What does coverage cost in Birmingham? A 40-year-old in Oakland County paid about $507 a month for the benchmark silver plan in 2026, before any subsidy; statewide, the 2027 average is $595. Most marketplace shoppers pay less after the premium tax credit, and a broker can show you your exact number.
There are 188 health insurance agencies within 25 miles of Birmingham, MI. The 15 listed here are the closest local agents, from single-agent offices to larger agencies, sorted by distance from the center of Birmingham.
Health Insurance Agents near Birmingham
Licensed agents can compare plans available in Oakland County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540What a local agent does
Agents licensed in Michigan can explain plan types (HMO, PPO, EPO), estimate your premium tax credit, enroll you, and help when something goes wrong with a claim or a bill.
Agents are free to use
Insurers pay agent commissions. Using a licensed agent doesn't add to your premium.
Questions to ask before you choose
Which carriers can you quote in Oakland County? Are you certified to enroll people through the HealthCare.gov? Will you help me at renewal next year?
Checking an agent's license in Michigan
- Michigan consumers can check whether an agent is licensed using the DIFS Locator, the department's online search for resident and nonresident producers, counselors and solicitors. Source
- The Michigan Department of Insurance and Financial Services (DIFS) licenses insurance agents and regulates insurers in the state. Consumers can file a complaint with DIFS online, including about an agent who is not properly licensed. Source
Free enrollment help in Michigan
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Frequently asked questions
Are local health insurance agents free?
Yes, for individual and family plans. The agent's commission is paid by the insurer and is already built into the premium.
How many agencies are near Birmingham?
Our listings show 188 health insurance agencies within 25 miles of Birmingham and 233 within 50 miles.
What's the difference between an agent and a navigator?
Navigators are trained helpers funded to give free, unbiased enrollment help, but they can't recommend a plan. Licensed agents can recommend plans and may also sell coverage outside the marketplace.
Agents in nearby cities
- Troy, MI 4 miles
- Huntington Woods, MI 5 miles
- Southfield, MI 5 miles
- Oak Park, MI 6 miles
- Madison Heights, MI 6 miles
- Ferndale, MI 7 miles
- Pontiac, MI 8 miles
- Hazel Park, MI 8 miles
- Rochester Hills, MI 9 miles
- Auburn Hills, MI 9 miles