UnitedHealthcare in Michigan health insurance (2026)
UnitedHealthcare sells 13 marketplace plans in 12 of 83 Michigan counties for 2026, from $378/mo; typical Silver $532/mo, before tax credits. Buy on 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).
Who needs coverage?
Showing prices for one 40-year-old. Add everyone on the plan to see your household's price; every insurance price on this page updates.
Each person is priced by age using this state's official age curve; only the three oldest children under 21 are charged. Out-of-pocket maximums and bad years use the family maximum (twice the individual amount for nearly every plan); deductibles are shown per person. How we calculate this
UnitedHealthcare plans in Michigan
- Bronze $378–$464
- Silver $507–$594
- Gold $543–$631
| Plan | Network | Monthly | Deductible | Out-of-pocket max | Bad year | Details |
|---|---|---|---|---|---|---|
| Bronze 4 plans · $378–$464/mo | ||||||
| UHC Bronze Essential (No Referrals) | HMO | $378–$422in 12 counties | $10,600 | $10,600 | $15,133–$15,664 | Benefits summary Find doctors |
| UHC Bronze Essential+ (Dental + Vision, No Referrals) | HMO | $395–$441in 12 counties | $10,600 | $10,600 | $15,342–$15,897 | Benefits summary Find doctors |
| UHC Bronze Standard (No Referrals) Expanded Bronze | HMO | $396–$442in 12 counties | $7,500 | $10,000 | $14,748–$15,304 | Benefits summary Find doctors |
| UHC Bronze Copay Focus (No Referrals) Expanded Bronze | HMO | $415–$464in 12 counties | $0 | $10,600 | $15,585–$16,169 | Benefits summary Find doctors |
| Silver 5 plans · $507–$594/mo | ||||||
| UHC Silver Value (No Referrals) | HMO | $507–$567in 12 counties | $4,000 | $9,500 | $15,586–$16,299 | Benefits summary Find doctors |
| UHC Silver Standard (No Referrals) | HMO | $510–$570in 12 counties | $6,000 | $8,900 | $15,022–$15,738 | Benefits summary Find doctors |
| UHC Silver Advantage (No Referrals) | HMO | $514–$574in 12 counties | $2,900 | $10,400 | $16,569–$17,291 | Benefits summary Find doctors |
| UHC Silver Value+ (Dental + Vision, No Referrals) | HMO | $525–$586in 12 counties | $4,000 | $9,500 | $15,795–$16,532 | Benefits summary Find doctors |
| UHC Silver Advantage+ (Dental + Vision, No Referrals) | HMO | $531–$594in 12 counties | $2,900 | $10,400 | $16,778–$17,524 | Benefits summary Find doctors |
| Gold 4 plans · $543–$631/mo | ||||||
| UHC Gold Standard (No Referrals) | HMO | $543–$606in 12 counties | $2,000 | $8,200 | $14,713–$15,476 | Benefits summary Find doctors |
| UHC Gold Advantage (No Referrals) | HMO | $547–$611in 12 counties | $1,500 | $7,800 | $14,367–$15,136 | Benefits summary Find doctors |
| UHC Gold Copay Focus (No Referrals) | HMO | $557–$622in 12 counties | $0 | $8,000 | $14,686–$15,469 | Benefits summary Find doctors |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | HMO | $565–$631in 12 counties | $1,500 | $7,800 | $14,576–$15,369 | Benefits summary Find doctors |
Each plan's price range runs across the counties where it is sold. Open a county for exact prices and to compare, save or check a plan.
Where UnitedHealthcare sells plans
| County | Plans | Price range | Typical Silver |
|---|---|---|---|
| Branch County | 13 | $422–$631 | $574 |
| Calhoun County | 13 | $422–$631 | $574 |
| Genesee County | 13 | $381–$569 | $518 |
| Hillsdale County | 13 | $414–$618 | $563 |
| Kalamazoo County | 13 | $422–$631 | $574 |
| Kent County | 13 | $381–$569 | $518 |
| Macomb County | 13 | $378–$565 | $514 |
| Monroe County | 13 | $378–$565 | $515 |
| Oakland County | 13 | $378–$565 | $514 |
| Shiawassee County | 13 | $381–$569 | $518 |
| Van Buren County | 13 | $415–$620 | $564 |
| Wayne County | 13 | $378–$565 | $515 |
Other insurers in Michigan
- Ambetter (Centene) Silver $461/mo
- Oscar Health Silver $471/mo
- Priority Health Silver $689/mo
- McLaren Health Plan Community Silver $699/mo
- Blue Cross Blue Shield of Michigan Silver $740/mo
All Michigan prices · Sorted by typical Silver price.
Frequently asked questions
How much does UnitedHealthcare health insurance cost in Michigan?
For plan year 2026, UnitedHealthcare marketplace plans in Michigan cost $378 to $631 a month for one 40-year-old before tax credits (Catastrophic plans not counted). Typical (median) prices by metal level: Bronze $415, Silver $532, Gold $567. Prices depend on the county.
What is the cheapest UnitedHealthcare plan in Michigan?
UHC Bronze Essential (No Referrals) (Bronze), from $378 a month for a 40-year-old before tax credits, in the county where it costs least.
Where does UnitedHealthcare sell marketplace plans in Michigan?
In 12 of Michigan's 83 counties, including Branch County, Calhoun County, Genesee County, Hillsdale County, Kalamazoo County, Kent County and others.
How do I buy a UnitedHealthcare plan in Michigan?
On HealthCare.gov (https://www.healthcare.gov/see-plans/), the official marketplace for Michigan, where you also apply for a tax credit. HealthCoveragePrices does not sell plans.