ACA Direct Answers

What ACA marketplace plans are available in Lapeer County, Michigan in 2026?

Lapeer County, Michigan has 51 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $359 to $887 and a benchmark (second-lowest-cost silver) plan at $388 per month, per the CMS PY2026 QHP Landscape file.

Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward

Three lowest-cost silver plans at age 40

  • Ambetter from Meridian — Clear Silver · $384.98/mo · deductible $7,000 · MOOP $7,000
  • Ambetter from Meridian — Standard Silver · $388.03/mo · deductible $6,000 · MOOP $8,900
  • Ambetter from Meridian — Standard Silver + Vision + Adult Dental · $402.30/mo · deductible $6,000 · MOOP $8,900

See the full Lapeer County plan table with all issuers, metal tiers, and cost-sharing →

Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).