2026 plan year · Michigan

2026 health insurance plans in Wayne County, MI

64 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.

$508benchmark silver (age 40)
$349cheapest bronze (age 40)
5insurers
+41%benchmark change vs. 2025

Insurer changes from 2025

Leaving: Ambetter from Meridian, HAP CareSource, Molina Healthcare. 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® Local HMO Bronze Secure Blue Care Network of Michigan · HMO	$273	$349	$740	$10,600	$10,600	No Charge after Deductible
UHC Bronze Essential (No Referrals) UnitedHealthcare · HMO	$296	$378	$803	$10,600	$10,600	No Charge after Deductible
Blue Cross® Select HMO Bronze Secure Blue Care Network of Michigan · HMO	$303	$388	$823	$10,600	$10,600	No Charge after Deductible
UHC Bronze Essential+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO	$310	$396	$840	$10,600	$10,600	No Charge after Deductible
Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$387	$494	$1,049	$10,600	$10,600	No Charge after Deductible
MHP Bronze McLaren Health Plan Community · HMO	$445	$568	$1,207	$8,250	$10,150	50% Coinsurance after deductible

Expanded Bronze plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Cross® Local HMO Bronze Extra Blue Care Network of Michigan · HMO	$309	$395	$839	$7,500	$10,000	$50
UHC Bronze Standard (No Referrals) UnitedHealthcare · HMO	$310	$396	$841	$7,500	$10,000	$50
MyPriority Value Bronze Southeast Michigan Network Priority Health · HMO	$314	$401	$852	$9,500	$9,500	$35
MyPriority Standard Bronze - Southeast Michigan Network Priority Health · HMO	$315	$403	$856	$7,500	$10,000	$50
UHC Bronze Copay Focus (No Referrals) UnitedHealthcare · HMO	$325	$416	$883	$0	$10,600	$50
MyPriority Value Bronze HSA Southeast Michigan Network Priority Health · HMO	$342	$437	$928	$7,500	$7,500	No Charge after Deductible
Blue Cross® Select HMO Bronze Extra Blue Care Network of Michigan · HMO	$343	$439	$932	$7,500	$10,000	$50
MyPriority Value Bronze Priority Health · HMO	$350	$447	$949	$9,500	$9,500	$35
Blue Cross® Select HMO Bronze Saver HSA Blue Care Network of Michigan · HMO	$350	$447	$950	$8,500	$8,500	No Charge after Deductible
MyPriority Standard Bronze Priority Health · HMO	$351	$449	$953	$7,500	$10,000	$50
Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan · HMO	$372	$476	$1,011	$7,500	$10,000	$50
Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan · HMO	$379	$485	$1,030	$8,500	$8,500	No Charge after Deductible
MyPriority Value Bronze HSA Priority Health · HMO	$381	$486	$1,033	$7,500	$7,500	No Charge after Deductible
MyPriority Standard Bronze - Travel Priority Health · HMO	$404	$516	$1,096	$7,500	$10,000	$50
Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$437	$559	$1,187	$8,500	$8,500	No Charge after Deductible
Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$443	$566	$1,202	$7,500	$10,000	$50
MHP Expanded Bronze Standard McLaren Health Plan Community · HMO	$480	$614	$1,304	$7,500	$10,000	$50
MHP Bronze Saver (Expanded) McLaren Health Plan Community · HMO	$483	$617	$1,310	$8,500	$8,500	No Charge after Deductible

Silver plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Cross® Local HMO Silver Saver Blue Care Network of Michigan · HMO	$397	$508	$1,078	$5,800	$7,650	$60
UHC Silver Value (No Referrals) UnitedHealthcare · HMO	$397	$508	$1,078	$4,000	$9,500	$35
UHC Silver Standard (No Referrals) UnitedHealthcare · HMO	$400	$511	$1,085	$6,000	$8,900	$40
UHC Silver Advantage (No Referrals) UnitedHealthcare · HMO	$403	$515	$1,093	$2,900	$10,400	$30
UHC Silver Value+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO	$411	$525	$1,115	$4,000	$9,500	$35
UHC Silver Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO	$416	$532	$1,130	$2,900	$10,400	$30
Blue Cross® Select HMO Silver Saver Blue Care Network of Michigan · HMO	$441	$564	$1,198	$5,800	$7,650	$60
MyPriority Balanced Silver Southeast Michigan Network Priority Health · HMO	$452	$578	$1,227	$3,200	$9,000	$30
MyPriority Standard Silver - Southeast Michigan Network Priority Health · HMO	$469	$599	$1,273	$6,000	$8,900	$40
Blue Cross® Local HMO Silver Extra Blue Care Network of Michigan · HMO	$470	$601	$1,276	$6,000	$8,900	$40
MyPriority Premier Silver Priority Health · HMO	$488	$624	$1,325	$5,500	$9,500	$30
Blue Cross® Select HMO Silver Blue Care Network of Michigan · HMO	$494	$632	$1,342	$4,500	$10,600	$30
MyPriority Balanced Silver Priority Health · HMO	$503	$643	$1,366	$3,200	$9,000	$30
Blue Cross® Select HMO Silver Extra Blue Care Network of Michigan · HMO	$522	$667	$1,417	$6,000	$8,900	$40
MyPriority Standard Silver Priority Health · HMO	$522	$668	$1,418	$6,000	$8,900	$40
Blue Cross® Preferred HMO Silver Blue Care Network of Michigan · HMO	$536	$685	$1,455	$4,500	$10,600	$30
Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan · HMO	$566	$724	$1,537	$6,000	$8,900	$40
Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$599	$765	$1,624	$3,900	$7,700	$30 Copay after deductible
Blue Cross® Premier PPO Silver Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$599	$765	$1,625	$3,200	$10,100	$30 Copay after deductible
MyPriority Standard Silver - Travel Priority Health · HMO	$627	$801	$1,701	$6,000	$8,900	$40
Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$650	$830	$1,763	$6,000	$8,900	$40
MHP Silver Exchange Rewards McLaren Health Plan Community · HMO	$660	$843	$1,791	$2,000	$9,000	No Charge after Deductible
MHP Silver Exchange McLaren Health Plan Community · HMO	$675	$862	$1,831	$4,250	$10,150	$30
MHP Silver Standard McLaren Health Plan Community · HMO	$683	$873	$1,854	$6,000	$8,900	$40

Gold plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
UHC Gold Standard (No Referrals) UnitedHealthcare · HMO	$425	$543	$1,154	$2,000	$8,200	$30
UHC Gold Advantage (No Referrals) UnitedHealthcare · HMO	$429	$548	$1,164	$1,500	$7,800	$25
UHC Gold Copay Focus (No Referrals) UnitedHealthcare · HMO	$437	$558	$1,185	$0	$8,000	$20
UHC Gold Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare · HMO	$442	$565	$1,201	$1,500	$7,800	$25
MyPriority Standard Gold Southeast Michigan Network Priority Health · HMO	$559	$715	$1,518	$2,000	$8,200	$30
Blue Cross® Preferred HMO Gold Blue Care Network of Michigan · HMO	$585	$747	$1,587	$2,050	$8,800	$30
Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan · HMO	$607	$776	$1,648	$2,000	$8,200	$30
MyPriority Enhanced Gold Southeast Michigan Network Priority Health · HMO	$614	$785	$1,667	$0	$9,200	$20
MyPriority Standard Gold Priority Health · HMO	$623	$796	$1,691	$2,000	$8,200	$30
Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$676	$864	$1,834	$1,450	$9,000	$30 Copay after deductible
MHP Gold McLaren Health Plan Community · HMO	$682	$871	$1,851	$2,100	$8,000	$30
MHP Gold Standard McLaren Health Plan Community · HMO	$688	$879	$1,868	$2,000	$8,200	$30
Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$754	$964	$2,046	$2,000	$8,200	$30

Catastrophic plans

Plan	Age 21	Age 40	Age 60	Deductible	Out-of-pocket max	Doctor visit
Blue Cross® Select HMO Value Blue Care Network of Michigan · HMO	$284	$363	$771	$10,600	$10,600	$30
Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company · PPO	$320	$409	$869	$10,600	$10,600	$30
MHP Young Adult/Catastrophic McLaren Health Plan Community · HMO	$402	$514	$1,091	$10,600	$10,600	No Charge after Deductible

Care quality in Wayne County

Marketplace plans use networks. Check that the hospitals and doctors you'd want are in network, and how they're rated.

Home Health Agencies in Wayne County (64)
Nursing Homes in Wayne County (63)
Hospitals in Wayne County (21)
Hospices in Wayne County (17)

Turning 65?

Marketplace plans are for people who aren't on Medicare. See Medicare Advantage plans in Wayne County.

Frequently asked questions

How many Marketplace health plans are available in Wayne County, MI for 2026?

64 plans from 5 insurers: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health, UnitedHealthcare.

What is the benchmark silver plan premium in Wayne County, MI?

For 2026, the second-lowest-cost silver plan costs $508 a month for a 40-year-old before tax credits, up 41% from 2025. Tax credits are calculated from this plan, so most people who qualify pay much less.

What is the cheapest health plan in Wayne County, MI?

The lowest bronze premium for a 40-year-old is $349 a month before tax credits. Bronze plans have low premiums but high deductibles.

Did any insurers leave Wayne County, MI?

Ambetter from Meridian, HAP CareSource, Molina Healthcare 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.