Michigan
Cheapest ACA plans in Kent County, Michigan for 2026
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z.
Kent County, Michigan has 7 on-exchange carriers offering 80 plans for 2026. The cheapest Bronze plan a 40-year-old can enroll in is Oscar Insurance Company Bronze Classic Standard at $356 per month before subsidies.
Cheapest plans by metal tier
Lowest 2026 monthly premium for a single 40-year-old in Kent County, on-exchange, before any subsidy. Per-age figures derived from the CMS QHP Landscape file using the HHS standardized age-rating curve (45 CFR 147.102).
| Tier | Cheapest age 40 monthly | Plans in Kent County |
|---|---|---|
| Expanded Bronze | $356 | 15 |
| Bronze | $381 | 11 |
| Catastrophic | $433 | 3 |
| Silver | $471 | 30 |
| Gold | $486 | 21 |
The actual cheapest Bronze plan in Kent County
Oscar Insurance Company Bronze Classic Standard
$356/moFor a family of four (two 40-year-olds and two kids under 14): Oscar Insurance Company Bronze Classic Standard at $1,139/month before subsidies.
Carriers selling 2026 plans in Kent County
7 carriers sell 2026 plans on Healthcare.gov; 2 additional carriers offer off-exchange-only plans (not subsidy-eligible). 124 plans total in this county.
| Carrier | On-exchange plans |
|---|---|
| Priority Health | 17 |
| Blue Care Network of Michigan | 15 |
| UnitedHealthcare | 13 |
| Meridian Health Plan of Michigan | 9 |
| BlueCross BlueShield of Michigan | 9 |
| McLaren Health Plan Community | 9 |
| Oscar | 8 |
Also selling off-exchange only
These carriers sell plans directly (not through Healthcare.gov). Off-exchange plans are not eligible for federal APTC or state subsidies.
| Carrier | Off-exchange plans |
|---|---|
| Health Alliance Plan of Michigan | 7 |
| Alliance Health and Life Insurance Company | 7 |
Frequently asked questions
What is the cheapest ACA plan in Kent County, Michigan for 2026?
The cheapest Bronze plan a 40-year-old can enroll in is Oscar Insurance Company Bronze Classic Standard at $356 per month before subsidies. Plans sell through Healthcare.gov. Data refreshed 2026-04-19T08:08:55.462Z.
Does Michigan use Healthcare.gov?
Yes. Michigan participates in the federally-facilitated Marketplace (FFM), so enrollment and subsidy applications run through healthcare.gov. Michigan does not operate a state-based exchange.
Has Michigan expanded Medicaid?
Yes, effective April 2014, via the Healthy Michigan Plan. Adults 19-64 with income up to 138% FPL qualify regardless of parental status or disability, so there is no coverage gap in Michigan.
What is the Healthy Michigan Plan?
The Healthy Michigan Plan is Michigan’s ACA Medicaid expansion, covering adults 19-64 up to 138% FPL. It launched April 1, 2014 under legislation signed by Gov. Rick Snyder. Eligibility follows the standard ACA 138% FPL threshold.
More Michigan pricing
Sources
- HealthCare.gov for enrollment, OEP dates, and federal APTC / CSR application.
- Michigan Department of Insurance and Financial Services (DIFS) for rate review, carrier filings, and consumer guidance.
- Michigan Department of Health and Human Services: Healthy Michigan Plan for Healthy Michigan Plan eligibility and enrollment.
- KFF: Michigan State Health Facts for Medicaid expansion, enrollment, and benchmark premium context.
Plan year 2026, last refreshed 2026-04-19T08:08:55.462Z. Methodology and full data attribution at about.