Health insurance options in Detroit
Residents of Detroit and Wayne County buy coverage from two markets: HealthCare.gov, with guaranteed-issue plans from Blue Cross Blue Shield of Michigan, Priority Health, Molina, Oscar, and Ambetter priced on income, and the private shared-network market, with PPO plans on Cigna, Aetna and PHCS PPO priced on health. Most people in Detroit have only been shown the first.
What it costs in Detroit
A healthy 40-year-old in Detroit pays roughly $550–$850 a month full price on the marketplace in 2026, or roughly $320–$480 on a private PPO. A family of four: roughly $1,500–$2,500 marketplace full price versus $800–$1,300 private. Prices depend on age, deductible and health; see live numbers on the quoting tool.
Keeping your Detroit doctors
Marketplace plans in Michigan are increasingly HMOs tied to one hospital system. The Cigna, Aetna and PHCS PPO PPO networks include most major providers in Wayne County and work in every state — we check your specific doctors before you enroll.
The Michigan factor
Michigan has a deep self-employed and skilled-trades workforce, and Blue Cross Blue Shield of Michigan dominates the marketplace — which is why people who want a different network look at private PPOs. Michigan has no state individual mandate.