Grand Rapids · Kent County, Michigan
Health insurance in Grand Rapids & Kent County
Kent County had seven Marketplace insurers and 80 plans in 2026, more choice than most of Michigan, and more ways to pick the wrong network. Our Ada office is right next door.
Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”
- 7 insurers in 2026
- In-person in Ada
- Enroll by Dec 15
Talk to a local advisor
Your info goes to one licensed Michigan advisor at Nexus. Never sold. No pitch, no obligation.
Insurers selling Marketplace plans in Kent County
Grand Rapids is in Kent County, which has more Marketplace choice than most of Michigan. In 2026: 7 insurers, 80 plans (Rating Area 12). Lowest Bronze for a 40-year-old: $356.39/mo; benchmark (second-lowest) Silver: $471.47/mo, before any tax credit. Neighboring Ottawa County is in the same rating area, with 6 insurers (no UnitedHealthcare) and 67 plans.
| Insurer (Kent 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 |
| Oscar Insurance Company | EPO | 8 | 11.9% Proposed |
| Priority Health | HMO | 17 | 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
Grand Rapids’ big hospital systems include Corewell Health (Butterworth and Blodgett hospitals) and Trinity Health Grand Rapids (formerly Saint Mary’s). [Michigan Health & Hospital Association]
Most Kent County Marketplace plans are HMOs (63 of 80 in 2026), with one PPO insurer and one EPO insurer, and each one uses its own network. Bring your list of doctors, specialists and prescriptions. We check each one against the insurer’s 2027 directory 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 Ada office is just east of Grand Rapids in Kent County, so you can meet in person or talk by phone.
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 Grand Rapids
2-minute advisor Q&A
Grand Rapids: picking a 2027 plan in 2 minutes
A Nexus advisor answers the questions we hear most. (Video coming soon.)
- HMO, PPO or EPO: what's the difference in Kent County?
- How do I make sure my doctors are covered?
- My rate went up. What should I compare?
Frequently asked questions
What health insurance companies sell Marketplace plans in Grand Rapids?
For 2026, the CMS plan file lists 7 insurers in Kent County: Ambetter from Meridian, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community, Oscar Insurance Company, 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 Grand Rapids?
It depends on age, income, household and plan. In Kent County in 2026, the lowest-cost Bronze plan for a 40-year-old was $356.39 a month and the benchmark Silver plan was $471.47, 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 Grand Rapids?
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.