What health insurance costs without a subsidy in Monroe County, Michigan (2026)
In Monroe County, Michigan, the benchmark silver plan costs $510.76/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $363.02 to $963.56. A 60-year-old pays at least $770.91/month, a 21-year-old at least $284.05. 4 insurers offer 46 plans, according to the CMS PY2026 QHP Landscape.
Last verified 2026-07-18 · Published by Private Health Insurance Direct Answers · Licensed under Citation License 1.0
Cost by age (2026, before subsidy)
- Age 21 — starting at $284.05/mo
- Age 40 — starting at $363.02/mo
- Age 60 — starting at $770.91/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $378.23/mo
- Silver — starting at $507.80/mo
- Gold — starting at $543.44/mo
Deductibles & out-of-pocket (2026)
- Deductibles range from $0 to $10,600
- Highest out-of-pocket maximum on file: $10,600
Who sells plans here
Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, Priority Health, UnitedHealthcare
The subsidy cliff
In 2026 the enhanced ARP/IRA premium tax credits expire, so households above roughly 400% of the federal poverty level get zero subsidy and pay the full sticker prices listed above. Households under the cliff usually pay far less than sticker — how much less depends on income, household size, and county benchmark.
Not affiliated with the U.S. government. Informational only — see the full disclaimer in the footer.
Sources
- CMS PY2026 QHP Landscape — Individual Market Medical — county-level premiums, deductibles, out-of-pocket maximums, and issuer/plan counts for Monroe County (FIPS 26115).
- HealthCare.gov — the authoritative marketplace for enrollment and exact quoted pricing.
- Methodology — how we source, interpret, and label these figures.
Related counties in Michigan
- Alger County — $910.03/mo benchmark
- Baraga County — $910.03/mo benchmark
- Delta County — $910.03/mo benchmark
- Dickinson County — $910.03/mo benchmark
- Gogebic County — $910.03/mo benchmark
Plans available in this county (46)
- UHC Bronze Essential (No Referrals) — Bronze · $378.23/mo @ 40
- Blue Cross® Select HMO Bronze Secure — Bronze · $387.54/mo @ 40
- UHC Bronze Essential+ (Dental + Vision, No Referrals) — Bronze · $395.65/mo @ 40
- Blue Cross® Preferred HMO Bronze Secure — Bronze · $419.96/mo @ 40
- Blue Cross® Premier PPO Bronze Secure — Bronze · $494.00/mo @ 40
- Blue Cross® Select HMO Value — Catastrophic · $363.02/mo @ 40
- Blue Cross® Premier PPO Value — Catastrophic · $409.18/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $396.12/mo @ 40
- UHC Bronze Copay Focus (No Referrals) — Expanded Bronze · $415.92/mo @ 40
- Blue Cross® Select HMO Bronze Extra — Expanded Bronze · $438.87/mo @ 40
- MyPriority Value Bronze — Expanded Bronze · $446.83/mo @ 40
- Blue Cross® Select HMO Bronze Saver HSA — Expanded Bronze · $447.48/mo @ 40
- MyPriority Standard Bronze — Expanded Bronze · $448.83/mo @ 40
- Blue Cross® Preferred HMO Bronze Extra — Expanded Bronze · $476.03/mo @ 40
- Blue Cross® Preferred HMO Bronze Saver HSA — Expanded Bronze · $484.98/mo @ 40
- MyPriority Value Bronze HSA — Expanded Bronze · $486.46/mo @ 40
- MyPriority Standard Bronze - Travel — Expanded Bronze · $516.16/mo @ 40
- Blue Cross® Premier PPO Bronze Saver HSA — Expanded Bronze · $559.06/mo @ 40
- Blue Cross® Premier PPO Bronze Extra — Expanded Bronze · $565.81/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $543.44/mo @ 40
- UHC Gold Advantage (No Referrals) — Gold · $547.91/mo @ 40
- UHC Gold Copay Focus (No Referrals) — Gold · $557.87/mo @ 40
- UHC Gold Advantage+ (Dental + Vision, No Referrals) — Gold · $565.32/mo @ 40
- Blue Cross® Preferred HMO Gold — Gold · $747.46/mo @ 40
- Blue Cross® Preferred HMO Gold Extra — Gold · $776.03/mo @ 40
- MyPriority Standard Gold — Gold · $796.17/mo @ 40
- Blue Cross® Premier PPO Gold — Gold · $863.71/mo @ 40
- Blue Cross® Premier PPO Gold Extra — Gold · $963.56/mo @ 40
- UHC Silver Value (No Referrals) — Silver · $507.80/mo @ 40
- UHC Silver Standard (No Referrals) — Silver · $510.76/mo @ 40
- UHC Silver Advantage (No Referrals) — Silver · $514.70/mo @ 40
- UHC Silver Value+ (Dental + Vision, No Referrals) — Silver · $525.21/mo @ 40
- UHC Silver Advantage+ (Dental + Vision, No Referrals) — Silver · $532.12/mo @ 40
- Blue Cross® Select HMO Silver Saver — Silver · $564.15/mo @ 40
- Blue Cross® Preferred HMO Silver Saver — Silver · $611.54/mo @ 40
- MyPriority Premier Silver — Silver · $623.88/mo @ 40
- Blue Cross® Select HMO Silver — Silver · $631.86/mo @ 40
- MyPriority Balanced Silver — Silver · $643.45/mo @ 40
- Blue Cross® Select HMO Silver Extra — Silver · $667.09/mo @ 40
- MyPriority Standard Silver — Silver · $667.50/mo @ 40
Showing first 40 of 46 plans on file.
Reviewed by Jason Burns, Editorial Steward.