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Michigan Health Insurance Consumer Guide
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.
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.
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.
Short-term coverage in Michigan
Consumers in Michigan can purchase short-term plans with durations up to 185 days.
Frequently asked questions about health insurance in Michigan
Who can buy Marketplace health insurance?
You may be eligible to participate in the individual Marketplace if you meet these criteria:3
- You must be a resident of Michigan and lawfully present in the U.S.
- You must not have Medicare coverage.
- You must not be incarcerated.
Although most people are thus eligible to enroll in a Marketplace plan, there are additional criteria in order to qualify for financial assistance in the Marketplace. In order to be eligible for subsidies:4
- 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 for subsidies to offset the cost of a Marketplace plan.
- You must not be eligible for Medicaid, CHIP, or premium-free Medicare Part A.
- If you’re married, you must file a joint tax return.
Subsidy eligibility is also based on how your income compares with the premium for the second-lowest-cost Silver plan in the Marketplace (for premium subsidies) and whether your income is more or less than 250% of the federal poverty level (for cost-sharing reductions).
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 15.5 (Note that for 2024 coverage, the deadline has been extended to January 16, 2024, due to the federal holiday that falls on January 15.)6
Enrollments completed by December 15 will take effect on January 1, while enrollments completed between December 16 and January 15 (January 16, for 2024 coverage) 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?
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.8 Subsidy-eligible enrollees pay an average net premium of $121/month after subsidies.9
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.
How many insurers offer Marketplace coverage in Michigan?
For 2024 coverage, there are nine insurers that offer exchange plans in Michigan.10
There were ten Marketplace insurers in Michigan in 2023, but one of them, U.S. Health & Life/Ascension Personalized Care, opted to withdraw from the market at the end of 2024. According to U.S. Health & Life’s discontinuation notice, there are more than 5,000 enrollees in five Michigan counties whose coverage will terminate at the end of 2023.11 These individuals can select replacement 2024 coverage from another insurer during open enrollment.
Are Marketplace health insurance premiums increasing in Michigan?
For 2024, the insurers offering coverage in Michigan (including two that only offer coverage outside the exchange) have implemented an overall average rate increase of 5.3%.10 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 look 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 2024 Approved Rate Increases by Insurance Company
|Blue Care Network of Michigan||5.4%|
|Blue Cross Blue Shield of Michigan Mutual Insurance Company||4%|
|Oscar Insurance Company||3.9%|
|McLaren Health Plan Community||16.2%|
|Meridian Health Plan of Michigan, Inc.||5.2%|
|Molina Healthcare of Michigan, Inc.||5.8%|
|Physicians Health Plan||5.4%|
|UnitedHealthcare Community Plan, Inc.||6.4%|
|US Health & Life Insurance Company||withdrawn|
Source: Michigan Department of Insurance and Financial Services.10
Note that the average premium changes described above are for full-price (unsubsidized) premiums. However, most Marketplace enrollees qualify for subsidies, so they do not pay full price.8 For these enrollees, net premium changes depend on changes in their own plan’s price as well as changes in their subsidy amount from one year to the next.
For perspective, here’s an overview of how average premiums have changed in Michigan’s individual market over the years:
- 2015: Average decrease of 1%.12
- 2016: Average increase of 6.5%.13
- 2017: Average increase of 16.7%.14
- 2018: Average increase of 26.9%.15
- 2019: Average increase of 1.7%.16
- 2020: Average decrease of 2.1%.17
- 2021: Average increase of 1.1%.18
- 2022: Average increase of 4.7%.19
- 2023: Average increase of 5.5%.20
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.9 This was the highest enrollment through Michigan’s exchange since 2017.
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.
Louise Norris is an individual health insurance broker who has been writing about health insurance and health reform since 2006. She has written dozens of opinions and educational pieces about the Affordable Care Act for healthinsurance.org. Her state health exchange updates are regularly cited by media who cover health reform and by other health insurance experts.
- “Healthy Michigan Plan” Michigan.gov
- “April 2023 Medicaid & CHIP Enrollment Data Highlights.” Medicaid.gov
- ”Are you eligible to use the Marketplace?” HealthCare.gov. Accessed November 2023.
- ”Explaining Health Care Reform: Questions About Health Insurance Subsidies” KFF. October 6, 2023.
- ”Health Insurance.” Michigan.gov, July 2023.
- ”Biden-Harris Administration Launches Window-Shopping Ahead of 11th ACA Marketplace Open Enrollment Period” Centers for Medicare and Medicaid Services. October 25, 2023.
- ”Entities approved to use enhanced direct enrollment” Centers for Medicare and Medicaid Services. December 27, 2022.
- “2023 OEP State-Level Public Use File (ZIP)” CMS.gov, March 23, 2023.
- “Health Insurance Marketplaces 2023 Open Enrollment Report” CMS.gov
- 2024 Michigan Health Insurance Rate Change Requests. Michigan Department of Insurance and Financial Services. Accessed November 1, 2023.
- SERFF Tracking Number USHL-133808625. Michigan SERFF. Accessed November 2023.
- Analysis Finds No Nationwide Increase in Health Insurance Marketplace Premiums. The Commonwealth Fund. December 2014.
- Health insurance rate hikes approved for 2016: 1% rise for Michigan small businesses. Crains Detroit Business. August 2015.
- Michigan Department of Insurance and Financial Services Release 2017 Health Plans Rates. TV6. October 2016.
- Obamacare rates will skyrocket 27% in Michigan in 2018. Detroit Free Press. October 2017.
- 2019 Rate Hikes. ACA Signups. October 2018.
- 2020 Rate Changes. ACA Signups. October 2019.
- 2021 Health Insurance Marketplace Rates Now Available to Preview; Open Enrollment Begins Nov. 1. Office of Governor Gretchen Whitmer. October 2020.
- Big rate hikes coming in 2022 for some Michigan health insurance plans. Detroit Free Press. October 2021.
- 2023 Michigan Health Insurance Rate Change Requests Michigan SERFF Filing Access Individual Market (Approved). Michigan Department of Insurance and Financial Services. Accessed November 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 Enrollment Period 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