Flint · Genesee County, Michigan

Health insurance in Flint & Genesee County

Genesee County had six Marketplace insurers in 2026 and the lowest benchmark Silver price in Michigan. Here’s what that means for your 2027 plan and tax credit.

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6 insurers in 2026
Lowest MI benchmark (2026)
Enroll by Dec 15

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Insurers selling Marketplace plans in Genesee County

Flint is in Genesee County. In 2026: 6 insurers, 64 plans (Rating Area 5). Lowest Bronze for a 40-year-old: $380.93/mo; benchmark (second-lowest) Silver: $388.03/mo, before any tax credit.

Insurer (Genesee County, 2026)	Plan type	2026 plans	Requested 2027 change*
Ambetter from Meridian (Meridian Health Plan of Michigan)	HMO	9	24.4% Proposed
Blue Care Network of Michigan	HMO	15	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	9	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.

Genesee County had Michigan’s lowest benchmark price in 2026

In the 2026 CMS file, Genesee (tied with Lapeer, both rating area 5) had the lowest benchmark Silver premium of Michigan’s 83 counties: $388.03 a month at age 40. The cheapest Bronze plan was only $7.10 less, at $380.93.

Why it matters: when Bronze and Silver are this close in price, Silver can be worth a look. If your household income is under 250% of the poverty level, Silver plans also come with extra savings on deductibles and copays (cost-sharing reductions). [HealthCare.gov]

Genesee County: the 2026 numbers at a glance

Benchmark Silver at age 40: $388.03/mo; at age 60: $824.03/mo
Lowest Bronze at age 40: $380.93/mo; at age 60: $808.96/mo
Family of 4 (two 40-year-olds, two kids), benchmark Silver: $1,240.60/mo

CMS QHP Landscape PY2026, full price before tax credits. Most Marketplace shoppers with income under 400% of the poverty level pay less after the credit.

Doctors and hospitals: check the network first

Flint-area hospitals include Hurley Medical Center, McLaren Flint and Henry Ford Genesys Hospital in Grand Blanc Township, which was Ascension Genesys until Henry Ford Health and Ascension Michigan combined on October 1, 2024. [Henry Ford Health; ABC12]

If your doctors were with Ascension Genesys, check them under the Henry Ford name in each 2027 directory. We check your doctors, hospital and prescriptions before you choose. 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

2-minute advisor Q&A

Flint: Bronze or Silver in 2027?

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

Why is Silver worth a look in Genesee County?
Is Genesys still in my network?
What if my income changes?

2-minute advisor Q&A Video coming soon

Frequently asked questions

What health insurance companies sell Marketplace plans in Flint?

For 2026, the CMS plan file lists 6 insurers in Genesee County: Ambetter from Meridian, 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 Flint?

It depends on age, income, household and plan. In Genesee County in 2026, the lowest-cost Bronze plan for a 40-year-old was $380.93 a month and the benchmark Silver plan was $388.03, 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 Flint?

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 Ascension Genesys still in my plan?

Ascension Genesys became Henry Ford Genesys Hospital when Henry Ford Health and Ascension Michigan combined on October 1, 2024. Check the hospital and your doctors under the Henry Ford name in each insurer's 2027 directory.

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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