Before subsidies, the benchmark silver plan for a 40-year-old in Kent County cost about $471 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. 7 insurers offered marketplace plans in Kent County for 2026. The rest of this page covers your coverage options in Grand Rapids, the best-reviewed local agencies and the deadlines that matter.
Top-rated health insurance agencies near Grand Rapids
Licensed agents can compare plans available in Kent County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Grand Rapids, MI
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $595/mo before subsidies |
| Kent County benchmark (2026) | $471/mo |
| Plans offered in Kent County (2026) | 80 |
| Plan types | HMO, PPO, EPO |
| Marketplace insurers in Michigan (2027) | 7 |
| Medicaid expansion | Yes |
| Short-term plans | Sold with state limits (not ACA-compliant) |
Sources: CMS plan data, KFF, state marketplace and insurance department pages.
Local health care in Grand Rapids
- Corewell Health, whose providers are concentrated around its downtown Grand Rapids campus, is a key network to confirm in a plan's directory before you enroll in Grand Rapids. Source
- Grand Rapids is served by the Kent County Health Department, which offers clinical services such as immunizations and STI testing along with environmental health programs. Source
Before you choose a plan, check that the hospitals and doctors you use are in its network. An agent can look that up for each plan you compare.
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.
- Ask each agent which carriers they can quote in your county.
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
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
Where can I buy health insurance in Grand Rapids?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
How much is health insurance in Grand Rapids?
Before subsidies, the benchmark silver plan for a 40-year-old in Kent County cost about $471 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. 7 insurers offered marketplace plans in Kent County for 2026. A licensed agent can quote your exact price.
Can I get coverage outside open enrollment?
Only with a qualifying life event, unless you qualify for Healthy Michigan Plan. Some people also look at short-term or fixed-indemnity plans, which are not ACA-compliant coverage.
Health insurance in nearby cities
- East Grand Rapids, MI 3 miles
- Walker, MI 5 miles
- Wyoming, MI 6 miles
- Comstock Park, MI 6 miles
- Kentwood, MI 6 miles
- Northview, MI 6 miles
- Grandville, MI 7 miles
- Forest Hills, MI 8 miles
- Cutlerville, MI 8 miles
- Jenison, MI 9 miles