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Health insurance in Michigan: private plans, the Marketplace, and how AFHC helps
America First Healthcare helps Michigan residents compare private plans, Marketplace options and gap coverage with a licensed advisor. Below is how buying coverage works in Michigan, with every fact linked to its source.
Verify any agent's license through the NIPR lookup.
Quick facts
- Marketplace
- HealthCare.gov
- 2027 open enrollment
- See the dates
- Medicaid expansion
- Adopted
- Short-term plans
- Limited
- Insurance department
- Michigan Department of Insurance and Financial Services
Facts checked 2026-09-14.
Michigan health insurance facts
- Marketplace
- Michigan uses HealthCare.gov, the federally facilitated Marketplace.Source
- 2027 open enrollment
- November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.Source
- Medicaid expansion
- Michigan adopted Medicaid expansion (Healthy Michigan Plan, implemented April 1, 2014).Source
- Short-term plans
- Short-term plans are sold in Michigan. They do not have to cover pre-existing conditions or the ACA essential health benefits. Federal rules on how long they can last changed in 2024, and federal enforcement of those limits was paused in August 2025, so state rules govern in practice. Check the Michigan Department of Insurance and Financial Services before you buy.Source
- State insurance department
- Michigan Department of Insurance and Financial Services. File complaints and check agent licenses here.Source
Facts checked 2026-09-14. Rules change; confirm anything you plan around at the linked source.
Who we usually help in Michigan
Most Michigan households who book a review are buying coverage without an employer in the middle. The hubs below explain each situation in detail.
- Self-employed and 1099 workers
- Small business owners
- Early retirees bridging to Medicare
- People losing employer coverage
- Families who want catastrophic-first coverage
We work with families across Michigan, including Detroit, Grand Rapids, Lansing and Ann Arbor, and everywhere in between. The review is by phone or video, so where you live in the state does not change how it works.
How the free review works for Michigan residents
- Book online at the free healthcare review page or call (888) 728-7640.
- One scheduled call with one licensed advisor. We look at what you have and what your household actually needs in Michigan.
- You get the options side by side with every cost shown. No timeline and no pressure; move forward or walk away knowing where you stand.
On our homepage map, Michigan is one of the states marked active now.
Michigan health insurance FAQs
Is short-term health insurance allowed in Michigan?
Short-term plans are sold in Michigan. They do not have to cover pre-existing conditions or the ACA essential health benefits. Federal rules on how long they can last changed in 2024, and federal enforcement of those limits was paused in August 2025, so state rules govern in practice. Check the Michigan Department of Insurance and Financial Services before you buy.
When is open enrollment in Michigan for 2027 coverage?
November 1, 2026 to January 15, 2027. Enroll by December 15, 2026 for coverage that starts January 1, 2027; enroll December 16 to January 15 for a February 1 start.
Does Michigan use HealthCare.gov or its own marketplace?
Michigan uses HealthCare.gov, the federally facilitated Marketplace, for Marketplace plans and premium tax credits.
How do I verify an insurance agent's license in Michigan?
Look the agent up through the NIPR license lookup, or contact the Michigan Department of Insurance and Financial Services. Ask for the agent's name and national producer number before you share personal information. NIPR license lookup.
Want a plain-English walkthrough of your Michigan options? Book a free healthcare review. No hard sell.
Free healthcare reviewEducational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.