- 5carriers selling 2026 marketplace plans in Wayne County
- 64plans on the Wayne shelf, from 24 bronze to 13 gold
- $508benchmark silver for a 40 year old in Wayne, full price per month
Who sells marketplace plans in Wayne County
Wayne County and Oakland 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 Wayne. The biggest lineup in Wayne 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 |
Wayne plan counts from the CMS 2026 landscape file (county FIPS 26163, Rating Area 1). 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 Wayne County before any subsidy
These are the full monthly prices, before any premium tax credit, for the cheapest Wayne 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 Wayne 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 | $273 | $349 | $740 | $697 | $1,115 |
| Lowest silver | $397 | $508 | $1,078 | $1,015 | $1,623 |
| Benchmark silver (second lowest) | $397 | $508 | $1,078 | $1,016 | $1,624 |
| Lowest gold | $425 | $543 | $1,154 | $1,087 | $1,737 |
Benchmark silver is the second lowest of the 24 silver premiums listed for Wayne. The last column is two adults aged 40 plus two children.
What these numbers mean if you live in Wayne County
Wayne 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 $36 above the cheapest silver. In Wayne the extra gold premium pays for a lower deductible rather than coming free.
In Wayne County the benchmark is $159 above the cheapest bronze at age 40, and 25 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 $508 benchmark minus what the government expects you to pay from your income. A 40 year old in Wayne whose expected share is $159 a month or less would pay nothing for the cheapest bronze. At 60 the Wayne gap grows to $338 and at 21 it shrinks to $125, which is why older enrollees are the ones most likely to find a $0 plan.
Prices barely differ between Wayne and nearby Oakland County. The benchmark differs by $1 a month at 40 and the cheapest bronze by $3. The same five carriers sell in Wayne and Oakland, so if you move or work across the line your choice of company does not change, only the price.
Wayne 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 Wayne 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 Wayne shelf to one company. 3 plans in Wayne 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 Wayne price on this page is before subsidies, and most enrollees pay less. For a 40 year old in Wayne the premium tax credit is measured against the $508 benchmark. Estimate your own subsidy, or send me your ZIP and I will run the Wayne numbers for you.
2027 plans for Wayne County
These are the 2026 plans and prices for Wayne County. The 2027 plans and prices are published around November 1, 2026, and I will update this page with the new Wayne 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 Wayne County coverage
How many health insurance companies sell marketplace plans in Wayne County, Michigan?
For 2026, five carriers sell individual marketplace plans in Wayne 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 Wayne County?
At full price before any subsidy, the cheapest bronze plan in Wayne County is $273 a month for a 21 year old, $349 at 40 and $740 at 60. In Wayne a couple both aged 40 pays $697 for the cheapest bronze, and two 40 year olds with two children pay $1,115. Catastrophic plans in Wayne, open only to people under 30 or with a hardship exemption, start at $284 at age 21. Most people in Wayne who qualify for a premium tax credit pay less than these prices.
What is the benchmark silver plan premium in Wayne County for 2026?
The second lowest cost silver plan, the benchmark your subsidy is calculated from, is $508 a month for a 40 year old in Wayne County before subsidies. In Wayne it is $397 at age 21 and $1,078 at age 60, and the lowest silver plan is $508 at 40.
Is any insurance company leaving Wayne County for 2027?
None of the five carriers selling in Wayne 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 Wayne are published around November 1, 2026, and I will update this page then.
Can I get a PPO or a $0 deductible plan in Wayne County?
Yes to both. 9 of the 64 plans in Wayne 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 Wayne is $543 a month before subsidies.
More for Wayne County residents
- Health insurance brokers in Michigan, how to choose one and what it costs
- Every 2027 carrier change in Michigan
- How Wayne compares with the other 78 counties and parishes I track
- Estimate a Wayne subsidy
Get your Wayne County quote
Send me your ZIP and who needs coverage and I will compare every Wayne 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), Wayne County rows
- HealthCare.gov, Health plan information for individuals and families
- healthinsurance.org, ACA open enrollment deadlines