Before subsidies, the benchmark silver plan for a 40-year-old in Macomb 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 Macomb County for 2026.
A health insurance broker in Sterling Heights works for you, not for one insurance company. Brokers are licensed in Michigan to sell plans from several carriers, so one conversation can cover marketplace plans, off-exchange plans and other options side by side. Below are 12 brokerages near Sterling Heights, sorted by distance.
Health Insurance Brokers near Sterling Heights
Licensed agents can compare plans available in Macomb 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 Sterling Heights 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
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Check that the agent's license is active with the state regulator.
- Have a realistic estimate of next year's household income; subsidies are based on it.
- Ask each agent which carriers they can quote in your county.
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
Can a broker help me get a subsidy?
Yes. Brokers certified with the marketplace can estimate your premium tax credit and enroll you in a subsidized plan.
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.
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.
Brokers in nearby cities
- Utica, MI 3 miles
- Fraser, MI 5 miles
- Troy, MI 6 miles
- Warren, MI 6 miles
- Madison Heights, MI 6 miles
- Clawson, MI 7 miles
- Center Line, MI 7 miles
- Roseville, MI 7 miles
- Mount Clemens, MI 8 miles
- Royal Oak, MI 8 miles