ACA Direct Answers

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

Oakland County, Michigan has 64 ACA marketplace plans from 5 insurers in 2026, with monthly premiums for a 40-year-old ranging from $345 to $963 and a benchmark (second-lowest-cost silver) plan at $507 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

  • Blue Care Network of Michigan — Blue Cross® Local HMO Silver Saver · $502.68/mo · deductible $5,800 · MOOP $7,650
  • UnitedHealthcare — UHC Silver Value (No Referrals) · $507.18/mo · deductible $4,000 · MOOP $9,500
  • UnitedHealthcare — UHC Silver Standard (No Referrals) · $510.14/mo · deductible $6,000 · MOOP $8,900

See the full Oakland 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).