Michigan health insurance 2027: prices, plans and free help

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 All states' 2027 dates.

Medicaid expansion

Michigan adopted Medicaid expansion (Healthy Michigan Plan, implemented April 1, 2014).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.

Average cost of health insurance in Michigan for 2027

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averages $595 a month for a 40-year-old in Michigan for 2027, before any credit. That is up 14% from $523 in 2026.Source By county, the 2027 benchmark runs from $485 to $1,034 a month.Source

2027 benchmark silver price by age in Michigan

Age 40 is the KFF benchmark. Other ages use the CMS default age curve.SourceSource Tax credits lower these prices for most buyers. See your own price with the 2027 price checker.

The 2026 Marketplace in Michigan, in numbers

For 2026, 497,064 Michigan residents picked a Marketplace plan during Open Enrollment, and 81.1% of them received an advance premium tax credit. The average premium was $657 a month per person before the credit and $222 after it, counting everyone who picked a plan. 16.2% paid $10 a month or less after the credit.Source

The benchmark plan, the second-lowest-cost silver plan that tax credits are measured against, averaged $523 a month for a 40-year-old in Michigan in 2026, before any credit.Source 7 insurers offered individual-market plans through HealthCare.gov in Michigan for 2026.Source

Your own price depends on your age, county, household income and the plan you pick, and you see exact 2027 numbers only on a Marketplace application or a quote. How the pieces fit together is in how much health insurance costs per month.

What our clients in Michigan actually paid each month is in health insurance cost by state.

Health insurance companies in Michigan for 2027

CMS lists 7 insurers selling 143 Marketplace plans in Michigan for 2027, across 83 counties. Which ones you can buy depends on your county.Source

• Blue Care Network of Michigan: all 83 counties
• Blue Cross Blue Shield of Michigan Mutual Insurance Company: 72 of 83 counties
• Priority Health: 68 of 83 counties
• McLaren Health Plan Community: 60 of 83 counties
• Ambetter from Meridian: 35 of 83 counties
• UnitedHealthcare: 17 of 83 counties
• Oscar Insurance Company: 4 of 83 counties

This is CMS’s list of insurers on HealthCare.gov, not a list of the companies America First Healthcare works with.

Cheap health insurance in Michigan: where the low prices are

Before tax credits, the lowest-cost bronze plan for a 40-year-old costs $467 a month in the middle Michigan county for 2027, from $399 to $610 across the state. The lowest-cost silver plan costs $646 in the middle county.Source

Tax credits change the price most. For 2026, 81.1% of Michigan Marketplace enrollees got a premium tax credit, and 16.2% paid $10 a month or less after it.Source

Michigan expanded Medicaid, so adults with low incomes may qualify for Medicaid at little or no cost.Source For people who mainly want protection from a large bill, a catastrophic plan can cost less; what our own clients pay is in health insurance cost by state.

Short-term health insurance 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.Source Short-term plans are not Marketplace coverage and do not get tax credits. How they compare with a catastrophic plan is in catastrophic coverage.

Free, impartial help in Michigan

If you have Medicare or will soon: Michigan’s State Health Insurance Assistance Program (SHIP) is Michigan State Health Insurance Assistance Program (SHIP), 1-800-803-7174.Source SHIPs are federally funded, give objective one-on-one Medicare counseling, and there is no cost to use them.Source

If you are buying a Marketplace plan: HealthCare.gov’s Find Local Help directory lists assisters trained and certified by the Marketplace, who are required to give fair, impartial information.Source

America First Healthcare is a licensed agency, not a SHIP or a Marketplace assister. Use them, us, or both; a second opinion costs you nothing either way.

Who we usually help in Michigan

New to private coverage? Start with private health insurance in the USA.

Self-employed? Self-employed health insurance in Michigan has your 4 options, 2026 prices and a tax deduction calculator.

• Self-employed and 1099 workers, plus the five coverage alternatives and how the rules differ by state
• Small business owners
• Early retirees bridging to Medicare
• People losing employer coverage
• People who are out of work
• 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.

What a licensed advisor does and how advisors are paid is on talk to a licensed advisor near you.

On our homepage map, Michigan is one of the states marked active now.

Michigan health insurance FAQs

Educational only. Not medical, legal, or personalized insurance advice. Plans are offered and underwritten by third-party carriers. All states.