Health insurance plans in St. Clair County, MI (2026)
87 marketplace plans from 6 insurers are offered in St. Clair County. The cheapest silver plan is $446 a month for a 40-year-old non-smoker before tax credits.
Cheapest monthly premium by metal level (age 40)
| Metal level | Cheapest premium | Plans |
|---|---|---|
| Bronze | $349 | 30 |
| Silver | $446 | 32 |
| Gold | $475 | 21 |
| Catastrophic | $363 | 4 |
All plans in St. Clair County
| Insurer | Plan | Metal | Type | Deductible | Out-of-pocket max | Premium (age 40) |
|---|---|---|---|---|---|---|
| Blue Care Network of Michigan | Blue Cross® Local HMO Bronze Secure | Bronze | HMO | — | — | $349 |
| Oscar Insurance Company | Bronze Classic Standard | Bronze | EPO | — | — | $356 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Value | Catastrophic | HMO | — | — | $363 |
| Oscar Insurance Company | Bronze Classic 4700 | Bronze | EPO | — | — | $368 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Secure | Bronze | HMO | — | — | $388 |
| Oscar Insurance Company | Bronze Elite + PCP Saver Plus | Bronze | EPO | $0 | — | $392 |
| Blue Care Network of Michigan | Blue Cross® Local HMO Bronze Extra | Bronze | HMO | — | — | $395 |
| Priority Health | MyPriority Value Bronze Southeast Michigan Network | Bronze | HMO | — | — | $401 |
| Priority Health | MyPriority Standard Bronze - Southeast Michigan Network | Bronze | HMO | — | — | $403 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Value | Catastrophic | PPO | — | — | $409 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Secure | Bronze | HMO | — | — | $420 |
| Priority Health | MyPriority Value Bronze Corewell Health West Michigan Network | Bronze | HMO | — | — | $425 |
| Priority Health | MyPriority Standard Bronze - Corewell Health West Michigan Network | Bronze | HMO | — | — | $427 |
| Priority Health | MyPriority Value Bronze Corewell Health West Michigan Network (Allegan, Barry) | Bronze | HMO | — | — | $435 |
| Priority Health | MyPriority Value Bronze HSA Southeast Michigan Network | Bronze | HMO | — | — | $437 |
| Priority Health | MyPriority Standard Bronze - Corewell Health West Michigan Network (Allegan, Barry) | Bronze | HMO | — | — | $437 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Extra | Bronze | HMO | — | — | $439 |
| Ambetter from Meridian | Clear Silver | Silver | HMO | — | — | $446 |
| Priority Health | MyPriority Value Bronze | Bronze | HMO | — | — | $447 |
| Blue Care Network of Michigan | Blue Cross® Select HMO Bronze Saver HSA | Bronze | HMO | — | — | $447 |
| Priority Health | MyPriority Standard Bronze | Bronze | HMO | — | — | $449 |
| Ambetter from Meridian | Standard Silver | Silver | HMO | — | — | $450 |
| Priority Health | MyPriority Value Bronze HSA Corewell Health West Michigan Network | Bronze | HMO | — | — | $462 |
| Ambetter from Meridian | Standard Silver + Vision + Adult Dental | Silver | HMO | — | — | $466 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Value | Catastrophic | HMO | — | — | $467 |
| Oscar Insurance Company | Silver Classic Standard | Silver | EPO | — | — | $471 |
| Oscar Insurance Company | Silver Simple PCP Saver | Silver | EPO | — | — | $471 |
| Priority Health | MyPriority Value Bronze HSA Corewell Health West Michigan Network (Allegan, Barry) | Bronze | HMO | — | — | $474 |
| Ambetter from Meridian | Standard Gold | Gold | HMO | — | — | $475 |
| Oscar Insurance Company | Silver Classic | Silver | EPO | — | — | $476 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Extra | Bronze | HMO | — | — | $476 |
| Ambetter from Meridian | Everyday Gold | Gold | HMO | — | — | $482 |
| Blue Care Network of Michigan | Blue Cross® Preferred HMO Bronze Saver HSA | Bronze | HMO | — | — | $485 |
| Oscar Insurance Company | Gold Classic Standard | Gold | EPO | — | — | $486 |
| Priority Health | MyPriority Value Bronze HSA | Bronze | HMO | — | — | $486 |
| Ambetter from Meridian | Standard Gold + Vision + Adult Dental | Gold | HMO | — | — | $492 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | Blue Cross® Premier PPO Bronze Secure | Bronze | PPO | — | — | $494 |
| Ambetter from Meridian | Everyday Gold + Vision + Adult Dental | Gold | HMO | — | — | $500 |
| Blue Care Network of Michigan | Blue Cross® Local HMO Silver Saver | Silver | HMO | — | — | $508 |
| McLaren Health Plan Community | MHP Young Adult/Catastrophic | Catastrophic | HMO | — | — | $514 |
Showing 40 of 87 plans, cheapest first.
How the premium changes with age
Cheapest silver plan by age (the same plan):
| Age | Monthly premium |
|---|---|
| 21 | $349 |
| 40 | $446 |
| 60 | $948 |
About these numbers
Premiums are the CMS-listed rate for a single non-smoking adult, before any premium tax credit. Most marketplace buyers qualify for a credit based on household income — the actual price can be far lower than the list rate, especially for silver plans. Deductibles and out-of-pocket maximums are for in-network care and vary by plan design. Check doctor and hospital networks before enrolling: a cheaper plan that excludes your doctors is not cheaper.
Related
All counties in Michigan · How to choose a plan · Premium tax credits explained · Metal tiers explained
Frequently asked questions
What is the cheapest health insurance plan in St. Clair County County?
The cheapest plan for a 40-year-old non-smoker is $349 a month (Bronze metal level) before tax credits, based on 2026 CMS rate filings. The cheapest silver plan, the benchmark for subsidies, is $446.
How much does health insurance cost in St. Clair County County?
For a 40-year-old non-smoker the cheapest plans in St. Clair County start around $349 a month before subsidies. Silver plans cost from $446; premiums rise with age and tobacco use.
How many insurers offer marketplace plans in St. Clair County County?
6 insurers filed 87 plan options for this county in the 2026 CMS file.