Free hospital check
Is Munson Healthcare in your plan? Get a free check.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
How the check works: a licensed agent checks Munson Healthcare, and any doctors you name, against every 2027 marketplace plan filed in your county, then sends you the plans that include them and the date it was checked. It costs nothing, and you only get a call if you ask for one.
Self-employed, or a business owner on no company plan? The plans that include Munson Healthcare can be bought without an employer, and a licensed agent prices them against your expected income.
- Your ZIP code
- Who to check — Munson Healthcare is filled in
- Your answer, usually the same day
Open Enrollment for 2027 runs November 1 to January 15: choose by December 15 for coverage from January 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. A licensed agent will check the 2027 plans for you before you choose.
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.
Insurance at Munson Healthcare: the short answer
These 4 insurers sell 2027 marketplace plans in the 5 counties it serves: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community and Priority Health. In the insurers’ own 2027 directory files, each of the 5 hospitals checked here is listed by between 2 and 3 of the insurers selling in its county (see which).
That is not a list of plans Munson Healthcare accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes Munson Healthcare and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↑
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
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 | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|---|
| Munson Healthcare Grayling Hospital | Grayling | Crawford County | Yes | 3 of 5 | Acute care | Non-profit |
| Munson Medical Center | Traverse City | Grand Traverse County | Yes | 4 of 5 | Acute care | Non-profit |
| Munson Healthcare Manistee Hospital | Manistee | Manistee County | Yes | 4 of 5 | Acute care | Non-profit |
| Munson Healthcare Otsego Memorial Hospital | Gaylord | Otsego County | No | 4 of 5 | Acute care | Non-profit |
| Munson Healthcare Cadillac Hospital | Cadillac | Wexford County | Yes | 4 of 5 | Acute care | Non-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same July 2026 CMS file. Small rural (critical access) hospitals often have too few reported measures to be rated.
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 206 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.
Munson Healthcare in the insurers’ 2027 directory files
Every insurer selling marketplace plans through HealthCare.gov has to publish its provider directory as a public, machine-readable file. These are what those files said on November 2, 2026, for the plans each insurer filed in the county where the hospital is.
Munson Healthcare Grayling Hospital, Grayling (Crawford County)
| Insurer | What its own file says |
|---|---|
| Blue Cross Blue Shield of Michigan | Listed under 18 of 18 plans |
| McLaren Health Plan Community | Listed under 8 of 8 plans |
| Priority Health | Listed under 8 of 8 plans |
Munson Medical Center, Traverse City (Grand Traverse County)
| Insurer | What its own file says |
|---|---|
| Blue Cross Blue Shield of Michigan | Listed under 24 of 24 plans |
| McLaren Health Plan Community | Listed under 8 of 8 plans |
| Priority Health | Listed under 8 of 8 plans |
Munson Healthcare Manistee Hospital, Manistee (Manistee County)
| Insurer | What its own file says |
|---|---|
| Blue Cross Blue Shield of Michigan | Listed under 24 of 24 plans |
| McLaren Health Plan Community | Not found in its file (8 plans) |
| Priority Health | Listed under 8 of 8 plans |
Munson Healthcare Otsego Memorial Hospital, Gaylord (Otsego County)
| Insurer | What its own file says |
|---|---|
| Blue Cross Blue Shield of Michigan | Listed under 18 of 18 plans |
| McLaren Health Plan Community | Listed under 8 of 8 plans |
| Priority Health | Listed under 8 of 8 plans |
Munson Healthcare Cadillac Hospital, Cadillac (Wexford County)
| Insurer | What its own file says |
|---|---|
| Blue Cross Blue Shield of Michigan | Listed under 24 of 24 plans |
| McLaren Health Plan Community | Listed under 8 of 8 plans |
| Priority Health | Listed under 8 of 8 plans |
A listing is the insurer’s own claim in its file on that date, not a promise. Directory files are self-reported and can be out of date, a listed hospital can still be out of network for a particular service, and a doctor who works there is a separate question. “Not found” means no record with this hospital’s name at its address turned up in that file; the insurer may list it another way, so it is not proof the hospital is out of network. The free check at the top of this page confirms your exact plan with the insurer before you enroll.
Source: each insurer’s machine-readable provider directory, as indexed in the CMS Machine Readable PUF for plan year 2027 (data.healthcare.gov), matched to the CMS Hospital General Information file by facility name and ZIP code. Plans counted are the 2027 metal-level plans each insurer filed in the county.
The 2027 marketplace where Munson Healthcare sits
Filed rates for plan year 2027, 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 | 37 | Yes | $741 | $2,369 |
| Grand Traverse County | 4 | 44 | Yes | $636 | $2,033 |
| Manistee County | 4 | 44 | Yes | $636 | $2,033 |
| Otsego County | 4 | 37 | Yes | $741 | $2,369 |
| Wexford County | 4 | 44 | Yes | $636 | $2,033 |
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.
How many providers each insurer lists in Crawford County
Every insurer selling marketplace plans has to publish its provider directory as a data file. The figures count the doctors, clinics and hospitals each one lists at an address in Crawford County, across the 2026 plans it filed there. Blue Cross Blue Shield of Michigan Mutual Insurance Company lists the most, 366. McLaren Health Plan Community lists the fewest, 234.
| Insurer | Providers listed in Crawford County | Plans filed |
|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 366 | 9 |
| Blue Care Network of Michigan | 339 | 9 |
| Priority Health | 302 | 9 |
| McLaren Health Plan Community | 234 | 9 |
From each insurer’s own CMS machine-readable provider directory, downloaded September 25, 2026. A bigger number is not a promise about Munson Healthcare. These files are self-reported, they go stale, and one insurer’s plans do not all use the same network — which is why a licensed agent checks the exact plan against Munson Healthcare by hand above.
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. A licensed agent 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 it was 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.
More in Michigan
Hospital systems
Bronson Healthcare · Corewell Health · DMC · Henry Ford Health · McLaren Health Care · MyMichigan Health · Sparrow Health System · Trinity Health · University of Michigan Health