Holland · West Michigan lakeshore
Health insurance in Holland: Ottawa & Allegan counties
Ottawa and Allegan are in different rating areas, so the insurers and prices you see depend on which side of the line you live on. We sort it out by your exact address.
Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”
- 2 counties, 2 rating areas
- 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 Ottawa County
In 2026, Ottawa County had 6 insurers, 67 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. Ottawa shares rating area 12 with Kent and Muskegon counties.
| Insurer (Ottawa 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 |
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.
Holland sits on a county line, and the plans change across it
Most of Holland is in Ottawa County; the south side is in Allegan County. They’re in different rating areas (12 and 11), and in 2026 the Marketplace looked different on each side:
| County (2026) | Insurers | Lowest Bronze, age 40 | Benchmark Silver, age 40 | Benchmark Silver, age 60 |
|---|---|---|---|---|
| Ottawa (rating area 12) | 6 | $356.39 | $471.47 | $1,001.22 |
| Allegan (rating area 11) | 5 | $434.99 | $474.29 | $1,007.21 |
Source: CMS QHP Landscape Individual Market Medical file, plan year 2026, computed by county. Monthly full-price premiums for non-tobacco users before any premium tax credit. “Benchmark” is the second-lowest-cost Silver plan, which sets the size of the tax credit. 2027 plans and prices aren’t published yet.
Oscar listed plans in Ottawa but not Allegan, and the lowest Bronze for a 40-year-old was $78.60 a month cheaper on the Ottawa side. Neither county had UnitedHealthcare plans in 2026. We look up plans by your exact ZIP code and address.
Doctors and hospitals: check the network first
Holland-area hospitals include Holland Hospital and Corewell Health Zeeland Hospital. [Michigan Health & Hospital Association]
Networks differ by insurer and plan. Before you choose, 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 Ada office is in West Michigan, so you can meet in person or work with us 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
2-minute advisor Q&A
Holland: why the county line matters
A Nexus advisor answers the questions we hear most. (Video coming soon.)
- Which insurers sell in Ottawa vs. Allegan?
- How do I check Holland Hospital in a network?
- Can I meet in person?
Frequently asked questions
What health insurance companies sell Marketplace plans in Holland?
For 2026, the CMS plan file lists 6 insurers in Ottawa County: Ambetter from Meridian, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community, Oscar Insurance Company, Priority Health. 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 Holland?
It depends on age, income, household and plan. In Ottawa 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 Holland?
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.
Does it matter if I live on the Allegan County side of Holland?
Yes. Allegan is in a different rating area than Ottawa. In 2026 Oscar didn't sell in Allegan, and the lowest Bronze at age 40 was $78.60 a month more than in Ottawa. Your plans are based on your home address.
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.