Health insurance cost in Michigan
If you're moving to Michigan without job-based coverage, here's what a Marketplace plan costs before subsidies. Michigan ranks #12 of 51 for the lowest benchmark premium.
Monthly premium by age
| Age | Benchmark silver | Cheapest bronze |
|---|---|---|
| 21 | $409 | $300 |
| 30 | $464 | $341 |
| 40 | $523 | $384 |
| 50 | $731 | $536 |
| 60 | $1,111 | $816 |
| 64 | $1,227 | $901 |
Scaled from the age-40 average with the federal default age curve, which lets insurers charge a 64-year-old up to 3× what a 21-year-old pays. Excludes tobacco surcharges.
The Michigan benchmark rose 29% for 2026, more than the 26% national increase, leaving it 16% below the U.S. average for a 40-year-old.
What is different in Michigan
- Where to enroll
- HealthCare.gov
- Open enrollment for 2027
- Nov 1 – Jan 15
- Marketplace insurers, 2026
- 6
- Medicaid expansion
- Since Apr 2014
- Penalty if uninsured
- None
- Average paid after credits, 2026
- $222/mo
- Where and when. Michigan uses HealthCare.gov, the federal marketplace. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027; pick a plan by December 15 for coverage that starts January 1.
- Choice of insurers. 6 insurers sell Marketplace plans in Michigan for 2026, down from 9 in 2025. Not every insurer sells in every county, so your choices depend on where you live. 497,064 people picked a Marketplace plan here for 2026, down 6% from 2025.
- What enrollees paid. Enrollees here paid an average of $222 a month after tax credits for 2026, up 69% from the $131 they paid for 2025 (U.S. average: $178). Before credits, the plans they chose averaged $657.
- Medicaid. Michigan expanded Medicaid in April 2014. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.
- Going uninsured. Michigan doesn't charge a penalty for going without coverage, and the federal penalty ended after 2018. In 2024, 5% of residents had no health insurance (U.S.: 8.2%), and 5% bought their own coverage.
Subsidies in 2026
The enhanced premium tax credits of 2021–2025 expired, so 2026 follows the original ACA rules: credits are available for household incomes between 100% and 400% of the federal poverty level, and you're expected to pay between about 2.1% and 9.96% of income for the benchmark plan. Above 400% there's no federal credit. Check your price at HealthCare.gov.
Frequently asked questions
How much is health insurance in Michigan in 2026?
The benchmark silver plan for a 40-year-old averages $523 a month before subsidies, and the cheapest bronze plan $384 (KFF analysis of CMS data). That's up 29% from 2025.
How much does health insurance cost for a 60-year-old in Michigan?
About $1,111 a month for the benchmark silver plan before subsidies, using the federal default age curve.
Did Michigan expand Medicaid?
Michigan expanded Medicaid in April 2014. Adults with income up to 138% of the federal poverty level can generally get Medicaid instead of a Marketplace plan.