ACA plans available
64
Plan year 2026
CMS Marketplace county · plan year 2026
Oakland, 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
- $515
- Silver avg/mo
- 64
- ACA plans
- 5
- Issuers
- +30.7%
- YoY premium
Silver avg $515/mo
Oakland, Michigan has 64 ACA marketplace plans from 5 issuers (plan year 2026). Average Silver premium is $515/mo; Bronze averages $361/mo and Gold $576/mo. Figures are CMS Marketplace Public Use File county aggregates for age-27 rates.
- County Silver corpus place #1790 of 2055 (highest = #1)
- Benchmark (2nd-lowest Silver) $416/mo
- Plan year 2026 CMS PUF
Silver rank is not plan-count rank
According to CMS Marketplace Public Use Files, Oakland, Michigan ranks #1,790 of 2,055 counties by listed Silver average ($515/mo) and #304 of 2,055 by plan count (64 plans).
- #1,790 of 2,055
- Silver average among 2,055 counties
- $515
- Listed Silver average /mo
- #304 of 2,055
- Plan count among 2,055 counties
- 64
- 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.
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 listed rates). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$515
Avg Silver Premium/mo
$416
Benchmark Premium/mo
+30.7%
Year-over-Year Change
$5,948
Avg Deductible
Lower-premium band
Oakland in the lower-premium third
$515/mo Silver avg sits in the bottom third of tracked federal-marketplace counties. Corpus place #1790 of 2055 (highest Silver = #1).
Floor-to-ceiling Silver runs $412–$681/mo. The local market is heavily HMO-dominated -- shoppers who specifically want a PPO network have only a handful of plans to choose from here.
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
24 plans$361/mo avg
$283 - $464
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 (second-lowest Silver) premium 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.
Issuers in market
5
Competitive market
Benchmark Silver
$416 /mo
Sets your subsidy ceiling
Avg deductible
$5,948
Across all metal tiers
C+
Marketplace Access Score
64/100
Oakland
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 A
$416/mo
Benchmark Silver premium; rank #1790 of 2055 tracked counties (cheapest first)
Plan Choice A
64 plans
ACA marketplace plan count; rank #304 of 2055 tracked counties (most first)
Issuer Competition B+
5 issuers
Distinct marketplace issuers; rank #444 of 2055 tracked counties (most first)
Cost Predictability F
$5,948
Average deductible across tracked plans; rank #58 of 2055 tracked counties (lowest first)
Oakland ACA plans by premium and deductible
Each marker is the Oakland 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.
Oakland ACA marketplace plans: premium vs deductible
How Oakland's Silver premium compares nationwide
2,055 federal-marketplace counties with a tracked Silver average, banded by monthly premium.
Oakland vs 2,055 tracked counties
Average Silver premium (age 27), CMS Marketplace Public Use Files
$515 1790th of 2055 higher than 265 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 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 |
What this means for Oakland
Use Oakland's own numbers here, not a national average, before you enroll.
- $515/mo Silver average sits in the bottom third of tracked counties nationally -- a subsidized Silver plan can already beat Bronze on total cost here. See how subsidies work
- 64 plans from 5 issuers here -- see how that stacks up against the cheapest counties nationwide. See cheapest counties
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
Why is Oakland's Silver premium in the lower band?
Oakland ranks #1790 of 2055 tracked federal-marketplace counties by average Silver premium (highest = #1; CMS PUF sort). Local Silver avg is $515/mo. See /methodology#corpus-placement.
How many ACA plans compete in Oakland?
Oakland carries 64 ACA plans from 5 issuers, putting it in the densest third of county inventories nationwide.
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.
Why did Oakland premiums rise +30.7% year-over-year?
The average age-27 premium in Oakland changed by +30.7% between plan years 2025 and 2026, measured across Bronze, Silver, Gold, Platinum and Catastrophic plans. Premium trends are tracked from 2022 to 2026.
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 issuers compete in Oakland's crowded market?
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.
Counties With a Similar Benchmark Premium
The closest counties nationwide to Oakland, MI's $416/mo benchmark premium.
One of 2,054 counties nationwide with a tracked benchmark premium, 5 are shown here.
Nationwide counties with similar marketplace profiles
Two CMS Marketplace peer sets for Oakland, MI, both outside MI so the neighborhoods are not state containment (the similar-premium list above may still include same-state rating-area siblings). Peers are drawn from counties with ≥20 plans, the rankings-scale corpus.
Similar benchmark premium
Nearest other-state counties by benchmark premium ($416/mo here).
Similar issuer competition
Nearest other-state counties by issuer count (5 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.