ACA marketplace plans in Genesee County, Michigan (2026)
Genesee County, Michigan has 64 ACA marketplace plans from 6 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.
Updated July 21, 2026 · Reviewed by Jason Burns, Editorial Steward
Plan table
| Issuer | Plan | Metal | Age 21 | Age 40 | Age 60 | Deductible | MOOP |
|---|---|---|---|---|---|---|---|
| UnitedHealthcare | UHC Bronze Essential (No Referrals) | Bronze | $298.07 | $380.93 | $808.96 | $10,600 | $10,600 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Secure | Bronze | $299.77 | $383.11 | $813.58 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Essential+ (Dental + Vision, No Referrals) | Bronze | $311.79 | $398.47 | $846.20 | $10,600 | $10,600 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Secure | Bronze | $324.85 | $415.16 | $881.64 | $10,600 | $10,600 |
| McLaren Health Plan Community | MHP Bronze | Bronze | $332.96 | $425.52 | $903.64 | $8,250 | $10,150 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Bronze Secure | Bronze | $355.67 | $454.55 | $965.29 | $10,600 | $10,600 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Value | Catastrophic | $280.80 | $358.86 | $762.09 | $10,600 | $10,600 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Value | Catastrophic | $294.60 | $376.50 | $799.54 | $10,600 | $10,600 |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | $300.90 | $384.56 | $816.66 | $10,600 | $10,600 |
| UnitedHealthcare | UHC Bronze Standard (No Referrals) | Expanded Bronze | $312.16 | $398.94 | $847.21 | $7,500 | $10,000 |
| UnitedHealthcare | UHC Bronze Copay Focus (No Referrals) | Expanded Bronze | $327.77 | $418.89 | $889.56 | $0 | $10,600 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Extra | Expanded Bronze | $339.47 | $433.84 | $921.32 | $7,500 | $10,000 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Saver HSA | Expanded Bronze | $346.14 | $442.37 | $939.42 | $8,500 | $8,500 |
| Priority Health | MyPriority Value Bronze | Expanded Bronze | $346.79 | $443.20 | $941.19 | $9,500 | $9,500 |
| Priority Health | MyPriority Standard Bronze | Expanded Bronze | $348.36 | $445.20 | $945.45 | $7,500 | $10,000 |
| McLaren Health Plan Community | MHP Expanded Bronze Standard | Expanded Bronze | $359.71 | $459.71 | $976.25 | $7,500 | $10,000 |
| McLaren Health Plan Community | MHP Bronze Saver (Expanded) | Expanded Bronze | $361.46 | $461.95 | $981.00 | $8,500 | $8,500 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Extra | Expanded Bronze | $368.22 | $470.59 | $999.35 | $7,500 | $10,000 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Expanded Bronze | $375.13 | $479.42 | $1,018.10 | $8,500 | $8,500 |
| Priority Health | MyPriority Value Bronze HSA | Expanded Bronze | $377.55 | $482.51 | $1,024.67 | $7,500 | $7,500 |
| Priority Health | MyPriority Standard Bronze - Travel | Expanded Bronze | $400.61 | $511.98 | $1,087.26 | $7,500 | $10,000 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Bronze Saver HSA | Expanded Bronze | $402.52 | $514.42 | $1,092.44 | $8,500 | $8,500 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Bronze Extra | Expanded Bronze | $407.38 | $520.63 | $1,105.63 | $7,500 | $10,000 |
| Ambetter from Meridian | Standard Gold | Gold | $320.38 | $409.43 | $869.48 | $2,000 | $8,200 |
| Ambetter from Meridian | Everyday Gold | Gold | $325.37 | $415.81 | $883.03 | $800 | $7,250 |
| Ambetter from Meridian | Standard Gold + Vision + Adult Dental | Gold | $332.17 | $424.49 | $901.47 | $2,000 | $8,200 |
| Ambetter from Meridian | Everyday Gold + Vision + Adult Dental | Gold | $337.34 | $431.11 | $915.51 | $800 | $7,250 |
| Ambetter from Meridian | Elite Gold | Gold | $366.98 | $468.99 | $995.96 | $0 | $6,500 |
| Ambetter from Meridian | Elite Gold + Vision + Adult Dental | Gold | $380.48 | $486.24 | $1,032.60 | $0 | $6,500 |
| UnitedHealthcare | UHC Gold Standard (No Referrals) | Gold | $428.26 | $547.32 | $1,162.29 | $2,000 | $8,200 |
| UnitedHealthcare | UHC Gold Advantage (No Referrals) | Gold | $431.78 | $551.81 | $1,171.85 | $1,500 | $7,800 |
| UnitedHealthcare | UHC Gold Copay Focus (No Referrals) | Gold | $439.63 | $561.85 | $1,193.17 | $0 | $8,000 |
| UnitedHealthcare | UHC Gold Advantage+ (Dental + Vision, No Referrals) | Gold | $445.50 | $569.35 | $1,209.10 | $1,500 | $7,800 |
| McLaren Health Plan Community | MHP Gold | Gold | $510.52 | $652.44 | $1,385.55 | $2,100 | $8,000 |
| McLaren Health Plan Community | MHP Gold Standard | Gold | $515.19 | $658.41 | $1,398.22 | $2,000 | $8,200 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Gold | Gold | $578.17 | $738.90 | $1,569.15 | $2,050 | $8,800 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Gold Extra | Gold | $600.27 | $767.15 | $1,629.13 | $2,000 | $8,200 |
| Priority Health | MyPriority Standard Gold | Gold | $617.93 | $789.71 | $1,677.06 | $2,000 | $8,200 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Gold | Gold | $621.87 | $794.75 | $1,687.76 | $1,450 | $9,000 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Gold Extra | Gold | $693.76 | $886.63 | $1,882.86 | $2,000 | $8,200 |
| Ambetter from Meridian | Clear Silver | Silver | $301.24 | $384.98 | $817.55 | $7,000 | $7,000 |
| Ambetter from Meridian | Standard Silver | Silver | $303.63 | $388.03 | $824.03 | $6,000 | $8,900 |
| Ambetter from Meridian | Standard Silver + Vision + Adult Dental | Silver | $314.80 | $402.30 | $854.34 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Value (No Referrals) | Silver | $400.17 | $511.42 | $1,086.06 | $4,000 | $9,500 |
| UnitedHealthcare | UHC Silver Standard (No Referrals) | Silver | $402.50 | $514.40 | $1,092.40 | $6,000 | $8,900 |
| UnitedHealthcare | UHC Silver Advantage (No Referrals) | Silver | $405.61 | $518.37 | $1,100.83 | $2,900 | $10,400 |
| UnitedHealthcare | UHC Silver Value+ (Dental + Vision, No Referrals) | Silver | $413.89 | $528.96 | $1,123.31 | $4,000 | $9,500 |
| UnitedHealthcare | UHC Silver Advantage+ (Dental + Vision, No Referrals) | Silver | $419.34 | $535.91 | $1,138.08 | $2,900 | $10,400 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Silver Saver | Silver | $436.38 | $557.69 | $1,184.34 | $5,800 | $7,650 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Silver Saver | Silver | $473.03 | $604.53 | $1,283.80 | $5,800 | $7,650 |
| Priority Health | MyPriority Premier Silver | Silver | $484.22 | $618.83 | $1,314.17 | $5,500 | $9,500 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Silver | Silver | $488.75 | $624.62 | $1,326.47 | $4,500 | $10,600 |
| McLaren Health Plan Community | MHP Silver Exchange Rewards | Silver | $493.92 | $631.23 | $1,340.50 | $2,000 | $9,000 |
| Priority Health | MyPriority Balanced Silver | Silver | $499.40 | $638.23 | $1,355.37 | $3,200 | $9,000 |
| McLaren Health Plan Community | MHP Silver Exchange | Silver | $505.21 | $645.66 | $1,371.13 | $4,250 | $10,150 |
| McLaren Health Plan Community | MHP Silver Standard | Silver | $511.55 | $653.77 | $1,388.36 | $6,000 | $8,900 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Silver Extra | Silver | $516.00 | $659.45 | $1,400.42 | $6,000 | $8,900 |
| Priority Health | MyPriority Standard Silver | Silver | $518.06 | $662.08 | $1,406.01 | $6,000 | $8,900 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Silver | Silver | $529.83 | $677.12 | $1,437.96 | $4,500 | $10,600 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Silver Saver HSA | Silver | $550.74 | $703.85 | $1,494.71 | $3,900 | $7,700 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Silver | Silver | $550.81 | $703.94 | $1,494.90 | $3,200 | $10,100 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Silver Extra | Silver | $559.71 | $715.31 | $1,519.05 | $6,000 | $8,900 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Silver Extra | Silver | $597.65 | $763.80 | $1,622.02 | $6,000 | $8,900 |
| Priority Health | MyPriority Standard Silver - Travel | Silver | $621.68 | $794.51 | $1,687.24 | $6,000 | $8,900 |
Cost-sharing reductions (CSR)
Silver plans in this county carry the standard cost-sharing shown above. If your household income is between 100% and 250% of the federal poverty level, HealthCare.gov automatically applies CSR variants of silver plans that lower deductibles, copays, and the annual out-of-pocket maximum — the plan name stays the same but the numbers on your Summary of Benefits change.
Subsidy context for 2026
The enhanced premium tax credits from the American Rescue Plan Act and the Inflation Reduction Act expired December 31, 2025, so for plan year 2026 the pre-2021 ACA subsidy structure returns — households above 400% of the federal poverty level receive no premium tax credit at all, and lower-income households pay a larger share of the benchmark plan's premium (see the Congressional Research Service report R48290 and KFF's 2026 premium tracker). These figures describe the rules; nothing on this page is a recommendation.
Sources
- PY2026 QHP Landscape, Individual Market Medical — CMS Public Use File, released May 2026. All plan, premium, deductible, and out-of-pocket figures on this page come from this file.
- HealthCare.gov — official federal marketplace where these plans are sold.