ACA plans available
16
Plan year
2026 data Public-data reference. official source
Menominee, Michigan Health Insurance
Open-data reference.
16 ACA plans from 2 issuers — Plan year 2026
Menominee, Michigan offers 16 ACA marketplace plans from 2 issuers for plan year 2026. Bronze plans start at $433/mo and Silver plans start at $631/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$735
Avg Silver Premium/mo
$746
Benchmark Premium/mo
+26.6%
Year-over-Year Change
$6,475
Avg Deductible
What the Numbers Say About Menominee
Menominee, Michigan has 16 ACA marketplace plans offered by 2 issuers for plan year 2026. The average Silver-tier premium comes in at $735/mo for a 27-year-old non-tobacco user, with the lowest Silver at $631 and the highest at $814. Bronze plans start at $433/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $746/mo, the figure the IRS uses to calculate your Advance Premium Tax Credit. Enrollees whose expected income-based contribution falls below this amount receive a subsidy for the difference. Across all plans, the average annual deductible is $6,475 and the average out-of-pocket maximum is $9,172 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Menominee shifted by +26.6%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 2 issuers active in Menominee, consumers have some competitive choice, though narrower than the most competitive counties. 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
2 plans$459/mo avg
$433 — $484
Silver
4 plans$735/mo avg
$631 — $814
Gold
4 plans$841/mo avg
$771 — $944
Catastrophic plan available: avg $403/mo (2 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Menominee is $746/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
2
Some competition
Benchmark Silver
$746 /mo
Sets your subsidy ceiling
Avg deductible
$6,475
Across all metal tiers
Menominee ACA plans by premium and deductible
Each marker is the Menominee average for one metal tier (and the local Bronze low / Silver high extremes where data is available). The dashed line marks the federal out-of-pocket-maximum ceiling.
Source: CMS Marketplace PUF for Menominee, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Menominee
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 8 | $668/mo |
| Blue Care Network of Michigan | 8 | $597/mo |
All Plans in Menominee
| 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 | $401.07 | $489.09 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan | Catastrophic | HMO | $405.66 | $494.69 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $433.11 | $528.16 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company | Bronze | PPO | $484.21 | $590.47 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $490.94 | $598.68 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $500.16 | $609.93 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $547.99 | $668.25 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $554.59 | $676.30 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $630.68 | $769.09 | $5,800 | $7,650 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $746.25 | $910.03 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $749.76 | $914.31 | $3,900 | $7,700 |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $813.64 | $992.20 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan | Gold | HMO | $770.86 | $940.03 | $2,050 | $8,800 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan | Gold | HMO | $800.33 | $975.97 | $2,000 | $8,200 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $846.60 | $1,032.39 | $1,450 | $9,000 |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $944.47 | $1,151.75 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $518/mo | $501 | $535 | 2 | 2 |
| 2023 | $542/mo | $480 | $579 | 4 | 2 |
| 2024 | $558/mo | $487 | $607 | 4 | 2 |
| 2025 | $611/mo | $526 | $679 | 4 | 2 |
| 2026 | $735/mo | $631 | $814 | 4 | 2 |
Health Insurance Guides
Choosing a Metal Level
Bronze vs Silver vs Gold vs Platinum — which tier fits your needs and budget
Understanding ACA Subsidies
How premium tax credits work and how to estimate your subsidy amount
Related Health & Cost Data
Find Doctors
PlainDoctor — Healthcare providers in Michigan
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PlainHospital — CMS star ratings and safety scores
Medicare Plans
PlainMedicare — Medicare Advantage and Part D data
Community Health Data
PlainHealth — CDC community health indicators
Health Access Metrics
PlainHealthAccess — Uninsured rates and provider shortages
Cost of Living
PlainCost — BEA regional price parities
Homeowners Insurance
PlainInsure — Treasury FIO premiums
Frequently Asked Questions
How many ACA plans are available in Menominee, MI?
There are 16 ACA marketplace plans available in Menominee from 2 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Menominee?
The lowest-premium plan in Menominee starts at $433/mo (Bronze tier, age 27). Silver plans start at $631/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Menominee?
The benchmark (second-lowest Silver) premium in Menominee is $746/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 Menominee?
Average premiums in Menominee changed by +26.6% 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 Menominee?
The average annual deductible across all plans in Menominee is $6,475, and the average out-of-pocket maximum is $9,172. 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 Menominee?
There are 2 insurance issuers offering ACA marketplace plans in Menominee, 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.
All federal data sources used on this page
- U.S. Census Bureau ACS — demographic + housing + income data. census.gov/programs-surveys/acs
- BLS Occupational Employment and Wage Statistics (OEWS) — wage + employment by occupation. bls.gov/oes
- BEA Regional Economic Accounts — GDP + personal income by state/metro. bea.gov/data/regional
- U.S. Census Bureau County Business Patterns — establishment + employment by industry. census.gov/cbp
- IRS Statistics of Income (SOI) — tax-return aggregate data. irs.gov/statistics
- data.gov — U.S. federal open-data portal — discovery layer for additional federal sources. data.gov
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainHealthPlan Editorial
