Berrien County · Michigan · Open Enrollment 2027
Health insurance in Berrien County, Michigan
What individual and family plans cost in Berrien County, which insurers sell here, and which hospitals are local, all from public records.
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- 4 insurers (2026)
- 42 plans
- Enroll by Dec 15 for Jan 1
Get Berrien County options
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Marketplace plans in Berrien County (2026)
In 2026, 4 insurers sold 42 plans on HealthCare.gov in Berrien County (Rating Area 9): 2 Catastrophic, 10 Expanded Bronze, 16 Silver, 11 Gold, 3 Bronze.[1]
| Insurer (CMS name) | Network | 2026 plans | Requested 2027 avg. change (statewide) |
|---|---|---|---|
| Ambetter from Meridian | HMO | 9 | 24.4% |
| Blue Care Network of Michigan | HMO | 15 | 12.5% |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | PPO | 9 | 12.9% |
| Priority Health | HMO | 9 | 11.1% |
Plans: CMS PY2026.[1] Requested changes are each insurer’s statewide individual-market average as filed with DIFS, not county-specific, and subject to approval.[2]
2026 monthly prices, before tax credits
- Lowest Bronze, age 40: $483.08
- Benchmark Silver, age 40: $509.01
- Lowest Bronze, age 60: $1,025.89
- Benchmark Silver, age 60: $1,080.96
Non-smoker, full price. CMS PY2026.[1] Not a quote; 2027 prices come out with Open Enrollment.
Compare Berrien County plansHospitals in Berrien County
- Corewell Health Lakeland Hospitals, St. Joseph Hospital, 1234 Napier Ave., St. Joseph.[5]
- Corewell Health Lakeland Hospitals, Niles Hospital, 31 N. St. Joseph Ave., Niles.[6]
- Corewell Health Watervliet Hospital, a 49-bed hospital serving northern Berrien and western Van Buren counties.[7]
Network status changes by plan. Check that your hospital and doctors are in network before you enroll; we’ll check with you.
Berrien County at a glance
- Population: 154,316 (2020 Census).[3]
- Open Enrollment: November 1, 2026 to January 15, 2027; pick by December 15 for January 1.[4]
- Statewide, insurers requested an average 14.2% increase for 2027.[2]
Nearby guides: Kalamazoo. Also: Bronze vs. Silver and 2027 subsidies.
Sources
- CMS, QHP Landscape Individual Market Medical file, plan year 2026 (HealthCare.gov states), Michigan rows. https://data.healthcare.gov/datafile/py2026/individual_market_medical.zip
- Michigan DIFS, 2027 Michigan Health Insurance Rate Change Requests, Individual Market (as filed, subject to DIFS approval), updated July 14, 2026. https://www.michigan.gov/difs/-/media/Project/Websites/difs/OIRF/EHB/PDFs/2027_Proposed_Rate_Changes.pdf
- Michigan Manual 2023–2024, Chapter VIII, Official 2020 Census counts for Michigan counties. https://www.legislature.mi.gov/documents/2023-2024/michiganmanual/2023-MM-Chapter8.pdf
- HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- Corewell Health, Lakeland Hospitals St. Joseph Hospital location page. https://corewellhealth.org/locations/LOC0000194617/corewell-health-lakeland-hospitals-st-joseph-hospital
- Corewell Health, Lakeland Hospitals Niles Hospital location page. https://corewellhealth.org/locations/LOC0000194610/corewell-health-lakeland-hospitals-niles-hospital
- Corewell Health Careers, Hospital locations (Watervliet Hospital). https://careers.corewellhealth.org/us/en/hospital-locations
Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.
Frequently asked questions
How many health insurers sell Marketplace plans in Berrien County?
In 2026, 4 insurers offered 42 plans on HealthCare.gov in Berrien County, per the CMS plan year 2026 file. 2027 plans are published at Open Enrollment.
What is the cheapest Marketplace plan in Berrien County?
In 2026, the lowest full-price Bronze plan for a 40-year-old non-smoker was $483.08 a month before any tax credit. Your price depends on age, income and plan year.
When can I enroll in Berrien County?
Open Enrollment runs November 1, 2026 to January 15, 2027. Pick by December 15 for January 1 coverage.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.