Health Insurance in Dearborn, MI

Health Insurance in Dearborn, MI

Residents of Dearborn can compare marketplace health plans from Blue Cross Blue Shield of Michigan, Blue Care Network, McLaren Health Plan, Priority Health, Molina Healthcare, HAP (Health Alliance Plan). The leading carrier in Dearborn is Blue Cross Blue Shield of Michigan. Dearborn has a large Arab American population and a significant portion of Ford Motor Company workers. Ford employees have employer-sponsored plans; self-employed and contract workers use the marketplace. HAP has strong network access in the Dearborn/Dearborn Heights area.

2026 Plan Data for Residents in Dearborn

Here is what is actually filed and for sale in Wayne County for 2026.

• Dearborn sits in Wayne County, where 5 carrier(s) have filed 64 plans for 2026: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community, Priority Health, UnitedHealthcare.
• Plan types available to Dearborn residents: HMO, PPO.
• One of the lower-cost Silver options is Blue Cross® Local HMO Silver Saver from Blue Care Network of Michigan — $508/month at age 40 with a $5,800 deductible and $60 primary care.

Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Verify current rates at enrollment.

Local Hospitals in Dearborn, MI

• Henry Ford Hospital (Detroit)
• Beaumont Hospital – Dearborn (Corewell Health East)
• Garden City Hospital

Verify your preferred hospital is in-network on any plan before enrolling. Contact the insurer's provider directory for confirmation.

Urgent Care Centers in Dearborn

• Henry Ford Urgent Care Dearborn
• Beaumont Urgent Care Dearborn
• Concentra Urgent Care

ACA Subsidies for Dearborn Residents

At 339% of the Federal Poverty Level, residents earning around the Dearborn median income of $53,000 qualify for ACA premium tax credits on the marketplace. Under current subsidy rules, the most a single adult at this income pays for a benchmark Silver plan is $375 per month, and most enrollees pay less after plan-level cost-sharing reductions.

Dearborn residents enroll through healthcare.gov, the federal marketplace. Open Enrollment runs November 1 through January 15 each year. Special Enrollment Periods are available within 60 days of losing other coverage, marriage, birth of a child, or a move. A licensed broker can confirm your exact subsidy amount based on your income and household size before you enroll.

Dearborn Health Insurance Market Profile

• Population: 93K
• County: Wayne County
• Median Household Income: $53,000 (~339% of the 2026 FPL)
• Marketplace: healthcare.gov