Lapeer County · Michigan · Open Enrollment 2027
Health insurance in Lapeer County, Michigan
What individual and family plans cost in Lapeer County, which insurers sell here, and which hospitals are local, all from public records.
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- 5 insurers (2026)
- 51 plans
- Enroll by Dec 15 for Jan 1
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Marketplace plans in Lapeer County (2026)
In 2026, 5 insurers sold 51 plans on HealthCare.gov in Lapeer County (Rating Area 5): 3 Catastrophic, 12 Expanded Bronze, 19 Silver, 13 Gold, 4 Bronze.[1]
| Insurer (CMS name) | Network | 2026 plans | Requested 2027 avg. change (statewide) |
|---|---|---|---|
| Ambetter from Meridian | HMO | 9 | 24.4% |
| Blue Care Network of Michigan | HMO | 15 | 12.5% |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | PPO | 9 | 12.9% |
| McLaren Health Plan Community | HMO | 9 | 16.3% |
| Priority Health | HMO | 9 | 11.1% |
Plans: CMS PY2026.[1] Requested changes are each insurer’s statewide individual-market average as filed with DIFS, not county-specific, and subject to approval.[2]
Local angle: Lapeer County is in a different CMS rating area from neighboring Oakland County (Rating Area 5 vs. Rating Area 2). In 2026 its benchmark Silver plan for a 40-year-old was $388.03 a month, $119.15 less than Oakland County’s $507.18, with 5 insurers here versus 5 in Oakland.[1] Compare before you assume a neighbor’s price applies to you.
2026 monthly prices, before tax credits
- Lowest Bronze, age 40: $383.11
- Benchmark Silver, age 40: $388.03
- Lowest Bronze, age 60: $813.58
- Benchmark Silver, age 60: $824.03
Non-smoker, full price. CMS PY2026.[1] Not a quote; 2027 prices come out with Open Enrollment.
Compare Lapeer County plansHospitals in and near Lapeer County
- McLaren Lapeer Region, Lapeer: state-designated Level II trauma center.[3]
This list shows hospitals on the State of Michigan’s trauma designation list and may not include every hospital or clinic nearby. Network status changes by plan. Check that your hospital and doctors are in network before you enroll; we’ll check with you.
Lapeer County at a glance
- Population: 88,619 (2020 Census).[4]
- Open Enrollment: November 1, 2026 to January 15, 2027; pick by December 15 for January 1.[5]
- Statewide, insurers requested an average 14.2% increase for 2027.[2]
Nearby guides: Flint, Troy and Oakland County and St. Clair County. Also: lowest-cost 2027 plans and 2027 tax credits.
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
- Michigan DHHS, Michigan Designated Trauma Hospitals as of July 7, 2026. https://www.michigan.gov/mdhhs/-/media/Project/Websites/mdhhs/Trauma/Designation/Designation-List/List-of-Designated-Trauma-Facilities-72026.pdf
- Michigan Manual 2023–2024, Chapter VIII, Official 2020 Census counts for Michigan counties. https://www.legislature.mi.gov/documents/2023-2024/michiganmanual/2023-MM-Chapter8.pdf
- 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
How many health insurers sell Marketplace plans in Lapeer County?
In 2026, 5 insurers offered 51 plans on HealthCare.gov in Lapeer County, per the CMS plan year 2026 file. 2027 plans are published at Open Enrollment.
Get my options or call 616-808-9426.
What is the lowest-cost Marketplace plan in Lapeer County?
In 2026, the lowest full-price Bronze plan for a 40-year-old non-smoker was $383.11 a month before any tax credit. Your price depends on age, income and plan year.
Get my options or call 616-808-9426.
When can I enroll in Lapeer County?
Open Enrollment runs November 1, 2026 to January 15, 2027. Pick by December 15 for January 1 coverage.
Get my options or call 616-808-9426.
Will you sell my information?
No. We do not sell your information. Nexus uses it to answer your request and shares it only as our Privacy Policy explains, for example with your insurance carrier when you enroll, or with service providers that help us run our website.
Get my options or call 616-808-9426.