2026 plan year · Michigan
2026 health insurance plans in Montcalm County, MI
45 Marketplace plans from 5 insurers. Premiums below are full monthly prices before tax credits. Use the age columns to see how price changes with age.
- $596benchmark silver (age 40)
- $489cheapest bronze (age 40)
- 5insurers
- +38.3%benchmark change vs. 2025
Insurer changes from 2025
- Leaving: Molina Healthcare, University of Michigan Health Plan. See what to do if your insurer leaves.
Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan · HMO | $392 | $501 | $1,065 | $10,600 | $10,600 | No Charge after Deductible |
| MHP Bronze McLaren Health Plan Community · HMO | $412 | $526 | $1,118 | $8,250 | $10,150 | 50% Coinsurance after deductible |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $488 | $624 | $1,325 | $10,600 | $10,600 | No Charge after Deductible |
Expanded Bronze plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| MyPriority Value Bronze Priority Health · HMO | $383 | $489 | $1,039 | $9,500 | $9,500 | $35 |
| MyPriority Standard Bronze Priority Health · HMO | $385 | $492 | $1,044 | $7,500 | $10,000 | $50 |
| MyPriority Value Bronze HSA Priority Health · HMO | $417 | $533 | $1,131 | $7,500 | $7,500 | No Charge after Deductible |
| MyPriority Standard Bronze - Travel Priority Health · HMO | $442 | $565 | $1,200 | $7,500 | $10,000 | $50 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan · HMO | $445 | $568 | $1,207 | $7,500 | $10,000 | $50 |
| MHP Expanded Bronze Standard McLaren Health Plan Community · HMO | $445 | $569 | $1,208 | $7,500 | $10,000 | $50 |
| MHP Bronze Saver (Expanded) McLaren Health Plan Community · HMO | $447 | $571 | $1,214 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan · HMO | $453 | $579 | $1,230 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $552 | $706 | $1,499 | $8,500 | $8,500 | No Charge after Deductible |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $559 | $714 | $1,517 | $7,500 | $10,000 | $50 |
Silver plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Clear Silver Ambetter from Meridian · HMO | $463 | $591 | $1,256 | $7,000 | $7,000 | $50 |
| Standard Silver Ambetter from Meridian · HMO | $466 | $596 | $1,266 | $6,000 | $8,900 | $40 |
| Standard Silver + Vision + Adult Dental Ambetter from Meridian · HMO | $483 | $618 | $1,312 | $6,000 | $8,900 | $40 |
| MyPriority Premier Silver Priority Health · HMO | $535 | $683 | $1,451 | $5,500 | $9,500 | $30 |
| MyPriority Balanced Silver Priority Health · HMO | $551 | $705 | $1,496 | $3,200 | $9,000 | $30 |
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan · HMO | $571 | $730 | $1,551 | $5,800 | $7,650 | $60 |
| MyPriority Standard Silver Priority Health · HMO | $572 | $731 | $1,552 | $6,000 | $8,900 | $40 |
| MHP Silver Exchange Rewards McLaren Health Plan Community · HMO | $611 | $781 | $1,658 | $2,000 | $9,000 | No Charge after Deductible |
| MHP Silver Exchange McLaren Health Plan Community · HMO | $625 | $799 | $1,696 | $4,250 | $10,150 | $30 |
| MHP Silver Standard McLaren Health Plan Community · HMO | $633 | $809 | $1,717 | $6,000 | $8,900 | $40 |
| Blue Cross® Preferred HMO Silver Blue Care Network of Michigan · HMO | $640 | $818 | $1,737 | $4,500 | $10,600 | $30 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan · HMO | $676 | $864 | $1,835 | $6,000 | $8,900 | $40 |
| MyPriority Standard Silver - Travel Priority Health · HMO | $686 | $877 | $1,863 | $6,000 | $8,900 | $40 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $756 | $966 | $2,051 | $3,900 | $7,700 | $30 Copay after deductible |
| Blue Cross® Premier PPO Silver Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $756 | $966 | $2,051 | $3,200 | $10,100 | $30 Copay after deductible |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $820 | $1,048 | $2,226 | $6,000 | $8,900 | $40 |
Gold plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Standard Gold Ambetter from Meridian · HMO | $492 | $629 | $1,335 | $2,000 | $8,200 | $30 |
| Everyday Gold Ambetter from Meridian · HMO | $500 | $639 | $1,356 | $800 | $7,250 | $35 |
| Standard Gold + Vision + Adult Dental Ambetter from Meridian · HMO | $510 | $652 | $1,384 | $2,000 | $8,200 | $30 |
| Everyday Gold + Vision + Adult Dental Ambetter from Meridian · HMO | $518 | $662 | $1,406 | $800 | $7,250 | $35 |
| Elite Gold Ambetter from Meridian · HMO | $564 | $720 | $1,530 | $0 | $6,500 | $5 |
| Elite Gold + Vision + Adult Dental Ambetter from Meridian · HMO | $584 | $747 | $1,586 | $0 | $6,500 | $5 |
| MHP Gold McLaren Health Plan Community · HMO | $632 | $807 | $1,714 | $2,100 | $8,000 | $30 |
| MHP Gold Standard McLaren Health Plan Community · HMO | $637 | $814 | $1,730 | $2,000 | $8,200 | $30 |
| MyPriority Standard Gold Priority Health · HMO | $682 | $872 | $1,852 | $2,000 | $8,200 | $30 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan · HMO | $698 | $892 | $1,895 | $2,050 | $8,800 | $30 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan · HMO | $725 | $927 | $1,968 | $2,000 | $8,200 | $30 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $853 | $1,091 | $2,316 | $1,450 | $9,000 | $30 Copay after deductible |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $952 | $1,217 | $2,584 | $2,000 | $8,200 | $30 |
Catastrophic plans
| Plan | Age 21 | Age 40 | Age 60 | Deductible | Out-of-pocket max | Doctor visit |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan · HMO | $367 | $470 | $997 | $10,600 | $10,600 | $30 |
| MHP Young Adult/Catastrophic McLaren Health Plan Community · HMO | $372 | $476 | $1,010 | $10,600 | $10,600 | No Charge after Deductible |
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO | $404 | $517 | $1,097 | $10,600 | $10,600 | $30 |
Care quality in Montcalm County
Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.
Turning 65?
Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Montcalm County.
Frequently asked questions
How many Marketplace health plans are available in Montcalm County, MI for 2026?
45 plans from 5 insurers: Ambetter from Meridian, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health.
What is the benchmark silver plan premium in Montcalm County, MI?
For 2026, the second-lowest-cost silver plan costs $596 a month for a 40-year-old before tax credits, up 38.3% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.
What is the cheapest health plan in Montcalm County, MI?
The lowest bronze premium for a 40-year-old is $489 a month before tax credits. Bronze plans have low premiums but high deductibles.
Did any insurers leave Montcalm County, MI?
Molina Healthcare, University of Michigan Health Plan offered plans here in 2025 but don't for 2026. If you had one of their plans, you'll need to pick a new plan during open enrollment, or you may be moved to a similar plan automatically.