Michigan Health Insurance Marketplace 2026
Compare 116 health insurance plans on the Michigan Marketplace from 7 insurers. See premiums by metal tier and estimate your subsidy in under a minute.
In Michigan, 116 ACA Marketplace health insurance plans from 7 insurers are available for 2026. For a 40-year-old before subsidies, Bronze plans start at $345/month, Silver plans at $385/month, Gold plans at $409/month, and Catastrophic plans at $351/month. The lowest-priced plan overall is Blue Cross® Local HMO Bronze Secure from Blue Care Network of Michigan at $345/month. Most enrollees qualify for a premium tax credit that lowers what they actually pay each month.
Lowest-cost plan by tier in Michigan
Starting monthly premium for a 40-year-old, before any subsidy. Your price depends on age, income, and county.
$351/mo
View plan$345/mo
View plan$356/mo
View plan$385/mo
View plan$409/mo
View planBrowse 2026 Michigan plans by metal tier
Pick a tier to see every on-exchange plan in it, with starting premiums for a 40-year-old before subsidy.
Insurers offering 2026 plans in Michigan
Michigan health insurance FAQ
From our research
See how Michigan compares nationally: how much premiums increased for 2026 in every state and where Michigan ranks on 2026 Marketplace premiums.
Understand what you'd actually pay
- 2026 Federal Poverty Level (FPL) chart
The income table behind subsidy and Medicaid eligibility
- How ACA subsidies work
Premium tax credits and who qualifies
- The 2026 subsidy cliff
Why income near 400% FPL matters again this year
- The SLCSP benchmark
The Silver plan that sets your subsidy and Form 1095-A
Find your best plan in Michigan
Enter your ZIP, household, and income to see your real premiums after subsidy and compare every plan available where you live.
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