ACA plans available
45
Plan year
2026 data Public-data reference. official source
Sanilac, Michigan Health Insurance
Open-data reference.
45 ACA plans from 5 issuers — Plan year 2026
Sanilac, Michigan offers 45 ACA marketplace plans from 5 issuers for plan year 2026. Bronze plans start at $363/mo and Silver plans start at $359/mo (age 27, before subsidies). Use the tables below to compare premiums, deductibles, and issuers across all metal tiers.
$551
Avg Silver Premium/mo
$362
Benchmark Premium/mo
+31.9%
Year-over-Year Change
$5,623
Avg Deductible
What the Numbers Say About Sanilac
Sanilac, Michigan has 45 ACA marketplace plans offered by 5 issuers for plan year 2026. The average Silver-tier premium comes in at $551/mo for a 27-year-old non-tobacco user, with the lowest Silver at $359 and the highest at $704. Bronze plans start at $363/mo — useful for healthy enrollees who want catastrophic protection with the lowest monthly outlay.
The benchmark (second-lowest Silver) premium is $362/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 $5,623 and the average out-of-pocket maximum is $8,914 — numbers that matter more than the sticker premium once you actually use care. Year-over-year, average premiums in Sanilac shifted by +31.9%, 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 Sanilac, 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
3 plans$382/mo avg
$363 — $419
Silver
16 plans$551/mo avg
$359 — $704
Gold
13 plans$548/mo avg
$382 — $817
Catastrophic plan available: avg $339/mo (3 plans) — only for individuals under 30 or with a hardship exemption.
Benchmark Premium & Subsidies
The benchmark premium (2nd-lowest Silver plan) in Sanilac is $362/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
$362 /mo
Sets your subsidy ceiling
Avg deductible
$5,623
Across all metal tiers
Sanilac ACA plans by premium and deductible
Each marker is the Sanilac 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 Sanilac, plan year 2026. Bronze = catastrophic-only zone (high deductible). Gold/Platinum = premium-heavy zone (low deductible).
Issuers in Sanilac
| Issuer | Plans | Avg Premium (Age 27) |
|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 9 | $586/mo |
| Priority Health | 9 | $510/mo |
| Ambetter from Meridian | 9 | $395/mo |
| McLaren Health Plan Community | 9 | $474/mo |
| Blue Care Network of Michigan | 9 | $511/mo |
All Plans in Sanilac
| Plan Name | Metal | Type | Premium (27) | Premium (40) | Deductible | OOP Max |
|---|---|---|---|---|---|---|
| MHP Young Adult/Catastrophic McLaren Health Plan Community | Catastrophic | HMO | $330.02 | $402.45 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Value Blue Care Network of Michigan | Catastrophic | HMO | $339.94 | $414.54 | $10,600 | $10,600 |
| Blue Cross® Premier PPO Value Blue Cross Blue Shield of Michigan Mutual Insurance Company | Catastrophic | PPO | $347.07 | $423.24 | $10,600 | $10,600 |
| Blue Cross® Preferred HMO Bronze Secure Blue Care Network of Michigan | Bronze | HMO | $362.93 | $442.58 | $10,600 | $10,600 |
| MHP Bronze McLaren Health Plan Community | Bronze | HMO | $365.17 | $445.32 | $8,250 | $10,150 |
| Blue Cross® Premier PPO Bronze Secure Blue Cross Blue Shield of Michigan Mutual Insurance Company | Bronze | PPO | $419.01 | $510.97 | $10,600 | $10,600 |
| MyPriority Value Bronze Priority Health | Expanded Bronze | HMO | $377.38 | $460.21 | $9,500 | $9,500 |
| MyPriority Standard Bronze Priority Health | Expanded Bronze | HMO | $379.09 | $462.29 | $7,500 | $10,000 |
| MHP Expanded Bronze Standard McLaren Health Plan Community | Expanded Bronze | HMO | $394.52 | $481.10 | $7,500 | $10,000 |
| MHP Bronze Saver (Expanded) McLaren Health Plan Community | Expanded Bronze | HMO | $396.44 | $483.44 | $8,500 | $8,500 |
| MyPriority Value Bronze HSA Priority Health | Expanded Bronze | HMO | $410.86 | $501.03 | $7,500 | $7,500 |
| Blue Cross® Preferred HMO Bronze Extra Blue Care Network of Michigan | Expanded Bronze | HMO | $411.39 | $501.68 | $7,500 | $10,000 |
| Blue Cross® Preferred HMO Bronze Saver HSA Blue Care Network of Michigan | Expanded Bronze | HMO | $419.13 | $511.11 | $8,500 | $8,500 |
| MyPriority Standard Bronze - Travel Priority Health | Expanded Bronze | HMO | $435.96 | $531.64 | $7,500 | $10,000 |
| Blue Cross® Premier PPO Bronze Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $474.20 | $578.27 | $8,500 | $8,500 |
| Blue Cross® Premier PPO Bronze Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Expanded Bronze | PPO | $479.92 | $585.25 | $7,500 | $10,000 |
| Clear Silver Ambetter from Meridian | Silver | HMO | $359.06 | $437.86 | $7,000 | $7,000 |
| Standard Silver Ambetter from Meridian | Silver | HMO | $361.91 | $441.33 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult Dental Ambetter from Meridian | Silver | HMO | $375.22 | $457.57 | $6,000 | $8,900 |
| MyPriority Premier Silver Priority Health | Silver | HMO | $526.93 | $642.58 | $5,500 | $9,500 |
| Blue Cross® Preferred HMO Silver Saver Blue Care Network of Michigan | Silver | HMO | $528.50 | $644.48 | $5,800 | $7,650 |
| MHP Silver Exchange Rewards McLaren Health Plan Community | Silver | HMO | $541.71 | $660.60 | $2,000 | $9,000 |
| MyPriority Balanced Silver Priority Health | Silver | HMO | $543.45 | $662.72 | $3,200 | $9,000 |
| MHP Silver Exchange McLaren Health Plan Community | Silver | HMO | $554.09 | $675.70 | $4,250 | $10,150 |
| MHP Silver Standard McLaren Health Plan Community | Silver | HMO | $561.05 | $684.19 | $6,000 | $8,900 |
| MyPriority Standard Silver Priority Health | Silver | HMO | $563.77 | $687.50 | $6,000 | $8,900 |
| Blue Cross® Preferred HMO Silver Blue Care Network of Michigan | Silver | HMO | $591.95 | $721.87 | $4,500 | $10,600 |
| Blue Cross® Preferred HMO Silver Extra Blue Care Network of Michigan | Silver | HMO | $625.34 | $762.58 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Saver HSA Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $648.82 | $791.21 | $3,900 | $7,700 |
| Blue Cross® Premier PPO Silver Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $648.90 | $791.31 | $3,200 | $10,100 |
| MyPriority Standard Silver - Travel Priority Health | Silver | HMO | $676.53 | $825.00 | $6,000 | $8,900 |
| Blue Cross® Premier PPO Silver Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Silver | PPO | $704.08 | $858.60 | $6,000 | $8,900 |
| Standard Gold Ambetter from Meridian | Gold | HMO | $381.87 | $465.68 | $2,000 | $8,200 |
| Everyday Gold Ambetter from Meridian | Gold | HMO | $387.82 | $472.93 | $800 | $7,250 |
| Standard Gold + Vision + Adult Dental Ambetter from Meridian | Gold | HMO | $395.92 | $482.81 | $2,000 | $8,200 |
| Everyday Gold + Vision + Adult Dental Ambetter from Meridian | Gold | HMO | $402.09 | $490.33 | $800 | $7,250 |
| Elite Gold Ambetter from Meridian | Gold | HMO | $437.42 | $533.41 | $0 | $6,500 |
| Elite Gold + Vision + Adult Dental Ambetter from Meridian | Gold | HMO | $453.51 | $553.04 | $0 | $6,500 |
| MHP Gold McLaren Health Plan Community | Gold | HMO | $559.92 | $682.80 | $2,100 | $8,000 |
| MHP Gold Standard McLaren Health Plan Community | Gold | HMO | $565.04 | $689.05 | $2,000 | $8,200 |
| Blue Cross® Preferred HMO Gold Blue Care Network of Michigan | Gold | HMO | $645.97 | $787.73 | $2,050 | $8,800 |
| Blue Cross® Preferred HMO Gold Extra Blue Care Network of Michigan | Gold | HMO | $670.66 | $817.84 | $2,000 | $8,200 |
| MyPriority Standard Gold Priority Health | Gold | HMO | $672.45 | $820.03 | $2,000 | $8,200 |
| Blue Cross® Premier PPO Gold Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $732.60 | $893.39 | $1,450 | $9,000 |
| Blue Cross® Premier PPO Gold Extra Blue Cross Blue Shield of Michigan Mutual Insurance Company | Gold | PPO | $817.29 | $996.66 | $2,000 | $8,200 |
Silver Premium Trend (2022-2026)
| Year | Avg Premium | Min | Max | Plans | Issuers |
|---|---|---|---|---|---|
| 2022 | $365/mo | $309 | $498 | 22 | 5 |
| 2023 | $396/mo | $330 | $473 | 23 | 5 |
| 2024 | $398/mo | $338 | $510 | 26 | 6 |
| 2025 | $439/mo | $331 | $571 | 21 | 6 |
| 2026 | $551/mo | $359 | $704 | 16 | 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 Sanilac, MI?
There are 45 ACA marketplace plans available in Sanilac from 5 insurance issuers for plan year 2026.
What is the cheapest health insurance plan in Sanilac?
The lowest-premium plan in Sanilac starts at $363/mo (Bronze tier, age 27). Silver plans start at $359/mo. Actual premiums vary by age and may be reduced by premium tax credits.
What is the benchmark premium for Sanilac?
The benchmark (second-lowest Silver) premium in Sanilac is $362/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 Sanilac?
Average premiums in Sanilac changed by +31.9% 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 Sanilac?
The average annual deductible across all plans in Sanilac is $5,623, and the average out-of-pocket maximum is $8,914. 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 Sanilac?
There are 5 insurance issuers offering ACA marketplace plans in Sanilac, including Blue Cross Blue Shield of Michigan Mutual Insurance Company, Priority Health, Ambetter from Meridian, 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
