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A trusted independent health insurance guide since 1994.
We created this guide to help you choose the right health insurance plan right for you and your family. An ACA Marketplace plan may be a good choice for many consumers, and we will guide you through the options below.
Michigan’s ACA Marketplace plans – also known as Obamacare plans – are available on a website regulated by the federal government known as the Marketplace. The Marketplace provides access to health insurance products from private insurers. The federal government helps pay for insurance through an advance premium tax credit if you buy coverage from one of these exchanges.
View our comprehensive guides to coverage in Michigan
Short-term
Medicaid
Medicare
Dental
Short-term coverage in Michigan
Consumers in Michigan can purchase short-term plans with durations up to 185 days.
Medicaid in Michigan
Michigan implemented the Affordable Care Act's Medicaid eligibility expansion (called Healthy Michigan) in 2014. More than a million people were enrolled in Healthy Michigan as of January 20231, and Michigan's total Medicaid enrollment has grown to more than 3 million people.2
Medicare enrollment in Michigan
Our guide will help you understand Medicare Parts A, B, C and D – as well as Medicare supplement (Medigap) plans. This will give you the information you'll need to confidently use this coverage.
Looking for dental insurance in Michigan?
Dental insurance can be a helpful addition to your health insurance coverage. View our dental guide to learn about dental products and carriers in Michigan.
Who can buy Marketplace health insurance?
You may be eligible to participate in the individual Marketplace if you meet these criteria:
- You must not have access to an affordable employer health plan. Use our employer health plan affordability calculator to see if you may be eligible to enroll in an individual Marketplace plan.
- You must be a resident of Michigan and lawfully present in the U.S.
- You must not have Medicare coverage or be eligible for Medicaid.
- You must not be incarcerated.
When can I enroll in an ACA-compliant plan in Michigan?
In Michigan, the open enrollment period for individual and family insurance runs from November 1 to January 15.3 Enrollments completed by December 15 will take effect on January 1, while enrollments completed between December 16 and January 15 will take effect on February 1.
Outside of open enrollment, you can enroll in new coverage or make changes to your existing coverage during a special enrollment period if you’ve experienced a qualifying life event.
Learn more about qualifying events.
Where do I enroll in a Marketplace plan in Michigan?
Michigan residents use HealthCare.gov to enroll in individual and family health plans. You can also sign up with a licensed agent or through an independent website authorized by the Centers for Medicare & Medicaid Services.
How can I find affordable health insurance in Michigan?
In Michigan, consumers may find affordable health insurance by enrolling through the ACA Marketplace (HealthCare.gov). Nearly nine out of ten eligible enrollees save money on premium payments amounting to an average savings of $412/month.4 Subsidy-eligible enrollees pay an average net premium of $121/month after subsidies.5
The Affordable Care Act provides income-based advance premium tax credits (subsidies) that offset your premium payments to help keep your expenses down. People with household incomes below 250%of the federal poverty level also qualify for cost-sharing reductions (CSR) that may reduce your deductibles and out-of-pocket expenses when you buy a Silver plan. Between the premium subsidies and cost-sharing reductions, you may find that an ACA plan is the cheapest health insurance option for you.
Source: CMS.gov6 How many insurers offer Marketplace coverage in Michigan?
Are Marketplace health insurance premiums increasing in Michigan?
For 2023, the insurers offering coverage in Michigan (including two that only offer coverage outside the exchange) have implemented an overall average rate increase of 5.5%.9 The increase you see on your premium may also be impacted by increases in your age and changes that impact the amount of subsidy you receive.
So it’s important to looks at your renewal rates. If your current plan’s premium is increasing, you may be able to find a less expensive plan by reviewing plans available in the Marketplace with similar benefits.
The following table highlights the statewide rate changes for each insurer. Rate changes can vary by region within a state.
Michigan’s ACA Marketplace Plan 2023 Approved Rate Increases by Insurance Company | |
|---|---|
| Issuer | Percent Increase |
| Ambetter Health (Meridian) | 12.6% |
| McLaren Health Plan | 12.3% |
| Physicians Health Plan | 10.9% |
| UnitedHealthcare | 10.1% |
| Blue Care Network | 8.1% |
| Priority Health | 6.7% |
| Molina | 3.6% |
| Oscar Health | 0.1% |
| US Health and Life Insurance Company | -2.0% |
| Blue Cross Blue Shield of Michigan | -3.1% |
Source: State of Michigan DIFS9
How many people are insured through Michigan's Marketplace?
More than 322,000 people enrolled in private health coverage through the Michigan exchange during the open enrollment period for 2023 coverage.10 This was the highest enrollment through Michigan’s exchange since 2017.
Source: 2014,What health insurance resources are available to Michigan residents?
- Michigan health insurance Marketplace – HealthCare.gov (800) 318-2596
- Michigan Health Insurance Consumer Assistance Program (HICAP) – (877) 999-6442
- Michigan Department of Insurance and Financial Services – Serves as a resource for Michigan residents with questions or complaints related to health insurance.
- Arab Community Center for Economic & Social Services (ACCESS) – A federally funded Navigator organization that provides outreach and enrollment assistance to Michigan residents who need help obtaining health insurance.
- Michigan Medicare/Medicaid Assistance Program (MMAP) – A local service that provides health benefits counseling and assistance to Medicare beneficiaries, including those who are eligible for both Medicaid and Medicare.
- Medicare Rights Center – A nationwide service (website and call center) that can provide a wide variety of assistance to Medicare beneficiaries who have questions about enrollment, eligibility, benefits, and claims.
When it comes to health insurance in Michigan, we’re the voice of experience.
Talking about health insurance since 1994.
We’ve been helping Americans understand and navigate the individual health insurance market since 1994. Nearly 2.8 million readers turned to our pages for help in 2019.
Tools for health insurance shoppers.
Millions of users have turned to us for a free health insurance quote … and more than 600,000 Americans have utilized our Obamacare Subsidy Calculator.
Partnerships with leading health insurance carriers.
We vet our business partners carefully, so our readers can feel confident when using our free health insurance quote tool to compare ACA-compliant plans, short-term medical policies and Medicare plans.
Experts on health reform.
Our insurance experts have been tracking and analyzing health reform efforts – including the Affordable Care Act – since 2008. We’ve earned a reputation as a health insurance industry watchdog.
Answering your burning questions.
We’re here to answer your burning questions every day. In the past decade, our Frequently Asked Questions section alone has been viewed more than 4 million times.
Our experts and articles referenced in
Footnotes
- Healthy Michigan Plan. Michigan.gov ⤶
- April 2023 Medicaid & CHIP Enrollment Data Highlights. Medicaid.gov ⤶
- ”Health Insurance.” Michigan.gov, July 2023. ⤶
- “2023 OEP State-Level Public Use File (ZIP)”” CMS.gov, March 23, 2023. ⤶
- ”Health Insurance Marketplaces 2023 Open Enrollment Report.” CMS.gov ⤶
- ”Health Insurance Marketplaces 2023 Open Enrollment Report.” CMS.gov, 2023 ⤶
- PY 2023 Rate Change Exhibits. Michigan.gov, October 10, 2022 ⤶
- ”Plan Year 2023 Qualified Health Plan Choice and Premiums in HealthCare.gov Marketplaces.” CMS.gov, October 26,2022 ⤶
- ”PY 2023 Rate Change Exhibits.” Michigan.gov, October 10, 2022 ⤶ ⤶
- ”Health Insurance Marketplaces 2023 Open Enrollment Report.” CMS.gov, 2023 ⤶
- “ASPE Issue Brief (2014)” ASPE ⤶
- “2015 OEP Snapshot Public Use File (ZIP)” CMS.gov ⤶
- “2016 OEP Snapshot Public Use File (ZIP)” CMS.gov ⤶
- “Health Insurance Marketplaces 2017 Open EnrollmentPeriod Final Enrollment Report: November 1, 2016 – January 31, 2017” CMS.gov ⤶
- “Health Insurance Exchanges 2018 Open Enrollment Period Final Report” CMS.gov ⤶
- “Health Insurance Exchanges 2019 Open Enrollment Report” CMS.gov ⤶
- “Health Insurance Exchanges 2020 Open Enrollment Report” CMS.gov ⤶
- “2021 Open Enrollment Report” CMS.gov ⤶
- “2022 Open Enrollment Report” CMS.gov ⤶
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov ⤶