Detroit · Wayne County, Michigan

Health insurance in Detroit & Wayne County

Five insurers sold Marketplace plans in Wayne County in 2026, mostly HMOs built around specific hospital systems. We help you pick the 2027 plan that fits your doctors and budget.

Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”

5 insurers in 2026
Network check included
Enroll by Dec 15

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Your info goes to one licensed Michigan advisor at Nexus. Never sold. No pitch, no obligation.

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Insurers selling Marketplace plans in Wayne County

Detroit is in Wayne County. In 2026: 5 insurers, 64 plans (Rating Area 1). Lowest Bronze for a 40-year-old: $348.64/mo; benchmark (second-lowest) Silver: $507.80/mo, before any tax credit. Oakland and Macomb counties (rating area 2) have the same five insurers. Oscar and Ambetter from Meridian, which sell in West Michigan, don’t list Wayne County plans in the 2026 CMS file.

Insurer (Wayne County, 2026)	Plan type	2026 plans	Requested 2027 change*
Blue Care Network of Michigan	HMO	17	12.5% Proposed
Blue Cross Blue Shield of Michigan	PPO	9	12.9% Proposed
McLaren Health Plan Community	HMO	9	16.3% Proposed
Priority Health	HMO	16	11.1% Proposed
UnitedHealthcare Community Plan	HMO	13	25.5% Proposed

Plan counts, plan types and premiums: CMS QHP Landscape Individual Market Medical file, plan year 2026 (county level; some plans serve only part of a county). Premiums are 2026 full-price rates for one non-tobacco adult age 40. 2027 plans and prices aren’t published yet; check HealthCare.gov once 2027 plan preview opens. *Requested 2027 changes are insurer averages as filed with DIFS (July 14, 2026), subject to DIFS approval. Your own change will differ.

Doctors and hospitals: check the network first

Detroit-area systems include Henry Ford Health, the Detroit Medical Center and Corewell Health East (formerly Beaumont). [Michigan Health & Hospital Association]

Most Wayne County Marketplace plans are HMOs (55 of 64 in 2026), and HMO networks are often built around particular hospital systems. Before you pick a plan, we check your doctors, hospital and prescriptions in each insurer’s 2027 directory. We don’t promise any provider is in a given network.

2027 deadlines

Nov 1, 2026Open Enrollment opens
Dec 15, 2026 Choose by this date for Jan 1 coverage
Jan 15, 2027Last day (coverage starts Feb 1)

Source: HealthCare.gov. More on rates and subsidies in our Open Enrollment 2027 guide.

How we work with you

Nexus is an independent benefits agency based at 6749 Fulton St SE in Ada, Michigan. Health benefits are all we do. Tell us your ZIP code, household and doctors, and an advisor compares the plans actually sold where you live: premium, deductible, network and drug list.

When you’re ready, we help you enroll and stay with you through renewals, income changes and life events.

Our office is in Ada, in West Michigan. Clients in other parts of the state usually work with us by phone, so you don’t need to travel.

Who we help

Individuals and families buying their own coverage
Self-employed and 1099 and gig workers
People losing job coverage or weighing COBRA
Early retirees bridging to Medicare
Employees whose employer offers an ICHRA
Owners ready for small-business health insurance in Detroit

2-minute advisor Q&A

Detroit: choosing a 2027 Marketplace plan

A Nexus advisor answers the questions we hear most. (Video coming soon.)

Which insurers sell in Wayne County?
How do I keep my doctor at my hospital system?
Is a cheaper Bronze plan worth it?

2-minute advisor Q&A Video coming soon

Frequently asked questions

What health insurance companies sell Marketplace plans in Detroit?

For 2026, the CMS plan file lists 5 insurers in Wayne County: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community, Priority Health, UnitedHealthcare Community Plan. Availability can vary by ZIP code, and 2027 plans will show on HealthCare.gov when 2027 plan shopping opens.

How much does health insurance cost in Detroit?

It depends on age, income, household and plan. In Wayne County in 2026, the lowest-cost Bronze plan for a 40-year-old was $348.64 a month and the benchmark Silver plan was $507.80, before any premium tax credit. Many people pay less after the credit. 2027 prices aren't published yet.

When can I sign up for 2027 coverage in Detroit?

Open Enrollment runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1. Outside that window, you need a Special Enrollment Period, for example after losing other coverage.

Are 2027 rates going up?

Michigan insurers requested an average 14.2% increase for 2027 individual plans, as filed with DIFS and subject to approval. Requests range from 11.1% to 25.5% by insurer. Your own change depends on your plan, age, area and tax credit.

Is Nexus a government website?

No. Nexus Benefit Solutions is a private, independent agency in Ada, Michigan, not affiliated with HealthCare.gov. Your info goes to one licensed Michigan advisor and is never sold.

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