Health Insurance Plans in Michigan
Browse ACA Marketplace plans available to Michigan residents on the federal exchange. 61 plans available for 2026. Starting from $310/month.
Lowest Monthly Premium
$310/mo
Before subsidies · 30-year-old
Avg Bronze Premium
$412/mo
24 plans available
Avg Silver (Benchmark)
$586/mo
Basis for APTC subsidy calculation
Plans by Metal Tier
Average premiums for a 30-year-old individual in Detroit, MI
Lowest monthly premium, highest cost-sharing. Best if you're healthy and rarely use care.
$412/mo avg
from $310 – $548
Mid-range premiums with moderate cost-sharing. Qualifies for Cost-Sharing Reductions (CSR) if income-eligible.
$586/mo avg
from $451 – $776
Higher premiums, lower cost-sharing. Best if you use healthcare regularly.
$657/mo avg
from $483 – $856
Lowest-Premium Plans Available
Sample plans near Detroit — enter your ZIP for exact results
Blue Cross® Local HMO Bronze Secure
Blue Care Network of Michigan
$310/mo
Ded: $10,600
UHC Bronze Essential (No Referrals)
UnitedHealthcare
$336/mo
Ded: $10,600
Blue Cross® Select HMO Bronze Secure
Blue Care Network of Michigan
$344/mo
Ded: $10,600
Blue Cross® Local HMO Bronze Extra
Blue Care Network of Michigan
$351/mo
Ded: $7,500
UHC Bronze Essential+ (Dental + Vision, No Referrals)
UnitedHealthcare
$351/mo
Ded: $10,600
UHC Bronze Standard (No Referrals)
UnitedHealthcare
$352/mo
Ded: $7,500
MyPriority Value Bronze Southeast Michigan Network
Priority Health
$356/mo
Ded: $9,500
MyPriority Standard Bronze - Southeast Michigan Network
Priority Health
$358/mo
Ded: $7,500
UHC Bronze Copay Focus (No Referrals)
UnitedHealthcare
$369/mo
Ded: $0
MyPriority Value Bronze HSA Southeast Michigan Network
Priority Health
$388/mo
Ded: $7,500
Prices shown are for a 30-year-old near Detroit without subsidies. Your actual premium depends on your age, ZIP code, household size, and income.Get your personalized price →
Frequently Asked Questions
How many ACA plans are available in Michigan?
Approximately 61 ACA Marketplace plans are available in Michigan for 2026. The exact count varies by county — some areas have more insurer competition than others.
What is the cheapest health insurance plan in Michigan?
For a 30-year-old without subsidies, the cheapest plan near Detroit starts at about $310/month. Bronze plans have the lowest premiums. If your income qualifies for the Advance Premium Tax Credit (APTC), you could pay significantly less — or nothing at all.
Does Michigan use HealthCare.gov?
Yes — Michigan is a federal marketplace state, so residents shop for ACA plans at HealthCare.gov. Policymage uses the same underlying federal marketplace data to let you compare plans before enrolling.
What is the Silver benchmark plan and why does it matter?
The Silver benchmark plan in Michigan averages $586/month. This benchmark is used by the federal government to calculate your APTC subsidy amount — it's the second-lowest-cost Silver plan in your county. Even if you choose a Bronze or Gold plan, your subsidy is based on the Silver benchmark.
Find Plans in Michigan
Enter your ZIP code to see all plans available in your county with your exact premium after subsidies.
More Michigan guides
Best plans in Michigan Cheapest plans in Michigan HSA-eligible plans in Michigan