Warren · Macomb County, Michigan

Health insurance in Warren & Macomb County

Five insurers sold Marketplace plans in Macomb County in 2026, mostly HMOs tied to particular hospital systems. Whether you’re between jobs or buying your own plan, we help you pick for 2027.

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5 insurers in 2026
COBRA vs. Marketplace
Enroll by Dec 15

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Insurers selling Marketplace plans in Macomb County

Warren is in Macomb 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.

Insurer (Macomb 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.

Macomb, Oakland and Wayne: almost the same prices

County (2026)	Insurers	Lowest Bronze, age 40	Benchmark Silver, age 40	Benchmark Silver, age 60
Macomb (rating area 2)	5	$345.23	$507.18	$1,077.07
Oakland (rating area 2)	5	$345.23	$507.18	$1,077.07
Wayne (rating area 1)	5	$348.64	$507.80	$1,078.37

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.

Warren borders Detroit, and the three metro counties had the same five insurers in 2026, with benchmark prices within a dollar of each other. The bigger differences are in the networks. That matters most when you’re between jobs and choosing between COBRA and a Marketplace plan. See lost job coverage: your 60-day options.

Doctors and hospitals: check the network first

Macomb County hospitals include Henry Ford Macomb Hospital, Henry Ford Macomb-Oakland Hospital, Warren Campus (formerly Ascension Macomb-Oakland) and Corewell Health East hospitals nearby. [Henry Ford Health]

Most Macomb plans are HMOs (55 of 64 in 2026), and HMO networks are often built around particular systems. We check your doctors, hospital and prescriptions in each 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 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

Warren: between jobs? Your 2027 options

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

COBRA or Marketplace: how do I decide?
Which hospitals are in which networks?
How much will I pay with a tax credit?

2-minute advisor Q&A Video coming soon

Frequently asked questions

What health insurance companies sell Marketplace plans in Warren?

For 2026, the CMS plan file lists 5 insurers in Macomb 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 Warren?

It depends on age, income, household and plan. In Macomb 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 Warren?

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 was laid off in Warren. Should I take COBRA?

Compare first. You have 60 days after job coverage ends to pick a Marketplace plan, and you may qualify for a tax credit based on your income for the year. COBRA keeps your same plan but usually costs the full premium plus up to 2%.

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.

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