Michigan Health Insurance (2026)
ACA marketplace health insurance rates, Medicaid eligibility, and top insurers in Michigan. Rates shown before premium tax credits — most buyers qualify for subsidies.
Silver Premium
$475/mo
Age 40, before credits
Avg Deductible
$4,100
Silver plan
Medicaid
Expanded
Up to 138% FPL
Insurers
8
On marketplace
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Top Health Insurers in Michigan
1
Compare PlansBlue Cross Blue Shield
Nationwide network
Avg Monthly
$480
Network
Very Large
Rating
4.5/5
2
Compare PlansUnitedHealthcare
Employer plans
Avg Monthly
$510
Network
Large
Rating
4.3/5
3
Compare PlansAetna
CVS integration
Avg Monthly
$495
Network
Large
Rating
4.2/5
4
Compare PlansCigna
Mental health coverage
Avg Monthly
$490
Network
Large
Rating
4.2/5
5
Compare PlansKaiser Permanente
Integrated care
Avg Monthly
$440
Network
Regional
Rating
4.7/5
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Enrollment Requirements & Key Dates
- •Open Enrollment: Nov 1 – Jan 15
- •Healthy Michigan Plan covers adults up to 138% FPL
- •ACA subsidies via HealthCare.gov
Michigan Health Insurance Facts
Michigan expanded Medicaid (Healthy Michigan Plan) in 2014.
Blue Cross Blue Shield of Michigan is dominant on the marketplace.
Upper Peninsula faces rural coverage gaps and higher costs.
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