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2025 Health Insurance Plans in Wayne County, MI

Find and compare 2025 health plans in Wayne County, MI. Every health insurance plan below offers 10 essential benefits and qualifies for cost assistance. Select a plan to learn more about cost-sharing, benefits, and how you can save.
Blue Cross® Local HMO Bronze Extra
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Blue Cross® Metro Detroit HMO Silver Extra
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Blue Cross® Local HMO Silver Extra
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Blue Cross® Metro Detroit HMO Bronze Extra
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Blue Cross® Preferred HMO Silver Extra
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Blue Cross® Preferred HMO Gold Extra
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Blue Cross® Select HMO Silver Extra
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Blue Cross® Preferred HMO Bronze Extra
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Blue Cross® Select HMO Bronze Extra
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Blue Cross® Select HMO Silver Saver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$9600 per group

Coinsurance:

20.00%
See Plan
Blue Cross® Select HMO Bronze Secure
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Blue Cross® Local HMO Silver Saver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$9600 per group

Coinsurance:

20.00%
See Plan
Blue Cross® Preferred HMO Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$17200 per group
Deductible:

$3400 per group

Coinsurance:

20.00%
See Plan
Blue Cross® Select HMO Bronze Saver HSA
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$16000 per group

Coinsurance:

0.00%
See Plan
Blue Cross® Select HMO Value
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Blue Cross® Preferred HMO Value
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Blue Cross® Select HMO Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$8800 per group

Coinsurance:

20.00%
See Plan
Blue Cross® Local HMO Bronze Secure
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Blue Cross® Preferred HMO Bronze Saver HSA
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$16000 per group

Coinsurance:

0.00%
See Plan
Gold Elite Saver Plus
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15800 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

20.00%
See Plan
EMI Health Premier PPO (High)
2025
High
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
EMI Health Premier PPO (Low)
2025
Low
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
EMI Health Advantage Co-Pay
2025
Low
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
EMI Health Advantage PPO
2025
Low
HSA:
Out-of-Pocket Maximum:

per person not applicable
per group not applicable
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Paramount Dental Preventive Family Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$25 per person
per group not applicable

Coinsurance:

See Plan
Bronze Elite + PCP Saver Plus
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Paramount Dental Essential Plus Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Paramount Dental Total Care Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Bronze Classic 4700
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18200 per group
Deductible:

$9400 per group

Coinsurance:

50.00%
See Plan
Silver Simple PCP Saver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17200 per group
Deductible:

$11000 per group

Coinsurance:

40.00%
See Plan
Bronze Classic Standard
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Silver Classic Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Gold Classic Standard
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Delta Dental Individual PPO, EHB Certified
2025
High
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Delta Dental Individual PPO, EHB Certified
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
MHP Silver Exchange Rewards
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16500 per group
Deductible:

$2000 per person
$4000 per group

Coinsurance:

0.00%
See Plan
Silver Classic
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10800 per group

Coinsurance:

50.00%
See Plan
Secure
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
MHP Young Adult/Catastrophic
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
MHP Silver Exchange
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$3500 per person
$7000 per group

Coinsurance:

20.00%
See Plan
MHP Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$2800 per group

Coinsurance:

20.00%
See Plan
MHP Bronze
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
MHP Bronze Saver (Expanded)
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$16600 per group
Deductible:

$16600 per group

Coinsurance:

0.00%
See Plan
MHP Gold Standard
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
MHP Silver Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
MHP Expanded Bronze Standard
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Humana Dental Smart Choice
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

per person not applicable
per group not applicable

Coinsurance:

See Plan
Guardian Essentials for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
Guardian Select for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
University of Michigan Health Plan HMO Exclusive Catastrophic
2025
Catastrophic
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$18400 per group

Coinsurance:

0.00%
See Plan
Guardian Preventive Plus for Families and Individuals
2025
Low
HSA:
Out-of-Pocket Maximum:

$425 per person
$850 per group
Deductible:

$50 per person
per group not applicable

Coinsurance:

See Plan
University of Michigan Health Plan HMO Exclusive Silver Standard
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
University of Michigan Health Plan HMO Exclusive Bronze Standard
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
University of Michigan Health Plan HMO Exclusive Gold Classic
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$1000 per person
$2000 per group

Coinsurance:

20.00%
See Plan
Standard Expanded Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
University of Michigan Health Plan HMO Exclusive Gold Select
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$13600 per group
Deductible:

$2000 per person
$4000 per group

Coinsurance:

30.00%
See Plan
Standard Silver + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
University of Michigan Health Plan HMO Exclusive Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$7000 per person
$14000 per group

Coinsurance:

40.00%
See Plan
Standard Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
University of Michigan Health Plan HMO Exclusive Silver Select Plus
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$5000 per group

Coinsurance:

40.00%
See Plan
University of Michigan Health Plan HMO Exclusive Bronze
2025
Bronze
HSA: No
Out-of-Pocket Maximum:

$17000 per group
Deductible:

$13000 per group

Coinsurance:

50.00%
See Plan
University of Michigan Health Plan HMO Exclusive Gold Standard
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
University of Michigan Health Plan HMO Exclusive Bronze HSA
2025
Expanded Bronze
HSA: Yes
Out-of-Pocket Maximum:

$14200 per group
Deductible:

$14200 per group

Coinsurance:

0.00%
See Plan
Elite Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$11000 per group
Deductible:

$0 per group

Coinsurance:

30.00%
See Plan
Everyday Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$1500 per group

Coinsurance:

35.00%
See Plan
Elite Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$11000 per group
Deductible:

$0 per group

Coinsurance:

30.00%
See Plan
Standard Expanded Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Standard Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Standard Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Everyday Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16900 per group

Coinsurance:

50.00%
See Plan
Elite Bronze + Vision + Adult Dental
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Focused Silver + Vision + Adult Dental
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$12600 per group

Coinsurance:

50.00%
See Plan
Everyday Gold + Vision + Adult Dental
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$14000 per group
Deductible:

$1500 per group

Coinsurance:

35.00%
See Plan
Healthy Heart Silver Adult Vision & Fitness
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17600 per group
Deductible:

$9000 per group

Coinsurance:

50.00%
See Plan
HDHP Preventive Silver
2025
Silver
HSA: Yes
Out-of-Pocket Maximum:

$11000 per group
Deductible:

$11000 per group

Coinsurance:

0.00%
See Plan
Everyday Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$16900 per group

Coinsurance:

50.00%
See Plan
Elite Bronze
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$0 per person
$0 per group

Coinsurance:

50.00%
See Plan
Clear Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$13000 per group
Deductible:

$13000 per group

Coinsurance:

0.00%
See Plan
Focused Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$12600 per group

Coinsurance:

50.00%
See Plan
Diabetes Silver Adult Vision & Fitness
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17600 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
Healthy Heart Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$3000 per group

Coinsurance:

30.00%
See Plan
Healthy Heart Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17600 per group
Deductible:

$9000 per group

Coinsurance:

50.00%
See Plan
Healthy Heart Gold Adult Vision & Fitness
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$3000 per group

Coinsurance:

30.00%
See Plan
Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Low Premium Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$12000 per group

Coinsurance:

40.00%
See Plan
Gold Adult Vision & Fitness
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Silver Adult Vision & Fitness
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$16000 per group
Deductible:

$10000 per group

Coinsurance:

40.00%
See Plan
Low Premium Silver Adult Vision & Fitness
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18000 per group
Deductible:

$12000 per group

Coinsurance:

40.00%
See Plan
Bronze First
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Bronze First Adult Vision & Fitness
2025
Expanded Bronze
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$15000 per group

Coinsurance:

50.00%
See Plan
Diabetes Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$2200 per group

Coinsurance:

30.00%
See Plan
Diabetes Silver
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$17600 per group
Deductible:

$8000 per group

Coinsurance:

50.00%
See Plan
Diabetes Gold Adult Vision & Fitness
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15000 per group
Deductible:

$2200 per group

Coinsurance:

30.00%
See Plan
Silver 12 with First 4 Primary Care Visits Free
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$18400 per group
Deductible:

$14000 per group

Coinsurance:

20.00%
See Plan
BEST Life Essential Basic Dental Plan
2025
Low
HSA:
Out-of-Pocket Maximum:

$350 per person
$700 per group
Deductible:

$75 per person
per group not applicable

Coinsurance:

See Plan
Gold 1 with Adult Vision Services
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16200 per group
Deductible:

$3280 per group

Coinsurance:

25.00%
See Plan
Gold
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$15600 per group
Deductible:

$3000 per group

Coinsurance:

25.00%
See Plan
Silver 1 with Adult Vision Services
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15880 per group
Deductible:

$11500 per group

Coinsurance:

40.00%
See Plan
Gold 1
2025
Gold
HSA: No
Out-of-Pocket Maximum:

$16200 per group
Deductible:

$3280 per group

Coinsurance:

25.00%
See Plan
Silver 1
2025
Silver
HSA: No
Out-of-Pocket Maximum:

$15880 per group
Deductible:

$11500 per group

Coinsurance:

40.00%
See Plan