Quick answer
In 2026, the benchmark silver Marketplace plan in Michigan averaged $523 a month for a 40-year-old before subsidies, about $100 below the U.S. average of $625. Prices rise with age, from about $409 a month at 21 to $1,111 at 60. Most enrollees get a tax credit that lowers the cost. For 2027, insurers proposed an average increase of 14.2%, and all seven Marketplace insurers are staying.
Key takeaways
- Michigan’s 2026 benchmark premium for a 40-year-old was about $102 below the national average.
- About 497,000 Michiganders picked a plan for 2026, and 81% got a premium tax credit.
- Insurers asked for an average 14.2% increase for 2027, with requests from 11.1% to 25.5%.
- All seven insurers selling Marketplace plans in 2026 plan to stay for 2027.
- Michigan expanded Medicaid through the Healthy Michigan Plan. Many adults will face work requirements starting in 2027.
On this page
What a Michigan Marketplace plan costs before subsidies
| Age | Benchmark silver plan, per month (2026 estimate) |
|---|---|
| 21 | $409 |
| 30 | $464 |
| 40 | $523 |
| 50 | $731 |
| 60 | $1,111 |
| 64 | $1,228 |
| Child under 15 | $313 |
A family of four with two 40-year-old parents and two young children would pay about $1,672 a month for benchmark plans before subsidies.
What you’d pay after a tax credit
If your household income is between 100% and 400% of the federal poverty level, a premium tax credit caps what you pay for the benchmark plan at a share of your income. A single 40-year-old in Michigan earning $40,000 would pay about $287 a month for the benchmark plan in 2026, with a tax credit of about $236. For 2027, the same person’s share would be about $289 a month. Above 400% of the poverty level ($62,600 for one person for 2026 coverage, $63,840 for 2027), you’d pay full price.
Costs beyond the premium
What you pay when you get care depends on your plan’s deductible, copays and coinsurance, up to the out-of-pocket maximum of $10,600 for one person in 2026 ($12,000 in 2027). If your income is under 250% of the poverty level, a silver plan’s cost-sharing reductions lower those costs.
Michigan Marketplace facts
- Marketplace: HealthCare.gov.
- Enrollment: 497,064 plan selections for 2026, down about 6% from 2025. Enrollees paid an average of $222 a month after tax credits.
- Insurers: Seven in 2026: Blue Care Network, Blue Cross Blue Shield of Michigan, McLaren, Meridian, Oscar, Priority Health and UnitedHealthcare Community Plan. All seven plan to keep selling Marketplace plans in 2027.
- 2027 prices: Insurers asked for an average increase of 14.2% for individual plans, from 11.1% for Priority Health to 25.5% for UnitedHealthcare Community Plan. The Department of Insurance and Financial Services hadn’t finished its review as of late September 2026. For 2026, it approved an average increase of 20.2%.
- Medicaid: Michigan expanded Medicaid through the Healthy Michigan Plan, covering adults with incomes up to 138% of the poverty level. About 716,000 people are covered through it. Michigan repealed its law that would have ended the expansion if federal funding dropped. Starting in 2027, many adults in the expansion group will need to meet federal work requirements. See Medicaid work requirements.
- State help: Michigan doesn’t offer its own premium subsidy.
When to enroll
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Sign up by December 15 for coverage that starts January 1. For ways to keep your bill down, see how to lower your Marketplace premium.
Other options in Michigan
- Job-based coverage, usually the cheapest route if it’s offered.
- Medicaid for adults and children who qualify; see health insurance for low-income families.
- Medicare at 65.
Health insurance costs in other states: Arizona, California, Florida, Georgia, Illinois, New Jersey, New York, North Carolina, Ohio, Pennsylvania, Texas, Virginia and Washington.
See 2027 plans and prices in your Michigan county: compare quotes by ZIP code.
Frequently asked questions
What’s the average cost of health insurance in Michigan?
Before subsidies, the 2026 benchmark silver plan for a 40-year-old averaged $523 a month. After tax credits, enrollees paid an average of $222 a month in 2026.
How much will Michigan health insurance go up in 2027?
Insurers asked for an average increase of 14.2% for individual plans. State regulators review the requests before rates are final.
When is open enrollment for 2027 in Michigan?
November 1, 2026 to January 15, 2027 on HealthCare.gov. Sign up by December 15 for coverage starting January 1.
Sources
This article is general information, not insurance or tax advice. Prices are averages and estimates; your actual premium depends on your county, age, income and plan. Last reviewed September 2026.