Before subsidies, the benchmark silver plan for a 40-year-old in Monroe County cost about $511 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. 4 insurers offered marketplace plans in Monroe County for 2026. Keep reading for what's sold in Monroe County, which local agencies have the best reviews, and how to get a quote.
Top-rated health insurance agencies near Lambertville
Licensed agents can compare plans available in Monroe County, check your doctors and estimate your premium tax credit. Free to you.
Call 866-645-8540Health insurance at a glance: Lambertville, MI
| Where to enroll | HealthCare.gov |
|---|---|
| Average benchmark silver, age 40 (2027) | $595/mo before subsidies |
| Monroe County benchmark (2026) | $511/mo |
| Plans offered in Monroe County (2026) | 46 |
| Plan types | HMO, PPO |
| 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.
Before you call an agent
- Compare total yearly cost (premiums plus deductible), not just the monthly premium.
- Ask each agent which carriers they can quote in your county.
- Write down the enrollment deadline and confirm your first premium payment.
- Make a list of your doctors, hospitals and prescriptions before you call anyone.
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 Lambertville?
Through the HealthCare.gov, directly from an insurer, or with a licensed agent or broker who can do either.
Which insurers sell marketplace plans in Michigan?
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.
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
- Temperance, MI 3 miles
- Sylvania, OH 5 miles
- Toledo, OH 6 miles
- Rossford, OH 12 miles
- Oregon, OH 12 miles
- Northwood, OH 12 miles
- Maumee, OH 13 miles
- South Monroe, MI 15 miles
- Perrysburg, OH 15 miles
- Monroe, MI 17 miles