Health insurance prices in Michigan (2026)
116 marketplace plans from 6 insurers across 83 counties. Official marketplace: HealthCare.gov.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $345–$714 (typical $488) · Silver $385–$1,048 (typical $685) · Gold $409–$1,217 (typical $723) · Catastrophic $351–$517 (typical $416)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | Counties (of 83) | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Ambetter (Centene) | 30 | 9 | $385 Silver | no Bronze | $461 | $521 | Clear Silver |
| Oscar Health | 4 | 8 | $356 | $368 | $471 | $510 | Bronze Classic Standard |
| UnitedHealthcareUnitedHealth Group | 12 | 13 | $378 | $415 | $532 | $567 | UHC Bronze Essential (No Referrals) |
| Priority Health | 68 | 48 | $379 | $489 | $689 | $831 | MyPriority Value Bronze Southeast Michigan Network |
| McLaren Health Plan Community | 60 | 9 | $417 | $498 | $699 | $709 | MHP Bronze |
| Blue Cross Blue Shield of MichiganBCBS Michigan (Blue Cross Blue Shield company) | 83 | 29 | $345 | $507 | $740 | $884 | Blue Cross® Local HMO Bronze Secure |
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $345 | $488 | $714 | 40 | $8,250 | $10,000 | $15,575 |
| Silver | $385 | $685 | $1,048 | 43 | $5,800 | $8,900 | $17,293 |
| Gold | $409 | $723 | $1,217 | 29 | $2,000 | $8,200 | $16,780 |
| CatastrophicUnder 30 or hardship exemption only | $351 | $416 | $517 | 4 | $10,600 | $10,600 | $15,590 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Prices by county in Michigan
| County | Insurers | Plans | Cheapest plan | Typical Bronze | Typical Silver |
|---|---|---|---|---|---|
| Alcona County | 3 | 36 | $443 | $502 | $702 |
| Alger County | 1 | 16 | $528 | $604 | $912 |
| Allegan County | 4 | 59 | $435 | $542 | $767 |
| Alpena County | 3 | 36 | $443 | $502 | $702 |
| Antrim County | 3 | 36 | $406 | $476 | $686 |
| Arenac County | 3 | 36 | $434 | $483 | $697 |
| Baraga County | 1 | 16 | $528 | $604 | $912 |
| Barry County | 4 | 53 | $435 | $542 | $755 |
| Bay County | 3 | 42 | $401 | $475 | $687 |
| Benzie County | 3 | 42 | $375 | $465 | $667 |
| Berrien County | 3 | 42 | $483 | $558 | $790 |
| Branch County | 3 | 40 | $422 | $526 | $756 |
| Calhoun County | 5 | 72 | $422 | $525 | $733 |
| Cass County | 3 | 42 | $483 | $558 | $790 |
| Charlevoix County | 3 | 36 | $406 | $476 | $686 |
| Cheboygan County | 3 | 36 | $443 | $502 | $702 |
| Chippewa County | 1 | 16 | $443 | $508 | $772 |
| Clare County | 3 | 36 | $468 | $540 | $763 |
| Clinton County | 3 | 42 | $416 | $506 | $726 |
| Crawford County | 3 | 36 | $443 | $502 | $702 |
| Delta County | 1 | 16 | $528 | $604 | $912 |
| Dickinson County | 1 | 16 | $528 | $604 | $912 |
| Eaton County | 3 | 42 | $416 | $506 | $726 |
| Emmet County | 3 | 36 | $406 | $476 | $686 |
| Genesee County | 5 | 64 | $381 | $444 | $628 |
| Gladwin County | 3 | 36 | $468 | $540 | $763 |
| Gogebic County | 1 | 16 | $528 | $604 | $912 |
| Grand Traverse County | 3 | 42 | $375 | $465 | $667 |
| Gratiot County | 3 | 36 | $434 | $483 | $697 |
| Hillsdale County | 5 | 58 | $414 | $502 | $640 |
| Houghton County | 1 | 16 | $528 | $604 | $912 |
| Huron County | 3 | 36 | $443 | $501 | $688 |
| Ingham County | 4 | 51 | $416 | $506 | $713 |
| Ionia County | 3 | 36 | $489 | $568 | $809 |
| Iosco County | 3 | 36 | $443 | $502 | $702 |
| Iron County | 1 | 16 | $528 | $604 | $912 |
| Isabella County | 3 | 36 | $468 | $540 | $763 |
| Jackson County | 4 | 59 | $416 | $491 | $676 |
| Kalamazoo County | 5 | 72 | $422 | $525 | $733 |
| Kalkaska County | 3 | 36 | $406 | $476 | $686 |
| Kent County | 6 | 80 | $356 | $496 | $678 |
| Keweenaw County | 1 | 16 | $528 | $604 | $912 |
| Lake County | 4 | 45 | $489 | $568 | $790 |
| Lapeer County | 4 | 51 | $383 | $457 | $646 |
| Leelanau County | 3 | 42 | $375 | $465 | $667 |
| Lenawee County | 2 | 33 | $421 | $520 | $745 |
| Livingston County | 3 | 50 | $421 | $520 | $745 |
| Luce County | 1 | 16 | $528 | $604 | $912 |
| Mackinac County | 1 | 16 | $443 | $508 | $772 |
| Macomb County | 4 | 64 | $345 | $429 | $617 |
| Manistee County | 3 | 42 | $375 | $465 | $667 |
| Marquette County | 1 | 16 | $528 | $604 | $912 |
| Mason County | 4 | 45 | $489 | $568 | $790 |
| Mecosta County | 4 | 53 | $425 | $549 | $731 |
| Menominee County | 1 | 16 | $528 | $604 | $912 |
| Midland County | 3 | 36 | $468 | $540 | $763 |
| Missaukee County | 3 | 36 | $406 | $476 | $686 |
| Monroe County | 3 | 46 | $378 | $447 | $638 |
| Montcalm County | 4 | 45 | $489 | $568 | $790 |
| Montmorency County | 3 | 36 | $443 | $502 | $702 |
| Muskegon County | 4 | 50 | $356 | $528 | $730 |
| Newaygo County | 4 | 53 | $425 | $549 | $731 |
| Oakland County | 4 | 64 | $345 | $429 | $617 |
| Oceana County | 4 | 44 | $356 | $533 | $717 |
| Ogemaw County | 4 | 45 | $443 | $502 | $690 |
| Ontonagon County | 1 | 16 | $528 | $604 | $912 |
| Osceola County | 4 | 45 | $489 | $568 | $790 |
| Oscoda County | 4 | 45 | $443 | $502 | $690 |
| Otsego County | 3 | 36 | $443 | $502 | $702 |
| Ottawa County | 5 | 67 | $356 | $525 | $730 |
| Presque Isle County | 3 | 36 | $443 | $502 | $702 |
| Roscommon County | 4 | 45 | $443 | $502 | $690 |
| Saginaw County | 3 | 42 | $401 | $475 | $687 |
| Sanilac County | 4 | 45 | $438 | $501 | $680 |
| Schoolcraft County | 1 | 16 | $528 | $604 | $912 |
| Shiawassee County | 4 | 55 | $381 | $444 | $638 |
| St. Clair County | 4 | 51 | $413 | $466 | $668 |
| St. Joseph County | 4 | 45 | $505 | $571 | $795 |
| Tuscola County | 4 | 45 | $438 | $501 | $680 |
| Van Buren County | 4 | 63 | $415 | $532 | $732 |
| Washtenaw County | 4 | 59 | $421 | $520 | $735 |
| Wayne County | 4 | 64 | $349 | $447 | $638 |
| Wexford County | 3 | 42 | $375 | $465 | $667 |
To compare insurance plans side by side (or with health sharing), open your county.