ACA plans available
40
Plan year 2026
2026 data Public-data reference. official source
Branch, Michigan Health Insurance
Open-data reference.
40 ACA plans from 4 issuers - Plan year 2026
Branch, Michigan offers 40 ACA marketplace plans from 4 issuers for plan year 2026. Bronze plans start at $346/mo and Silver plans start at $465/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$598
Avg Silver Premium/mo
$467
Benchmark Premium/mo
+19.6%
Year-over-Year Change
$5,776
Avg Deductible
What the Numbers Say About Branch
Branch, Michigan has 40 ACA marketplace plans offered by 4 issuers for plan year 2026. The average Silver-tier premium comes in at $598/mo for a 27-year-old non-tobacco user, with the lowest Silver at $465 and the highest at $772. Bronze plans start at $346/mo, useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $467/mo, the figure used to calculate your Advance Premium Tax Credit (the federal subsidy). Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $5,776 and the average out-of-pocket maximum is $9,281 - numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Branch shifted by +19.6%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 4 issuers active in Branch, consumers have meaningful competition to pressure premiums lower. The local market is heavily HMO-dominated -- shoppers who specifically want a PPO network have only a handful of plans to choose from here. This page is informational only and is not insurance, medical, or tax advice, verify your eligibility, network coverage, and final pricing at HealthCare.gov before enrolling. Source: CMS Marketplace PUF, plan year 2026.
Premiums by Metal Level
Bronze
4 plans$384/mo avg
$346 - $417
Silver
15 plans$598/mo avg
$465 - $772
Gold
9 plans$647/mo avg
$497 - $814
Catastrophic plan available: avg $364/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Branch is $467/mo for a 27-year-old. This is the amount used to calculate your premium tax credit. If your expected contribution (based on income) is less than the benchmark, you receive a subsidy for the difference. The higher the benchmark, the larger the potential subsidy.
Issuers in market
4
Competitive market
Benchmark Silver
$467 /mo
Sets your subsidy ceiling
Avg deductible
$5,776
Across all metal tiers
Branch ACA plans by premium and deductible
Each marker is the Branch average for one metal tier, monthly premium (age 27) plotted against the average annual deductible, both computed directly from this county's plans. The classic ACA tradeoff is visible: lower-premium Bronze tiers carry the highest deductibles, while Gold and Platinum invert it.
Source: CMS Marketplace Public Use Files for Branch, plan year 2026. Each point is the county average for one metal tier (premium age 27 vs average annual deductible).
Issuers in Branch
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| UnitedHealthcare | 13 | $450/mo |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 9 | $583/mo |
| Priority Health | 9 | $582/mo |
| Blue Care Network of Michigan | 9 | $575/mo |
All Plans in Branch
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company | Catastrophic | PPO | $345.55 | $421.38 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan | Catastrophic | HMO | $382.87 | $466.89 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $346.06 | $422.01 | $10,600 | $10,600 |
| UHC Bronze Essential+ (Dental + Vision, No Referrals) UnitedHealthcare | Bronze | HMO | $361.99 | $441.44 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $408.76 | $498.47 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company | Bronze | PPO | $417.17 | $508.72 | $10,600 | $10,600 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $362.43 | $441.97 | $7,500 | $10,000 |
| UHC Bronze Copay Focus (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $380.54 | $464.06 | $0 | $10,600 |
| MyPriority Value Bronze Priority Health | Expanded Bronze | HMO | $430.69 | $525.21 | $9,500 | $9,500 |
| MyPriority Standard Bronze Priority Health | Expanded Bronze | HMO | $432.64 | $527.58 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $463.34 | $565.03 | $7,500 | $10,000 |
| MyPriority Value Bronze HSA Priority Health | Expanded Bronze | HMO | $468.89 | $571.79 | $7,500 | $7,500 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $472.04 | $575.64 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $472.12 | $575.74 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $477.81 | $582.68 | $7,500 | $10,000 |
| MyPriority Standard Bronze - Travel Priority Health | Expanded Bronze | HMO | $497.53 | $606.72 | $7,500 | $10,000 |
| UHC Silver Value (No Referrals) UnitedHealthcare | Silver | HMO | $464.60 | $566.57 | $4,000 | $9,500 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $467.31 | $569.87 | $6,000 | $8,900 |
| UHC Silver Advantage (No Referrals) UnitedHealthcare | Silver | HMO | $470.92 | $574.27 | $2,900 | $10,400 |
| UHC Silver Value+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $480.54 | $586.00 | $4,000 | $9,500 |
| UHC Silver Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $486.86 | $593.70 | $2,900 | $10,400 |
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $595.23 | $725.87 | $5,800 | $7,650 |
| MyPriority Premier Silver Priority Health | Silver | HMO | $601.35 | $733.33 | $5,500 | $9,500 |
| MyPriority Balanced Silver Priority Health | Silver | HMO | $620.21 | $756.32 | $3,200 | $9,000 |
| MyPriority Standard Silver Priority Health | Silver | HMO | $643.39 | $784.59 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $645.97 | $787.73 | $3,900 | $7,700 |
| Blue Cross® Premier PPO Silver Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $646.05 | $787.84 | $3,200 | $10,100 |
| Blue Cross® Preferred HMO Silver Blue Care Network of Michigan | Silver | HMO | $666.71 | $813.03 | $4,500 | $10,600 |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $700.99 | $854.83 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $704.31 | $858.88 | $6,000 | $8,900 |
| MyPriority Standard Silver - Travel Priority Health | Silver | HMO | $772.07 | $941.52 | $6,000 | $8,900 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $497.22 | $606.34 | $2,000 | $8,200 |
| UHC Gold Advantage (No Referrals) UnitedHealthcare | Gold | HMO | $501.30 | $611.32 | $1,500 | $7,800 |
| UHC Gold Copay Focus (No Referrals) UnitedHealthcare | Gold | HMO | $510.42 | $622.44 | $0 | $8,000 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $517.24 | $630.75 | $1,500 | $7,800 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan | Gold | HMO | $727.53 | $887.20 | $2,050 | $8,800 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $729.39 | $889.46 | $1,450 | $9,000 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan | Gold | HMO | $755.34 | $921.11 | $2,000 | $8,200 |
| MyPriority Standard Gold Priority Health | Gold | HMO | $767.42 | $935.84 | $2,000 | $8,200 |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $813.71 | $992.29 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $438/mo | $349 | $513 | 11 | 3 |
| 2023 | $451/mo | $373 | $529 | 12 | 3 |
| 2024 | $471/mo | $403 | $529 | 11 | 3 |
| 2025 | $535/mo | $480 | $639 | 10 | 3 |
| 2026 | $598/mo | $465 | $772 | 15 | 4 |
Frequently Asked Questions
How many ACA plans are available in Branch, MI?
There are 40 ACA marketplace plans available in Branch from 4 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Branch?
The lowest-premium plan in Branch starts at $346/mo (Bronze tier, age 27). Silver plans start at $465/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Branch?
The benchmark (second-lowest Silver) premium in Branch is $467/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
How have premiums changed in Branch?
Average premiums in Branch changed by +19.6% year-over-year. Premium trends are tracked from 2022 to 2026 across all metal levels.
What is the average deductible and out-of-pocket maximum in Branch?
The average annual deductible across all plans in Branch is $5,776, and the average out-of-pocket maximum is $9,281. Bronze plans generally have higher deductibles but lower premiums, while Gold and Platinum plans have lower deductibles but higher monthly costs.
Which insurance companies offer plans in Branch?
There are 4 insurance issuers offering ACA marketplace plans in Branch, including UnitedHealthcare, Blue Cross Blue Shield of Michigan Mutual Insurance Company, Priority Health, and others. Competition among issuers affects plan variety and pricing. More issuers generally mean more choices and potentially lower premiums.
Disclaimer
This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are for a 27-year-old non-tobacco user unless otherwise noted. Your actual premium depends on age, location, tobacco use, and subsidy eligibility. Visit HealthCare.gov for official enrollment. Source: CMS Marketplace PUF, PY2026.
Read our methodology - how this data is sourced, computed, and verified.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Branch, MI's $467/mo benchmark premium.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
