Best 2026 Health Insurance Plans in Michigan
Compare 116 ACA Marketplace plans from 7 insurers in Michigan. 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
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
Find your best plan in Michigan
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