- 6carriers selling 2027 marketplace plans in Oakland County
- 82plans on the Oakland shelf, from 27 bronze to 26 gold
- $529benchmark silver for a 40 year old in Oakland, full price per month
Who sells marketplace plans in Oakland County
Oakland County and Wayne County, the two Michigan counties I track, have the same number of carriers, six each. Across all 79 counties and parishes I track, 24 have more carriers than Oakland. No single company dominates Oakland County, where the largest lineup is 18 plans (Blue Care Network of Michigan) and the smallest is 9 (McLaren Health Plan Community).
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Blue Care Network of Michigan | 18 | 5 | 5 | 6 | HMO 18 |
| UnitedHealthcare | 17 | 6 | 6 | 5 | HMO 17 |
| Ambetter from Meridian New for 2027 | 15 | 4 | 5 | 6 | HMO 15 |
| Priority Health | 13 | 6 | 3 | 4 | HMO 13 |
| Blue Cross Blue Shield of MichiganBlue Cross Blue Shield of Michigan Mutual Insurance Company | 10 | 3 | 3 | 3 | PPO 10 |
| McLaren Health Plan Community | 9 | 3 | 3 | 2 | HMO 9 |
Oakland plan counts from the CMS 2027 landscape file (county FIPS 26125, Rating Area 2). Bronze includes expanded bronze, and companies CMS lists under more than one legal issuer are grouped with the legal names underneath.
What changed in Oakland County for 2027
New in Oakland for 2027: Ambetter from Meridian. Oakland now has six carriers and 82 plans, against five carriers and 64 plans in 2026.
What it costs in Oakland County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Oakland plan at each metal level. I show the sticker price because it is what your subsidy is subtracted from, and most people who enroll in Oakland pay less, often a lot less.
| Monthly premium, full price | Age 21 | Age 40 | Age 60 | Couple, both 40 | Couple 40 + 2 kids |
|---|---|---|---|---|---|
| Lowest bronze | $312 | $399 | $847 | $797 | $1,275 |
| Lowest silver | $400 | $511 | $1,086 | $1,023 | $1,635 |
| Benchmark silver (second lowest) | $414 | $529 | $1,124 | $1,059 | $1,692 |
| Lowest gold | $447 | $571 | $1,212 | $1,142 | $1,825 |
Benchmark silver is the second lowest of the 25 silver premiums listed for Oakland. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Oakland County
Oakland County is one of 32 of the 79 counties and parishes on my list where the metal levels are priced in the order you would expect. The cheapest gold at 40 is $571, which is $42 above the benchmark silver and $60 above the cheapest silver. In Oakland the extra gold premium pays for a lower deductible rather than coming free.
In Oakland County the benchmark is $131 above the cheapest bronze at age 40, and nine of the other 78 counties and parishes I track have a narrower one. That gap decides whether bronze can be free, because your subsidy is the $529 benchmark minus what the government expects you to pay from your income. A 40 year old in Oakland whose expected share is $131 a month or less would pay nothing for the cheapest bronze. At 60 the Oakland gap grows to $277 and at 21 it shrinks to $102, which is why older enrollees are the ones most likely to find a $0 plan.
Compared with nearby Wayne County, the Oakland benchmark is $62 lower at 40 and the cheapest bronze is $16 lower. The same six carriers sell in Oakland and Wayne, so if you move or work across the line your choice of company does not change, only the price.
Oakland plans by metal level, network and deductible
| Metal level | Plans | $0 deductible | Deductible range |
|---|---|---|---|
| Catastrophic | 4 | 0 | |
| Bronze | 9 | 0 | $8,250 to $11,750 |
| Expanded Bronze | 18 | 2 | $0 to $10,500 |
| Silver | 25 | 4 | $0 to $6,800 |
| Gold | 26 | 7 | $0 to $2,500 |
| Total | 82 | 13 |
By network type the 82 Oakland plans break down as 72 HMO and 10 PPO. Only 10 are PPOs, and every one of them comes from Blue Cross Blue Shield of Michigan. If seeing specialists without a referral matters to you, that narrows the Oakland shelf to one company. 13 plans in Oakland have a $0 medical deductible (7 gold, 4 silver and 2 expanded bronze). The 2 bronze ones among them still have out of pocket maximums of $12,000, so a $0 deductible does not mean a small bill.
Every Oakland price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Oakland the premium tax credit is measured against the $529 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Oakland numbers for you.
2027 plans for Oakland County
These are the 2027 plans and prices for Oakland County, from the CMS plan file released at the end of October 2026. Open enrollment for 2027 coverage in Michigan runs from November 1, 2026 to January 15, 2027, and December 15 is the last day to pick a plan that starts January 1. If you already have a Oakland plan, compare before you let it renew, because your carrier and your benchmark may both have changed.
Questions about Oakland County coverage
How many health insurance companies sell marketplace plans in Oakland County, Michigan?
For 2027, six carriers sell individual marketplace plans in Oakland County: Blue Care Network of Michigan, UnitedHealthcare, Ambetter from Meridian, Priority Health, Blue Cross Blue Shield of Michigan and McLaren Health Plan Community. Together they offer 82 plans across the metal levels, according to the CMS plan landscape file.
What is the cheapest health insurance in Oakland County?
At full price before any subsidy, the cheapest bronze plan in Oakland County is $312 a month for a 21 year old, $399 at 40 and $847 at 60. In Oakland a couple both aged 40 pays $797 for the cheapest bronze, and two 40 year olds with two children pay $1,275. Catastrophic plans in Oakland, open only to people under 30 or with a hardship exemption, start at $302 at age 21. Most people in Oakland who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Oakland County for 2027?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $529 a month for a 40 year old in Oakland County before subsidies. In Oakland it is $414 at age 21 and $1,124 at age 60, and the lowest silver plan is $511 at 40.
Did any insurance company leave Oakland County for 2027?
No. Every carrier that sold plans in Oakland County in 2026 also has plans there in the 2027 CMS plan file. New for 2027: Ambetter from Meridian. Plans and networks inside each company can still change, so read your renewal notice.
Can I get a PPO or a $0 deductible plan in Oakland County?
Yes to both. 10 of the 82 plans in Oakland are PPOs, all from Blue Cross Blue Shield of Michigan, and 13 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Oakland is $571 a month before subsidies.
More for Oakland County residents
- Health insurance brokers in Michigan, how to choose one and what it costs
- Every 2027 carrier change in Michigan
- How Oakland compares with the other 78 counties and parishes I track
- Estimate an Oakland subsidy
Get your Oakland County quote
Send me your ZIP and who needs coverage and I will compare every Oakland plan you qualify for with your subsidy applied, free and with no pressure.
Get my free quote → Or book a callSources
- Centers for Medicare & Medicaid Services, QHP Landscape Individual Market Medical, plan year 2027 (public use file), Oakland County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines