchange Rewards | Silver | HMO | $781 | $2,000 | $9,000 | $18,370 | |
| Priority Health | MyPriority Standard Silver | Silver | HMO | $792 | $6,000 | $8,900 | $18,407 | |
| 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® Premier PPO Silver Saver HSA | Silver | PPO | $847 | $3,900 | $7,700 | $17,864 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver | Silver | PPO | $847 | $3,200 | $10,100 | $20,265 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver | Silver | HMO | $854 | $4,500 | $10,600 | $20,846 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Silver Extra | Silver | HMO | $902 | $6,000 | $8,900 | $19,724 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Silver Extra | Silver | PPO | $919 | $6,000 | $8,900 | $19,930 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold | Gold | HMO | $932 | $2,050 | $8,800 | $19,981 | |
| Priority Health | MyPriority Standard Gold | Gold | HMO | $945 | $2,000 | $8,200 | $19,540 | |
| Priority Health | MyPriority Standard Silver - Travel | Silver | HMO | $951 | $6,000 | $8,900 | $20,309 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold | Gold | PPO | $956 | $1,450 | $9,000 | $20,477 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Preferred HMO Gold Extra | Gold | HMO | $967 | $2,000 | $8,200 | $19,808 | |
| Blue Cross Blue Shield of Michigan | Blue Cross® Premier PPO Gold Extra | Gold | PPO | $1,067 | $2,000 | $8,200 | $21,003 |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $523 | $571 | $627 | 13 | $8,250 | $10,000 | $16,467 |
| Silver | $505 | $795 | $951 | 16 | $5,900 | $8,900 | $18,397 |
| Gold | $537 | $807 | $1,067 | 13 | $2,000 | $8,200 | $17,685 |
| CatastrophicUnder 30 or hardship exemption only | $453 | $476 | $490 | 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.