- 5carriers selling 2026 marketplace plans in Oakland County
- 64plans on the Oakland shelf, from 24 bronze to 13 gold
- $507benchmark 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, five each. Across all 79 counties and parishes I track in 24 states, 30 have more carriers than Oakland. The biggest lineup in Oakland belongs to Blue Care Network of Michigan with 17 plans, about 27 percent of everything on offer.
| Carrier | Plans | Bronze | Silver | Gold | Network types |
|---|---|---|---|---|---|
| Blue Care Network of Michigan | 17 | 7 | 7 | 2 | HMO 17 |
| Priority Health | 16 | 7 | 6 | 3 | HMO 16 |
| UnitedHealthcare | 13 | 4 | 5 | 4 | HMO 13 |
| Blue Cross Blue Shield of MichiganBlue Cross Blue Shield of Michigan Mutual Insurance Company | 9 | 3 | 3 | 2 | PPO 9 |
| McLaren Health Plan Community | 9 | 3 | 3 | 2 | HMO 9 |
Oakland plan counts from the CMS 2026 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 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 | $270 | $345 | $733 | $690 | $1,104 |
| Lowest silver | $393 | $503 | $1,068 | $1,005 | $1,607 |
| Benchmark silver (second lowest) | $397 | $507 | $1,077 | $1,014 | $1,622 |
| Lowest gold | $425 | $543 | $1,153 | $1,086 | $1,735 |
Benchmark silver is the second lowest of the 24 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 $543, which is $36 above the benchmark silver and $40 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 $162 above the cheapest bronze at age 40, and 27 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 $507 benchmark minus what the government expects you to pay from your income. A 40 year old in Oakland whose expected share is $162 a month or less would pay nothing for the cheapest bronze. At 60 the Oakland gap grows to $344 and at 21 it shrinks to $127, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Oakland and nearby Wayne County. The benchmark differs by $1 a month at 40 and the cheapest bronze by $3. The same five 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 | 3 | 0 | |
| Bronze | 6 | 0 | $8,250 to $10,600 |
| Expanded Bronze | 18 | 1 | $0 to $9,500 |
| Silver | 24 | 0 | $2,000 to $6,000 |
| Gold | 13 | 2 | $0 to $2,100 |
| Total | 64 | 3 |
By network type the 64 Oakland plans break down as 55 HMO and 9 PPO. Only 9 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. 3 plans in Oakland have a $0 medical deductible (2 gold and 1 expanded bronze). The one bronze plan among them still has an out of pocket maximum of $10,600, 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 $507 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 2026 plans and prices for Oakland County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Oakland numbers then. 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.
Questions about Oakland County coverage
How many health insurance companies sell marketplace plans in Oakland County, Michigan?
For 2026, five carriers sell individual marketplace plans in Oakland County: Blue Care Network of Michigan, Priority Health, UnitedHealthcare, Blue Cross Blue Shield of Michigan and McLaren Health Plan Community. Together they offer 64 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 $270 a month for a 21 year old, $345 at 40 and $733 at 60. In Oakland a couple both aged 40 pays $690 for the cheapest bronze, and two 40 year olds with two children pay $1,104. Catastrophic plans in Oakland, open only to people under 30 or with a hardship exemption, start at $281 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 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $507 a month for a 40 year old in Oakland County before subsidies. In Oakland it is $397 at age 21 and $1,077 at age 60, and the lowest silver plan is $503 at 40.
Is any insurance company leaving Oakland County for 2027?
None of the five carriers selling in Oakland County in 2026 has announced it is leaving Michigan for 2027, as far as I have been able to confirm. Smaller changes can still happen, so read your renewal notice. The 2027 carrier lineup and prices for Oakland are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Oakland County?
Yes to both. 9 of the 64 plans in Oakland are PPOs, all from Blue Cross Blue Shield of Michigan, and 3 plans have a $0 medical deductible. The cheapest gold plan for a 40 year old in Oakland is $543 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 2026 (public use file), Oakland County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines