Oscar · Michigan Marketplace · 2026 data
Oscar individual plans in Michigan
Where Oscar sells Marketplace plans in Michigan, how many, what they cost in 2026, and what it asked for 2027, straight from federal and state filings.
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- 8 plans (2026)
- 4 counties
- Requested 11.9% for 2027
Compare Oscar with other plans
Your info goes to Nexus only. Never sold. No pitch, no obligation.
Oscar 2026 prices by county (age 40, monthly)
| County | Oscar lowest Bronze | Oscar lowest Silver | County benchmark Silver | Insurers in county |
|---|---|---|---|---|
| Kent | – | $471.29 | $471.47 | 7 |
| Muskegon | – | $471.29 | $471.47 | 5 |
| Oceana | – | $471.29 | $471.47 | 5 |
| Ottawa | – | $471.29 | $471.47 | 6 |
CMS plan year 2026 file, non-smoker, full price before tax credits. Benchmark = second-lowest-cost Silver plan from any insurer in the county.[1] Your tax credit is figured from the benchmark, not from the plan you pick.[3]
Before you choose Oscar
- Check that your doctors and hospitals are in the plan’s network, and your prescriptions are on its drug list.[4]
- Network types differ: an HMO usually covers only in-network care except emergencies; a PPO pays for some out-of-network care at a higher cost.[5] See HMO vs. PPO in Michigan.
- 2027 plans, networks and prices are published November 1, 2026. Compare even if you plan to renew.[6]
This page reports public plan data and is not an endorsement. We compare every insurer sold in your county. Other insurers: Blue Cross Blue Shield of Michigan, Blue Care Network, Priority Health, McLaren Health Plan, Ambetter from Meridian, UnitedHealthcare; full table in Michigan Marketplace insurers 2026.
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
- IRS, Questions and answers on the premium tax credit. https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit
- HealthCare.gov, 3 things to know before you pick a health insurance plan. https://www.healthcare.gov/choose-a-plan/comparing-plans/
- HealthCare.gov, Health insurance plan & network types: HMOs, PPOs, and more. https://www.healthcare.gov/choose-a-plan/plan-types/
- HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
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
Does Oscar sell Marketplace plans in my Michigan county?
In 2026, Oscar Insurance Company sold Marketplace plans in 4 of 83 Michigan counties, per the CMS plan year 2026 file. 2027 counties are published at Open Enrollment.
Get my options or call 616-808-9426.
How much did Oscar raise rates for 2027?
It requested an average 11.9% increase statewide for its individual plans, as filed with DIFS and subject to approval. Your change depends on plan, age and county.
Get my options or call 616-808-9426.
Is Oscar the best insurer in Michigan?
No insurer is best for everyone. The right plan depends on your doctors, prescriptions, county and income. We compare all the insurers sold where you live.
Get my options or call 616-808-9426.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.
Get my options or call 616-808-9426.