Short answer: private health insurance in Michigan comes in two forms. The marketplace plans are themselves sold by private companies: seven insurers file plans on HealthCare.gov for 2026, led by Blue Cross Blue Shield of Michigan and Blue Care Network in all 83 counties. They come with tax credits and no health questions. Medically underwritten plans are the other form: they ask about your health, can decline you and get no credit, but a healthy buyer can often pay less, and one can start in any month. (Reviewed by Daniel Griffin, licensed independent advisor, NPN #22052447.)
Who Sells Marketplace Plans in Michigan
| Insurer (2026) | Counties where it sells |
|---|---|
| Blue Cross Blue Shield of Michigan and Blue Care Network | All 83 |
| Priority Health | 68 of 83 |
| McLaren Health Plan Community | 60 of 83 |
| Ambetter from Meridian | 30 of 83 |
| UnitedHealthcare | 12 of 83 |
| Oscar | 4 of 83 |
From the CMS Plan Year 2026 landscape file. Every Michigan county has at least two marketplace insurers in 2026. Insurers filing under more than one company name are counted once here.
What Michigan Plans Cost Before a Tax Credit
The average benchmark Silver premium for a 40-year-old in Michigan was $523 a month in 2026, before any tax credit (KFF). County by county, that benchmark ran from $388 in Genesee County and 1 other to $910 in Alger County and 12 others. The cheapest Silver plan anywhere in Michigan cost $316 at age 27, $385 at 40 and $818 at 60; the priciest Silver plan for a 40-year-old cost $1,048.
Who Should Look Beyond the Michigan Marketplace
For 2027 coverage the tax credit stops at $63,840 for one person and $132,000 for a family of four. At Michigan’s 2026 benchmark, a single 40-year-old just over that line pays $6,276 a year, about 10% of income, before the 2027 increase. That is where a healthy household can save with a medically underwritten plan, which is priced on health, not income. It is not ACA coverage: it can decline you and usually excludes pre-existing conditions and maternity care. Leaving a job? See COBRA alternatives.
Networks: What to Check in Michigan
PPO plans are sold on Michigan’s marketplace in all 83 counties for 2026, alongside EPO and HMO plans. A PPO pays something out of network, usually at a higher cost to you; the others generally do not.
Healthy, in Michigan, and paying full price?
Send your ZIP code. A licensed agent checks your tax credit first, then compares your best marketplace plan with the private options for your county.
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2027 in Michigan
Michigan’s approved 2027 rates are an average 14.5% higher than 2026 (enrollment-weighted, reported Sep 30, 2026). Molina Healthcare joins Michigan’s marketplace for 2027, and no insurer has announced it is leaving. Open Enrollment on HealthCare.gov runs November 1, 2026 to January 15, 2027; choose by December 15 for coverage that starts January 1. Medically underwritten plans are not tied to that calendar. health insurance in Michigan · Michigan plans compared.
Checking an Agent or a Plan in Michigan
The Michigan Department of Insurance and Financial Services licenses agents and insurers in Michigan: look up anyone selling you a plan, and get the insurer’s name and the list of what is not covered before you pay.
Common Questions
What is private health insurance in Michigan?
Two things. 7 private insurers sell Michigan marketplace plans on HealthCare.gov for 2026, with tax credits and no health questions; Blue Cross Blue Shield of Michigan and Blue Care Network sells in every county. Medically underwritten plans ask health questions, can decline you, get no tax credit and can start in any month.
Who should buy a medically underwritten plan in Michigan?
A healthy household that gets little or no tax credit: for 2027 coverage there is none above $63,840 for one person or $132,000 for a family of four. Anyone with a real health history, or planning a pregnancy, is usually better protected on the marketplace.
Are there PPO plans on the Michigan marketplace?
Yes. PPO plans are sold in all 83 Michigan counties for 2026.
Which insurers are leaving Michigan’s marketplace for 2027?
Molina Healthcare joins Michigan’s marketplace for 2027, and no insurer has announced it is leaving.
Sources
- KFF benchmark premiums, Michigan, 2026.
- CMS plan landscape file, Michigan, 2026.
- Michigan 2027 rates and exits (Plans By State, from regulators and ACASignups.net).
- HealthCare.gov: tax credit income limits.
- Michigan Department of Insurance and Financial Services.
Full-price filed rates before tax credits, not quotes. Underwritten plans are not sold in every state and acceptance depends on health history.