Munson Healthcare runs 5 hospitals in Michigan, in Cadillac, Gaylord, Grayling, Manistee, Traverse City. Whether a marketplace plan covers any one of them depends on the individual plan, not on the carrier's name, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan.
Free hospital check
Is Munson Healthcare in the plan you’re looking at? I’ll check for you.
Enter your ZIP code. I’ll check Munson Healthcare, and any doctors you name, against every 2026 marketplace plan filed in your county, then send you the plans that include them and the date I checked. It costs nothing, and I only call if you ask me to.
- Your ZIP code
- Who to check — Munson Healthcare is filled in
- My answer, usually the same day
Open Enrollment for 2027 opens November 1. CareSource is leaving Ohio’s marketplace for 2027. If your plan is from CareSource, it ends December 31, and the plan that replaces it may not include Munson Healthcare. I’ll check the 2027 plans for you before you choose.
Where Munson Healthcare is
5 facilities, taken from the CMS Hospital General Information file, updated 22 July 2026. Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | Emergency room |
|---|---|---|---|
| Munson Healthcare Grayling Hospital | Grayling | Crawford County | Yes |
| Munson Medical Center | Traverse City | Grand Traverse County | Yes |
| Munson Healthcare Manistee Hospital | Manistee | Manistee County | Yes |
| Munson Healthcare Otsego Memorial Hospital | Gaylord | Otsego County | No |
| Munson Healthcare Cadillac Hospital | Cadillac | Wexford County | Yes |
Why no page can promise your plan covers Munson Healthcare
Hospital networks are set plan by plan and renegotiated during the year. Two plans from the same insurer, at similar prices, can differ on whether a hospital is in network. Nothing in the public CMS files records hospital contracts, so any page listing "insurers Munson Healthcare accepts" is describing one plan on one day, and not saying which.
What is knowable is the shape of the market: 4 insurers file 198 plans across the 5 counties below, and some plans in Grand Traverse County are PPOs, which pay something out of network; the rest (HMO) generally do not.
Three checks settle it for your own plan: the insurer’s own provider directory for the exact plan name, the hospital’s billing office (ask about the plan, not the carrier), and the date you checked, because the answer can change mid-year.
The 2026 marketplace where Munson Healthcare sits
Filed rates for plan year 2026, before any premium tax credit. Benchmark Silver is the second-lowest-cost Silver plan for a 40-year-old, the plan credits are calculated against.
| County | Insurers filing | Plans filed | PPO sold | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| Crawford County | 4 | 36 | Yes | $645 | $2,064 |
| Grand Traverse County | 4 | 42 | Yes | $546 | $1,746 |
| Manistee County | 4 | 42 | Yes | $546 | $1,746 |
| Otsego County | 4 | 36 | Yes | $645 | $2,064 |
| Wexford County | 4 | 42 | Yes | $546 | $1,746 |
In Grand Traverse County the insurers filing are Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health. 5 of these counties have a PPO on the exchange.
Open Enrollment 2027
No insurer has been reported leaving Michigan's marketplace for 2027, but plans and networks are filed fresh every year. Open Enrollment runs 1 November 2026 to 15 January 2027. I can check Munson Healthcare, and any doctors you name, against the plans filed in your county and send you the ones that include them, with the date I checked.
Emergency care is treated differently
4 of these locations run an emergency room. Federal law requires marketplace plans to cover emergency care at in-network cost sharing even when the hospital is out of network, so an emergency visit is not the case to worry about. Planned surgery, imaging, maternity and specialist follow-up are where the network matters.