What ACA marketplace plans are available in Royal Oak, Michigan in 2026?
Royal Oak, Michigan (population 57,950), covering ZIP codes 48067, 48068, 48073 sits in Oakland County, where 64 ACA marketplace plans from 5 insurers are available in 2026 with a benchmark (second-lowest-cost silver) plan at $507 per month for a 40-year-old. 2027 plans for Oakland County are now available — to compare them and enroll, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.
Updated July 23, 2026 · Reviewed by Jason Burns, Editorial Steward
Reviewed by Heather Fabrizio, licensed in Michigan (License #20983651) · reviewed Jul 28, 2026
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 Royal Oak city page with stats and ZIP codes →
Source: PY2026 QHP Landscape, Individual Market Medical (CMS Public Use File, released May 2026).