Troy · Oakland County, Michigan

Health insurance in Troy & Oakland County

Five insurers sold Marketplace plans in Oakland County in 2026. If your income is near the 2027 subsidy cliff, your plan and income choices matter even more.

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5 insurers in 2026
Subsidy cliff planning
Enroll by Dec 15

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Insurers selling Marketplace plans in Oakland County

Troy is in Oakland County. In 2026: 5 insurers, 64 plans (Rating Area 2). Lowest Bronze for a 40-year-old: $345.23/mo; benchmark (second-lowest) Silver: $507.18/mo, before any tax credit. Macomb County, in the same rating area, had the same insurers and prices.

Insurer (Oakland County, 2026)	Plan type	2026 plans	Requested 2027 change*
Blue Care Network of Michigan	HMO	17	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	16	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.

Higher incomes: watch the subsidy cliff

For 2027 coverage there is no federal tax credit above 400% of the poverty level, about $63,840 for one person or $132,000 for a family of four. [healthinsurance.org] In Oakland County in 2026, a benchmark Silver plan for a family of four (two 40-year-olds, two kids) was $1,621.56 a month at full price, and $1,077.07 a month for one 60-year-old.

If you’re near the line, deductible retirement and HSA contributions can lower the income the Marketplace counts. Starting in 2026, all Bronze and Catastrophic Marketplace plans are HSA-eligible. [healthinsurance.org] Ask your tax professional what fits. Retiring early? See the early-retiree guide.

Oakland County: the 2026 numbers at a glance

Benchmark Silver at age 40: $507.18/mo; at age 60: $1,077.07/mo
Lowest Bronze at age 40: $345.23/mo; at age 60: $733.13/mo
Family of 4 (two 40-year-olds, two kids), benchmark Silver: $1,621.56/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

Oakland County systems include Corewell Health (including its Troy and Royal Oak hospitals, formerly Beaumont) and Henry Ford Health, which now includes the former Ascension Providence hospitals in Southfield and Novi and Ascension Providence Rochester. [Henry Ford Health; MHA]

Networks differ by insurer and plan. We check your doctors, hospital and prescriptions in each 2027 directory before you choose. We don’t promise any provider is in a given network.

Own a business in Troy? See small-business health insurance.

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

Troy: buying coverage near the subsidy cliff

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

What is the 400% cliff and does it affect me?
Is an HSA-eligible Bronze plan worth it?
Which networks include Corewell and Henry Ford?

2-minute advisor Q&A Video coming soon

Frequently asked questions

What health insurance companies sell Marketplace plans in Troy?

For 2026, the CMS plan file lists 5 insurers in Oakland County: 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 Troy?

It depends on age, income, household and plan. In Oakland County in 2026, the lowest-cost Bronze plan for a 40-year-old was $345.23 a month and the benchmark Silver plan was $507.18, 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 Troy?

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.

I earn too much for a subsidy. Is an advisor still useful?

Often, yes. Above 400% of the poverty level you pay full price, so the right network, deductible and HSA-eligible options matter more. An advisor compares 2027 plans on and off HealthCare.gov.

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.

Keep exploring

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