ACA plans available
16
Plan year 2026
CMS Marketplace county · plan year 2026
Chippewa, Michigan ACA premiums
County-level marketplace aggregates from CMS Public Use Files. Listed rates are age-27 premiums unless noted.
Data updated 2026-08-30
- $622
- Silver avg/mo
- 16
- ACA plans
- 2
- Issuers
- +25.5%
- YoY premium
Silver avg $622/mo
Chippewa, Michigan has 16 ACA marketplace plans from 2 issuers (plan year 2026). Average Silver premium is $622/mo; Bronze averages $425/mo and Gold $712/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1156 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $626/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Chippewa, Michigan ranks #1,156 of 2,055 counties by listed Silver average ($622/mo) and #1,955 of 2,055 by plan count (16 plans).
- #1,156 of 2,055
- Silver average among 2,055 counties
- $622
- Listed Silver average /mo
- #1,955 of 2,055
- Plan count among 2,055 counties
- 16
- Listed ACA plans in this county
Highest listed Silver average = #1. Most listed plans = #1. County of residence still governs which plans CMS files for that FIPS.
Chippewa, Michigan offers 16 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $363/mo and Silver plans start at $529/mo (age 27 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$622
Avg Silver Premium/mo
$626
Benchmark Premium/mo
+25.5%
Year-over-Year Change
$6,475
Avg Deductible
Thin plan inventory
Chippewa marketplace standing
16 plans: bottom-third inventory vs other tracked counties. Corpus place #1156 of 2055 (highest Silver = #1).
Mid-pack Silver avg $622/mo with 16 plans . YoY average shift: +25.5%. Network types split fairly evenly here between HMO and PPO, so comparing referral rules and out-of-network coverage across those two matters as much as comparing metal tiers.
Source: CMS Marketplace Public Use Files, plan year 2026. Informational only; confirm options at HealthCare.gov. How we place counties.
Premiums by Metal Level
Bronze-tier cards fold CMS Expanded Bronze into Bronze (same population as county_trends and methodology). Plan rows and the premium-vs-deductible chart below keep the CMS source label.
Bronze
6 plans$425/mo avg
$363 - $473
Silver
4 plans$622/mo avg
$529 - $694
Gold
4 plans$712/mo avg
$647 - $806
Catastrophic plan available: avg $341/mo (2 plans) - only for individuals under 30 or with a hardship exemption.
Benchmark premium & subsidies
The benchmark (second-lowest Silver) premium in Chippewa is $626/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.
Issuers in market
2
Some competition
Benchmark Silver
$626 /mo
Sets your subsidy ceiling
Avg deductible
$6,475
Across all metal tiers
F
Marketplace Access Score
24/100
Chippewa
Based on benchmark premium, plan and issuer counts, and average deductible across 2,055 tracked ACA marketplace counties, not plan quality, network adequacy, or provider access.
Affordability C
$626/mo
Benchmark Silver premium; rank #1156 of 2055 tracked counties (cheapest first)
Plan Choice F
16 plans
ACA marketplace plan count; rank #1955 of 2055 tracked counties (most first)
Issuer Competition F
2 issuers
Distinct marketplace issuers; rank #1690 of 2055 tracked counties (most first)
Cost Predictability F
$6,475
Average deductible across tracked plans; rank #3 of 2055 tracked counties (lowest first)
Chippewa ACA plans by premium and deductible
Each marker is the Chippewa 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.
Chippewa ACA marketplace plans: premium vs deductible
How Chippewa's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Chippewa vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$622 1156th of 2055 higher than 898 of 2,055 counties
Counties, banded by average Silver premium
Each bar is a $1-wide band; taller bars hold more counties. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Marketplace Public Use Files · 2026-08-30
Issuers in Chippewa
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 8 | $570/mo |
| Blue Care Network of Michigan | 8 | $501/mo |
All Plans in Chippewa
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan | Catastrophic | HMO | $340.44 | $415.16 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company | Catastrophic | PPO | $342.08 | $417.15 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $363.48 | $443.25 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company | Bronze | PPO | $412.99 | $503.62 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $412.01 | $502.43 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $419.74 | $511.86 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $467.39 | $569.96 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $473.03 | $576.84 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $529.28 | $645.44 | $5,800 | $7,650 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $626.27 | $763.72 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $639.49 | $779.84 | $3,900 | $7,700 |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $693.96 | $846.27 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan | Gold | HMO | $646.93 | $788.91 | $2,050 | $8,800 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan | Gold | HMO | $671.66 | $819.07 | $2,000 | $8,200 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $722.08 | $880.55 | $1,450 | $9,000 |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $805.56 | $982.35 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $400/mo | $374 | $427 | 2 | 2 |
| 2023 | $427/mo | $383 | $452 | 4 | 2 |
| 2024 | $442/mo | $389 | $479 | 4 | 2 |
| 2025 | $494/mo | $426 | $546 | 4 | 2 |
| 2026 | $622/mo | $529 | $694 | 4 | 2 |
What this means for Chippewa
Use Chippewa's own numbers here, not a national average, before you enroll.
- $622/mo Silver average is mid-pack nationally -- estimate your own subsidy before comparing tiers. Estimate your subsidy
- 16 plans from 2 issuers puts Chippewa in the thinnest third of tracked counties -- check the rest of Michigan for more options. All of Michigan
Averages and tercile bands are CMS Marketplace Public Use File aggregates for this county; your actual premium depends on your age, household income, and chosen plan.
Frequently Asked Questions
Where does Chippewa sit on Silver premiums vs other counties?
Chippewa ranks #1156 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $622/mo. See /methodology#corpus-placement.
Why does Chippewa carry a thin ACA plan book?
Chippewa lists 16 marketplace plans from 2 issuers - a bottom-third inventory vs other tracked counties (plan year 2026).
What is the cheapest health insurance plan in Chippewa?
The lowest-premium plan in Chippewa starts at $363/mo (Bronze tier, age 27). Silver plans start at $529/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Chippewa?
The benchmark (second-lowest Silver) premium in Chippewa is $626/mo for a 27-year-old. This amount determines how much premium tax credit subsidy you may be eligible for.
Why did Chippewa premiums rise +25.5% year-over-year?
The average age-27 premium in Chippewa changed by +25.5% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
How limited is issuer competition in Chippewa?
Only 2 issuers sell marketplace plans in Chippewa (Blue Cross Blue Shield of Michigan Mutual Insurance Company and Blue Care Network of Michigan). Narrow competition often correlates with higher benchmark premiums.
Which insurance companies offer plans in Chippewa?
There are 2 insurance issuers offering ACA marketplace plans in Chippewa, including Blue Cross Blue Shield of Michigan Mutual Insurance Company, Blue Care Network of Michigan. 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 Chippewa, MI's $626/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Data sources
Data sourced from the CMS Health Insurance Marketplace Public Use Files. See our methodology for details. Retrieved and formatted by PlainHealthPlan
PlainHealthPlan is rendered directly from CMS Health Insurance Marketplace Public Use Files, no number is typed in by an editor. Plan and premium figures for this county come from the live CMS Marketplace PUF aggregates. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of August 2026.