Health Insurance Plans in Michigan
Compare ACA marketplace plans, short-term coverage, dental, vision, and ancillary products available to Michigan residents. Get a free quote from a licensed advisor today.
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Michigan Health Insurance at a Glance
Here's what you need to know about health coverage options in Michigan.
Michigan expanded Medicaid through its "Healthy Michigan Plan." The state has strong carrier competition with some of the more affordable Silver plan premiums in the Midwest.
Check Plans in Your ZIP Code
Enter your ZIP code to see carriers, estimated costs, and coverage options available in your specific area.
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Get My Personalized Quote →ACA Marketplace Plans in Michigan
ACA plans offer comprehensive coverage with protections for pre-existing conditions and potential subsidies.
How the Michigan Marketplace Works
Michigan residents enroll through Federal (HealthCare.gov). Plans are available in four metal tiers — Bronze, Silver, Gold, and Platinum — each with different premium and out-of-pocket cost structures.
- No denial for pre-existing conditions
- 10 essential health benefits covered by law
- Subsidies available based on income
- Children covered up to age 26 on a parent's plan
- Free preventive care (screenings, vaccines, wellness visits)
Top Carriers in Michigan
These insurance companies offer ACA marketplace plans in Michigan:
- Blue Cross Blue Shield of Michigan
- Priority Health
- McLaren Health Plans
- Molina Healthcare
- Oscar Health
- UnitedHealthcare
Carrier availability varies by county. A licensed advisor can tell you exactly which plans are available in your ZIP code.
Medicaid in Michigan
Michigan has expanded Medicaid under the ACA.
Adults with household incomes up to 138% of the Federal Poverty Level (about $20,120 for an individual in 2026) may qualify for Medicaid. Those above this threshold should explore ACA marketplace plans, where premium tax credits can significantly reduce costs.
Check Your Eligibility →Short-Term Health Insurance in Michigan
Need coverage fast? Short-term plans can start in as little as 24 hours.
Short-Term Plan Rules in Michigan
- Maximum duration: 12 months, renewable up to 36 months
- Coverage can begin within 24–72 hours of enrollment
- Lower premiums than ACA plans (but fewer benefits)
- Best for: between jobs, waiting for employer coverage, aging off a parent's plan
Short-term plans are not ACA-compliant — they do not cover pre-existing conditions and may have limited benefits. But for healthy individuals who need temporary protection, they offer an affordable safety net.
Learn More About Short-Term Plans →Who Should Consider Short-Term in Michigan?
- Recently lost employer-sponsored coverage
- Waiting for new job benefits to start
- Recent college graduates
- Early retirees not yet eligible for Medicare
- Missed ACA Open Enrollment
Ancillary Plans in Michigan
Fill the gaps in your health coverage with affordable supplemental plans.
Dental Insurance
Preventive cleanings, fillings, crowns, and more. PPO and HMO options available.
Learn More →Hospital Indemnity
Get paid a fixed cash benefit for every day you spend in the hospital.
Learn More →Critical Illness
Lump-sum cash payment upon diagnosis of cancer, heart attack, stroke, or other covered conditions.
Learn More →Accident Insurance
Cash benefits for ER visits, fractures, dislocations, and other covered injuries.
Learn More →Travel Insurance
Trip cancellation, emergency medical care abroad, and evacuation coverage.
Learn More →Michigan Health Insurance Questions
Michigan Insurance Resources
Michigan Department of Insurance and Financial Services
File complaints, verify licenses, and learn about your rights as a consumer.
Michigan Marketplace
Enroll in ACA plans through Federal (HealthCare.gov).
Health Insurance by City in Michigan
Find health insurance information specific to your city in Michigan.
Detroit
Wayne County · Pop. 639,111
Grand Rapids
Kent County · Pop. 198,917
Ann Arbor
Washtenaw County · Pop. 123,851
Lansing
Ingham County · Pop. 112,644
Flint
Genesee County · Pop. 95,943
Detroit
Wayne County · Pop. 670,031
Grand Rapids
Kent County · Pop. 195,355
Warren
Macomb County · Pop. 134,056
Sterling Heights
Macomb County · Pop. 132,438
Ann Arbor
Washtenaw County · Pop. 123,851
Flint
Genesee County · Pop. 98,505
Dearborn
Wayne County · Pop. 109,976
Livonia
Wayne County · Pop. 93,669
Lansing
Ingham County · Pop. 123,024
Kalamazoo
Kalamazoo County · Pop. 76,411
Westland
Wayne County · Pop. 80,038
Plymouth
Wayne County · Pop. 9,270
Farmington Hills
Oakland County · Pop. 81,391
Troy
Oakland County · Pop. 87,737
Southfield
Oakland County · Pop. 71,739
Grayling
Crawford County · Pop. 1,876
Saginaw
Saginaw County · Pop. 46,645
Midland
Midland County · Pop. 41,863
Jackson
Jackson County · Pop. 32,022
Pontiac
Oakland County · Pop. 57,637
Health Insurance by County in Michigan
Find health insurance information for your county in Michigan.
Wayne County
County Seat: Detroit · Pop. 1,749,343
Kent County
County Seat: Grand Rapids · Pop. 656,371
Macomb County
County Seat: Mount Clemens · Pop. 874,166
Washtenaw County
County Seat: Ann Arbor · Pop. 372,257
Genesee County
County Seat: Flint · Pop. 393,956
Ingham County
County Seat: Lansing · Pop. 280,895
Kalamazoo County
County Seat: Kalamazoo · Pop. 261,454
Oakland County
County Seat: Pontiac · Pop. 1,275,184
Crawford County
County Seat: Grayling · Pop. 12,657
Saginaw County
County Seat: Saginaw · Pop. 193,287
Midland County
County Seat: Midland · Pop. 83,629
Jackson County
County Seat: Jackson · Pop. 160,145
Bay County
County Seat: Bay City · Pop. 102,566
Clinton County
County Seat: Saint Johns · Pop. 78,193
Eaton County
County Seat: Charlotte · Pop. 109,322
Gratiot County
County Seat: Ithaca · Pop. 40,243
Lapeer County
County Seat: Lapeer · Pop. 84,571
Livingston County
County Seat: Howell · Pop. 187,040
Montcalm County
County Seat: Stanton · Pop. 60,605
Shiawassee County
County Seat: Corunna · Pop. 67,996