Michigan · Insurer
Oscar Marketplace Plans in Michigan
Oscar sells EPO plans in four West Michigan counties around Grand Rapids: Kent, Muskegon, Oceana and Ottawa. Its network centers on Trinity Health hospitals, and it filed an 11.9% average 2027 increase.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes Oscar different
Oscar is the Marketplace EPO in Michigan. You can see in-network specialists without a referral. Out-of-network care is generally limited to emergencies.
Plans are sold in Kent, Muskegon, Oceana and Ottawa, built around Trinity Health Grand Rapids, Muskegon, Grand Haven and Lakeshore hospitals.
Oscar's 2026 Michigan plan grid lists $0 virtual urgent care. Saver-style Bronze and Silver options keep low day-one primary care and generic drug cost shares.
Filed average of 11.9%, with a 1.078 morbidity factor in the actuarial memo.
Is Oscar a good fit?
A good fit if
- You live in Kent, Muskegon, Oceana or Ottawa
- Your doctors are at Trinity Health West Michigan hospitals
- You want an EPO with $0 virtual urgent care and no specialist referral
Think twice if
- Sold in four counties only. Outside Kent, Muskegon, Oceana and Ottawa there is no Oscar Marketplace option.
- Confirm doctors and hospitals in the live directory. Corewell Health Butterworth and Blodgett are not confirmed for Oscar Marketplace plans.
- CMS did not rate Oscar in Michigan for 2025 or 2026. Michigan Oscar does not offer the diabetes, COPD or menopause specialty plans Oscar sells in some other states.
Good starting points
From its 8 2026 plans statewide, lowest price in any Michigan rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Oscar plans and prices
All 2026 Oscar plans in Michigan
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Bronze Classic Standard | MetalBronze | TypeEPO | Premium (age 40)$356 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties4 |
| Bronze Classic 4700 | MetalBronze | TypeEPO | Premium (age 40)$368 | Deductible$4,700 | OOP max$9,100 | Primary care$70 | Specialist$125 | Generic Rx$3 | HSANo | Counties4 |
| Bronze Elite + PCP Saver Plus | MetalBronze | TypeEPO | Premium (age 40)$392 | Deductible$0 | OOP max$10,150 | Primary care$45 | Specialist$130 | Generic Rx$3 | HSANo | Counties4 |
| Silver Classic Standard | MetalSilver | TypeEPO | Premium (age 40)$471 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties4 |
| Silver Simple PCP Saver | MetalSilver | TypeEPO | Premium (age 40)$471 | Deductible$5,500 | OOP max$9,800 | Primary care$20 | Specialist$70 | Generic Rx$3 | HSANo | Counties4 |
| Silver Classic | MetalSilver | TypeEPO | Premium (age 40)$476 | Deductible$5,600 | OOP max$8,400 | Primary care$35 | Specialist$80 | Generic Rx$3 | HSANo | Counties4 |
| Gold Classic Standard | MetalGold | TypeEPO | Premium (age 40)$486 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties4 |
| Gold Elite Saver Plus | MetalGold | TypeEPO | Premium (age 40)$534 | Deductible$0 | OOP max$8,600 | Primary care$0 | Specialist$30 | Generic Rx$3 | HSANo | Counties4 |
Other Michigan Marketplace insurers
Sources
- DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
- ACASignups, 2027 Michigan rate changes, September 30, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Michigan Marketplace guide and all insurers
Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.
Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.