Health insurance plans in Wayne County, Michigan (2027)

• 6carriers selling 2027 marketplace plans in Wayne County
• 82plans on the Wayne shelf, from 27 bronze to 26 gold
• $591benchmark 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, six each. Across all 79 counties and parishes I track, 24 have more carriers than Wayne. No single company dominates Wayne County, where the largest lineup is 18 plans (Blue Care Network of Michigan) and the smallest is 9 (McLaren Health Plan Community).

Wayne plan counts from the CMS 2027 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 changed in Wayne County for 2027

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.

Benchmark silver is the second lowest of the 25 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

Gold and silver are almost the same price in Wayne County. The cheapest gold at 40 is $588, between the cheapest silver ($572) and the benchmark ($591). So for anyone in Wayne who does not qualify for extra silver discounts, gold costs $15 more than the cheapest silver and gold deductibles here top out at $2,500.

In Wayne County the benchmark is $176 above the cheapest bronze at age 40, and 31 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 $591 benchmark minus what the government expects you to pay from your income. A 40 year old in Wayne whose expected share is $176 a month or less would pay nothing for the cheapest bronze. At 60 the Wayne gap grows to $374 and at 21 it shrinks to $138, which is why older enrollees are the ones most likely to find a $0 plan.

Compared with nearby Oakland County, the Wayne benchmark is $62 higher at 40 and the cheapest bronze is $16 higher. The same six 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

By network type the 82 Wayne 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 Wayne shelf to one company. 13 plans in Wayne 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.

2027 plans for Wayne County

These are the 2027 plans and prices for Wayne 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 Wayne plan, compare before you let it renew, because your carrier and your benchmark may both have changed.

Questions about Wayne County coverage

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