ACA plans available
64
Plan year
2026 data Public-data reference. official source
Oakland, Michigan Health Insurance
Open-data reference.
64 ACA plans from 5 issuers — Plan year 2026
Oakland, Michigan offers 64 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $283/mo and Silver plans start at $412/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$515
Avg Silver Premium/mo
$416
Benchmark Premium/mo
+40.8%
Year-over-Year Change
$5,948
Avg Deductible
What the Numbers Say About Oakland
Oakland, Michigan has 64 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $515/mo for a 27-year-old non-tobacco user, with the lowest Silver at $412 and the highest at $681. Bronze plans start at $283/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $416/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 $5,948 and the average out-of-pocket maximum is $9,253 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Oakland shifted by +40.8%, a signal of how local issuer pricing and risk-pool dynamics are trending.
Issuer count is one of the strongest predictors of affordability: with 5 issuers active in Oakland, consumers have meaningful competition to pressure premiums lower. 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
6 plans$336/mo avg
$283 — $405
Silver
24 plans$515/mo avg
$412 — $681
Gold
13 plans$576/mo avg
$445 — $790
Catastrophic plan available: avg $324/mo (3 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Oakland is $416/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
5
Competitive market
Benchmark Silver
$416 /mo
Sets your subsidy ceiling
Avg deductible
$5,948
Across all metal tiers
Oakland ACA plans by premium and deductible
Each marker is the Oakland 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 Oakland, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Oakland
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Care Network of Michigan | 17 | $442/mo |
| Priority Health | 16 | $453/mo |
| UnitedHealthcare | 13 | $403/mo |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 9 | $566/mo |
| McLaren Health Plan Community | 9 | $491/mo |
All Plans in Oakland
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| Blue Cross® Select HMO Value Blue Care Network of Michigan | Catastrophic | HMO | $294.77 | $359.46 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company | Catastrophic | PPO | $335.51 | $409.14 | $10,600 | $10,600 |
| MHP Young Adult/Catastrophic McLaren Health Plan Community | Catastrophic | HMO | $341.35 | $416.26 | $10,600 | $10,600 |
| Blue Cross® Local HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $283.10 | $345.23 | $10,600 | $10,600 |
| UHC Bronze Essential (No Referrals) UnitedHealthcare | Bronze | HMO | $309.79 | $377.78 | $10,600 | $10,600 |
| Blue Cross® Select HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $314.69 | $383.76 | $10,600 | $10,600 |
| UHC Bronze Essential+ (Dental + Vision, No Referrals) UnitedHealthcare | Bronze | HMO | $324.05 | $395.17 | $10,600 | $10,600 |
| MHP Bronze McLaren Health Plan Community | Bronze | HMO | $377.71 | $460.60 | $8,250 | $10,150 |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company | Bronze | PPO | $405.05 | $493.95 | $10,600 | $10,600 |
| MyPriority Value Bronze Southeast Michigan Network Priority Health | Expanded Bronze | HMO | $310.96 | $379.21 | $9,500 | $9,500 |
| MyPriority Standard Bronze - Southeast Michigan Network Priority Health | Expanded Bronze | HMO | $312.37 | $380.92 | $7,500 | $10,000 |
| Blue Cross® Local HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $320.89 | $391.31 | $7,500 | $10,000 |
| UHC Bronze Standard (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $324.44 | $395.64 | $7,500 | $10,000 |
| MyPriority Value Bronze HSA Southeast Michigan Network Priority Health | Expanded Bronze | HMO | $338.55 | $412.85 | $7,500 | $7,500 |
| UHC Bronze Copay Focus (No Referrals) UnitedHealthcare | Expanded Bronze | HMO | $340.66 | $415.42 | $0 | $10,600 |
| MyPriority Value Bronze Priority Health | Expanded Bronze | HMO | $346.28 | $422.28 | $9,500 | $9,500 |
| MyPriority Standard Bronze Priority Health | Expanded Bronze | HMO | $347.85 | $424.19 | $7,500 | $10,000 |
| Blue Cross® Select HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $356.37 | $434.58 | $7,500 | $10,000 |
| Blue Cross® Select HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $363.36 | $443.11 | $8,500 | $8,500 |
| MyPriority Value Bronze HSA Priority Health | Expanded Bronze | HMO | $377.00 | $459.73 | $7,500 | $7,500 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $386.54 | $471.38 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $393.81 | $480.23 | $8,500 | $8,500 |
| MyPriority Standard Bronze - Travel Priority Health | Expanded Bronze | HMO | $400.02 | $487.81 | $7,500 | $10,000 |
| MHP Expanded Bronze Standard McLaren Health Plan Community | Expanded Bronze | HMO | $408.06 | $497.61 | $7,500 | $10,000 |
| MHP Bronze Saver (Expanded) McLaren Health Plan Community | Expanded Bronze | HMO | $410.04 | $500.03 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $458.41 | $559.01 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $463.93 | $565.75 | $7,500 | $10,000 |
| Blue Cross® Local HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $412.21 | $502.68 | $5,800 | $7,650 |
| UHC Silver Value (No Referrals) UnitedHealthcare | Silver | HMO | $415.91 | $507.18 | $4,000 | $9,500 |
| UHC Silver Standard (No Referrals) UnitedHealthcare | Silver | HMO | $418.33 | $510.14 | $6,000 | $8,900 |
| UHC Silver Advantage (No Referrals) UnitedHealthcare | Silver | HMO | $421.56 | $514.08 | $2,900 | $10,400 |
| UHC Silver Value+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $430.17 | $524.58 | $4,000 | $9,500 |
| UHC Silver Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare | Silver | HMO | $435.83 | $531.47 | $2,900 | $10,400 |
| MyPriority Balanced Silver Southeast Michigan Network Priority Health | Silver | HMO | $447.80 | $546.08 | $3,200 | $9,000 |
| Blue Cross® Select HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $458.10 | $558.64 | $5,800 | $7,650 |
| MyPriority Standard Silver - Southeast Michigan Network Priority Health | Silver | HMO | $464.54 | $566.49 | $6,000 | $8,900 |
| MyPriority Premier Silver Priority Health | Silver | HMO | $483.51 | $589.62 | $5,500 | $9,500 |
| Blue Cross® Local HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $487.74 | $594.78 | $6,000 | $8,900 |
| MyPriority Balanced Silver Priority Health | Silver | HMO | $498.66 | $608.10 | $3,200 | $9,000 |
| Blue Cross® Select HMO Silver Blue Care Network of Michigan | Silver | HMO | $513.08 | $625.68 | $4,500 | $10,600 |
| MyPriority Standard Silver Priority Health | Silver | HMO | $517.30 | $630.83 | $6,000 | $8,900 |
| Blue Cross® Select HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $541.69 | $660.57 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Silver Blue Care Network of Michigan | Silver | HMO | $556.21 | $678.27 | $4,500 | $10,600 |
| MHP Silver Exchange Rewards McLaren Health Plan Community | Silver | HMO | $560.31 | $683.27 | $2,000 | $9,000 |
| MHP Silver Exchange McLaren Health Plan Community | Silver | HMO | $573.11 | $698.89 | $4,250 | $10,150 |
| MHP Silver Standard McLaren Health Plan Community | Silver | HMO | $580.31 | $707.67 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $587.57 | $716.52 | $6,000 | $8,900 |
| MyPriority Standard Silver - Travel Priority Health | Silver | HMO | $620.76 | $757.00 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $627.20 | $764.84 | $3,900 | $7,700 |
| Blue Cross® Premier PPO Silver Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $627.28 | $764.95 | $3,200 | $10,100 |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $680.62 | $830.00 | $6,000 | $8,900 |
| UHC Gold Standard (No Referrals) UnitedHealthcare | Gold | HMO | $445.10 | $542.78 | $2,000 | $8,200 |
| UHC Gold Advantage (No Referrals) UnitedHealthcare | Gold | HMO | $448.76 | $547.24 | $1,500 | $7,800 |
| UHC Gold Copay Focus (No Referrals) UnitedHealthcare | Gold | HMO | $456.92 | $557.20 | $0 | $8,000 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) UnitedHealthcare | Gold | HMO | $463.02 | $564.64 | $1,500 | $7,800 |
| MyPriority Standard Gold Southeast Michigan Network Priority Health | Gold | HMO | $554.09 | $675.69 | $2,000 | $8,200 |
| MHP Gold McLaren Health Plan Community | Gold | HMO | $579.14 | $706.24 | $2,100 | $8,000 |
| MHP Gold Standard McLaren Health Plan Community | Gold | HMO | $584.43 | $712.70 | $2,000 | $8,200 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan | Gold | HMO | $606.95 | $740.15 | $2,050 | $8,800 |
| MyPriority Enhanced Gold Southeast Michigan Network Priority Health | Gold | HMO | $608.35 | $741.87 | $0 | $9,200 |
| MyPriority Standard Gold Priority Health | Gold | HMO | $617.03 | $752.45 | $2,000 | $8,200 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan | Gold | HMO | $630.15 | $768.45 | $2,000 | $8,200 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $708.21 | $863.63 | $1,450 | $9,000 |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $790.07 | $963.46 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $297/mo | $237 | $484 | 52 | 8 |
| 2023 | $319/mo | $252 | $459 | 55 | 8 |
| 2024 | $343/mo | $270 | $487 | 41 | 7 |
| 2025 | $373/mo | $270 | $541 | 44 | 8 |
| 2026 | $515/mo | $412 | $681 | 24 | 5 |
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
Hospital Quality Ratings
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 Oakland, MI?
There are 64 ACA marketplace plans available in Oakland from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Oakland?
The lowest-premium plan in Oakland starts at $283/mo (Bronze tier, age 27). Silver plans start at $412/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Oakland?
The benchmark (second-lowest Silver) premium in Oakland is $416/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 Oakland?
Average premiums in Oakland changed by +40.8% 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 Oakland?
The average annual deductible across all plans in Oakland is $5,948, and the average out-of-pocket maximum is $9,253. 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 Oakland?
There are 5 insurance issuers offering ACA marketplace plans in Oakland, including Blue Care Network of Michigan, Priority Health, UnitedHealthcare, 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.
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
