What health insurance costs without a subsidy in Oakland County, Michigan (2026)
In Oakland County, Michigan, the benchmark silver plan costs $507.18/month for a 40-year-old in 2026 before any subsidy, with full-price premiums ranging from $345.23 to $963.46. A 60-year-old pays at least $733.13/month, a 21-year-old at least $270.13. 5 insurers offer 64 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 $270.13/mo
- Age 40 — starting at $345.23/mo
- Age 60 — starting at $733.13/mo
Cost by metal level (age 40, 2026)
- Bronze — starting at $345.23/mo
- Silver — starting at $502.68/mo
- Gold — starting at $542.78/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, McLaren Health Plan Community, 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 Oakland County (FIPS 26125).
- 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 (64)
- Blue Cross® Local HMO Bronze Secure — Bronze · $345.23/mo @ 40
- UHC Bronze Essential (No Referrals) — Bronze · $377.78/mo @ 40
- Blue Cross® Select HMO Bronze Secure — Bronze · $383.76/mo @ 40
- UHC Bronze Essential+ (Dental + Vision, No Referrals) — Bronze · $395.17/mo @ 40
- MHP Bronze — Bronze · $460.60/mo @ 40
- Blue Cross® Premier PPO Bronze Secure — Bronze · $493.95/mo @ 40
- Blue Cross® Select HMO Value — Catastrophic · $359.46/mo @ 40
- Blue Cross® Premier PPO Value — Catastrophic · $409.14/mo @ 40
- MHP Young Adult/Catastrophic — Catastrophic · $416.26/mo @ 40
- MyPriority Value Bronze Southeast Michigan Network — Expanded Bronze · $379.21/mo @ 40
- MyPriority Standard Bronze - Southeast Michigan Network — Expanded Bronze · $380.92/mo @ 40
- Blue Cross® Local HMO Bronze Extra — Expanded Bronze · $391.31/mo @ 40
- UHC Bronze Standard (No Referrals) — Expanded Bronze · $395.64/mo @ 40
- MyPriority Value Bronze HSA Southeast Michigan Network — Expanded Bronze · $412.85/mo @ 40
- UHC Bronze Copay Focus (No Referrals) — Expanded Bronze · $415.42/mo @ 40
- MyPriority Value Bronze — Expanded Bronze · $422.28/mo @ 40
- MyPriority Standard Bronze — Expanded Bronze · $424.19/mo @ 40
- Blue Cross® Select HMO Bronze Extra — Expanded Bronze · $434.58/mo @ 40
- Blue Cross® Select HMO Bronze Saver HSA — Expanded Bronze · $443.11/mo @ 40
- MyPriority Value Bronze HSA — Expanded Bronze · $459.73/mo @ 40
- Blue Cross® Preferred HMO Bronze Extra — Expanded Bronze · $471.38/mo @ 40
- Blue Cross® Preferred HMO Bronze Saver HSA — Expanded Bronze · $480.23/mo @ 40
- MyPriority Standard Bronze - Travel — Expanded Bronze · $487.81/mo @ 40
- MHP Expanded Bronze Standard — Expanded Bronze · $497.61/mo @ 40
- MHP Bronze Saver (Expanded) — Expanded Bronze · $500.03/mo @ 40
- Blue Cross® Premier PPO Bronze Saver HSA — Expanded Bronze · $559.01/mo @ 40
- Blue Cross® Premier PPO Bronze Extra — Expanded Bronze · $565.75/mo @ 40
- UHC Gold Standard (No Referrals) — Gold · $542.78/mo @ 40
- UHC Gold Advantage (No Referrals) — Gold · $547.24/mo @ 40
- UHC Gold Copay Focus (No Referrals) — Gold · $557.20/mo @ 40
- UHC Gold Advantage+ (Dental + Vision, No Referrals) — Gold · $564.64/mo @ 40
- MyPriority Standard Gold Southeast Michigan Network — Gold · $675.69/mo @ 40
- MHP Gold — Gold · $706.24/mo @ 40
- MHP Gold Standard — Gold · $712.70/mo @ 40
- Blue Cross® Preferred HMO Gold — Gold · $740.15/mo @ 40
- MyPriority Enhanced Gold Southeast Michigan Network — Gold · $741.87/mo @ 40
- MyPriority Standard Gold — Gold · $752.45/mo @ 40
- Blue Cross® Preferred HMO Gold Extra — Gold · $768.45/mo @ 40
- Blue Cross® Premier PPO Gold — Gold · $863.63/mo @ 40
- Blue Cross® Premier PPO Gold Extra — Gold · $963.46/mo @ 40
Showing first 40 of 64 plans on file.
Reviewed by Jason Burns, Editorial Steward.