Before subsidies, the benchmark silver plan for a 40-year-old in Oakland County cost about $507 a month for 2026, and the Michigan average for 2027 is $595 a month. Premium tax credits bring that down for many households, depending on income and family size. 5 insurers offered marketplace plans in Oakland County for 2026.
Looking for a health insurance broker near Berkley? Independent brokers compare plans from more than one insurer and help you weigh premiums, deductibles and doctor networks before you sign up. This page lists 12 broker offices close to Berkley, MI, nearest first.
Health Insurance Brokers near Berkley
Licensed agents can compare plans available in Oakland County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Do brokers cost more?
No. Health insurers pay brokers a commission that's already part of the premium. You pay the same price for a plan whether you buy it yourself or through a broker.
Broker or agent: what's the difference?
A captive agent sells one company's plans. An independent agent or broker is appointed with several insurers and can compare them. In everyday use the words overlap, so ask any office which carriers it can quote in Michigan.
What a broker can compare for you
Premiums, deductibles and out-of-pocket maximums; which doctors and hospitals are in each network; whether your prescriptions are covered; and whether you qualify for a premium tax credit.
Carriers a Berkley broker can quote
For 2027, marketplace plans in Michigan come from 7 insurers: Blue Cross Blue Shield of Michigan, Blue Care Network, Priority Health, Oscar Health, McLaren Health Plan, Meridian (Ambetter) and UnitedHealthcare Community Plan. Not every insurer sells in every county. An independent broker appointed with several of them can compare prices and networks side by side.
How to get ready
- Write down the enrollment deadline and confirm your first premium payment.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Check that the agent's license is active with the state regulator.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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
Frequently asked questions
Is there a fee to use a broker?
Most health insurance brokers charge nothing to individuals and families; the insurer pays them. Ask up front if you're unsure.
When can I buy a plan?
During open enrollment (Nov 1 to January 15 on the HealthCare.gov), or within 60 days of a qualifying life event such as losing other coverage, moving, marriage or a new baby.
How do I find a good health insurance broker in Berkley?
Look for a broker licensed in Michigan who can quote several carriers, is certified with the HealthCare.gov, and has reviews from local clients. You can verify any license with the Michigan insurance regulator.
Brokers in nearby cities
- Huntington Woods, MI 1 mile
- Royal Oak, MI 2 miles
- Oak Park, MI 2 miles
- Clawson, MI 3 miles
- Beverly Hills, MI 3 miles
- Birmingham, MI 4 miles
- Ferndale, MI 4 miles
- Southfield, MI 4 miles
- Madison Heights, MI 4 miles
- Hazel Park, MI 5 miles