Medicaid in Michigan (2026): Eligibility and How to Apply

What Is Michigan Medicaid?

Medicaid is a joint federal-state health insurance program that provides free or low-cost coverage to people who meet income and eligibility requirements. In Michigan, the Medicaid program is Michigan Medicaid. It is administered by the state but jointly funded by state and federal governments. Adults 19 to 64 who qualify through the expansion are covered by the Healthy Michigan Plan.

Michigan Has Expanded Medicaid

Michigan expanded Medicaid under the ACA, extending coverage to adults with household income up to 138% of the federal poverty level (approximately $22,025 for a single adult in 2027). This means non-disabled adults without children who meet the income threshold can now qualify for Michigan Medicaid — a major change from pre-expansion rules that limited Medicaid to narrow eligibility categories.

Michigan Medicaid Eligibility Categories

Beyond the general adult expansion (in states that expanded), Medicaid covers several other groups:

• Children: All states cover children in families at much higher income thresholds than adult Medicaid, often up to 200-300% FPL or more through CHIP
• Pregnant women: Covered at higher income thresholds (typically 185-250% FPL) in all states
• People with disabilities: SSI recipients and people with qualifying disabilities are eligible in all states
• Elderly adults: Adults 65+ with limited income and resources qualify through the Medicare Savings Programs

Marketplace as Alternative in Michigan

If you don’t qualify for Michigan Medicaid, the ACA marketplace is your primary option. Michigan marketplace carriers include: Ambetter from Meridian, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community, Oscar, Priority Health and UnitedHealthcare. ACA premium tax credits are available for households earning between 100% and 400% FPL (~$15,960–$63,840 for a single adult in 2027).