When can I sign up for a 2027 Michigan Marketplace plan?

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.

Will I pay the full price shown?

Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.

Can I keep my doctor?

107 of Michigan's 116 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.

My plan is renewing. Do I need to do anything?

Compare before you let it renew. Michigan insurers filed 2027 increases of about 11% to 26% before tax credits, and your plan or its network may change. Your new tax credit can change too.

Has Michigan expanded Medicaid?

Michigan expanded Medicaid through the Healthy Michigan Plan for adults 19 to 64 with income at or below 138% of the poverty level. Apply at michigan.gov/mibridges or call 1-855-789-5610. From January 1, 2027 many adults on the plan face work reporting and six-month renewals.

On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.

What is the difference between Blue Care Network and Blue Cross Blue Shield of Michigan?

Blue Care Network sells HMO plans that need a primary care referral for specialists. Blue Cross Blue Shield of Michigan sells PPO plans with no referrals and some out-of-network coverage at higher cost.

Do I need a referral to see a specialist?

Blue Care Network HMOs need a primary care referral. Priority Health, UnitedHealthcare, McLaren, Ambetter and Oscar materials say in-network specialists do not need a referral. Confirm on the plan summary.

What if my income changes during the year?

Update your HealthCare.gov application when income changes. Starting with 2026 tax returns, there is no cap on paying back extra tax credit.

Michigan · Open enrollment Nov 1 – Jan 15

Michigan Marketplace Health Insurance: How to Choose a 2027 Plan

Updated October 7, 2026

Open enrollment for 2027 runs November 1, 2026 to January 15, 2027 on HealthCare.gov.

Michigan had 7 Marketplace insurers and 116 plans for 2026. How many you can choose from depends on your county.

Prices are going up for 2027. Michigan insurers filed increases of about 11% to 26% before tax credits. Compare again even if you like your plan.

Find my Michigan planFree. See your price after tax credits.

What's different in Michigan for 2027

Priority Health, Blue Care Network, Blue Cross Blue Shield of Michigan, UnitedHealthcare, McLaren, Ambetter from Meridian and Oscar all return on HealthCare.gov.
Filed averages run from 11.1% at Priority Health to 25.5% at UnitedHealthcare, before tax credits. Your net change depends on your tax credit.
In the 15 Upper Peninsula counties, Marketplace shoppers choose between Blue Care Network HMO plans and Blue Cross Blue Shield of Michigan PPO plans.
From January 1, 2027 many Healthy Michigan Plan adults need 80 hours a month of work or similar activity. Others must earn at least $580 a month. Renewals move to every six months.

Detroit skyline with the Renaissance Center towers rising above the Detroit River under a blue sky

Which metal level fits how you use care?

Metal levels set how you and the plan share costs. The network, not the metal level, decides which doctors you can see.

Lowest monthly price, from $345 at age 40 before tax credits. You pay more when you get care: the typical deductible is $7,500. 9 Bronze plans work with a health savings account (HSA).
Only Silver plans get extra savings on deductibles and copays for lower incomes. If you qualify, Silver can cost less to use than Gold. From $385 at age 40; typical deductible $5,500 before those savings.
Higher monthly price, from $409 at age 40, but a much lower typical deductible of $2,000. Often the better deal with several visits, a planned procedure or ongoing prescriptions.

Michigan 2026 plans. Monthly premium for one person before tax credits, in the lowest-priced area of the state. Deductibles are for one person, in network. Also available: 4 catastrophic plans for people under 30.
Metal	Plans	From, age 40	Typical deductible	Deductible range
Bronze	Plans40	From, age 40$345	Typical deductible$7,500	Deductible range$0–$10,600
Silver	Plans43	From, age 40$385	Typical deductible$5,500	Deductible range$2,000–$7,000
Gold	Plans29	From, age 40$409	Typical deductible$2,000	Deductible range$0–$2,100

Which insurers sell in Michigan?

Not every insurer sells in every county. Your ZIP code decides your choices.

2026 plans. Lowest monthly premium before tax credits, any metal level except catastrophic. CMS rating is the Marketplace Quality Rating System overall score. 2027 change is each insurer's average as proposed. Final 2027 rates are published when open enrollment starts. All seven 2026 Marketplace insurers stay for 2027. DIFS still shows Approved as TBD, so rate changes are labeled proposed. Upper Peninsula shoppers have Blue Care Network and Blue Cross Blue Shield of Michigan only.
Insurer	Counties (2026)	Plans (2026)	Plan types	From (age 40)	CMS rating (2026)	2027 change
Priority Health	Counties (2026)68 of 83	Plans (2026)48	Plan typesHMO	From (age 40)$379	CMS rating (2026)4 of 5	2027 change+11.1% proposed
Blue Care Network	Counties (2026)83 of 83	Plans (2026)20	Plan typesHMO	From (age 40)$345	CMS rating (2026)4 of 5	2027 change+12.5% proposed
UnitedHealthcare	Counties (2026)12 of 83	Plans (2026)13	Plan typesHMO	From (age 40)$378	CMS rating (2026)3 of 5	2027 change+25.5% proposed
Blue Cross	Counties (2026)83 of 83	Plans (2026)9	Plan typesPPO	From (age 40)$443	CMS rating (2026)4 of 5	2027 change+12.9% proposed
McLaren	Counties (2026)60 of 83	Plans (2026)9	Plan typesHMO	From (age 40)$417	CMS rating (2026)4 of 5	2027 change+16.3% proposed
Ambetter	Counties (2026)30 of 83	Plans (2026)9	Plan typesHMO	From (age 40)$385	CMS rating (2026)3 of 5	2027 change+24.4% proposed
Oscar	Counties (2026)4 of 83	Plans (2026)8	Plan typesEPO	From (age 40)$356	CMS rating (2026)Not yet rated	2027 change+11.9% proposed

What would you pay after tax credits?

Answer a few questions about your household and your care. See plans for your county, check your doctors and prescriptions, and get a recommendation.

Find my Michigan plan

Michigan Marketplace questions

Enroll by December 15 for coverage that starts January 1; the last day to sign up is January 15. Outside open enrollment you need a qualifying life event, such as losing other coverage, moving, marrying or having a baby.
Not necessarily. The prices on this page are before tax credits. Tax credits depend on your household size and income, and they can lower the monthly premium a lot. The plan finder estimates your price after tax credits.
107 of Michigan's 116 plans for 2026 are HMOs or EPOs, which only pay for in-network care except emergencies. Check that your doctors and hospital are in the plan's network before you enroll.
Compare before you let it renew. Michigan insurers filed 2027 increases of about 11% to 26% before tax credits, and your plan or its network may change. Your new tax credit can change too.
Michigan expanded Medicaid through the Healthy Michigan Plan for adults 19 to 64 with income at or below 138% of the poverty level. Apply at michigan.gov/mibridges or call 1-855-789-5610. From January 1, 2027 many adults on the plan face work reporting and six-month renewals.
On HealthCare.gov, through an approved insurer or broker website, or with a licensed agent. The plans and prices are the same everywhere you enroll.
Blue Care Network sells HMO plans that need a primary care referral for specialists. Blue Cross Blue Shield of Michigan sells PPO plans with no referrals and some out-of-network coverage at higher cost.
Blue Care Network HMOs need a primary care referral. Priority Health, UnitedHealthcare, McLaren, Ambetter and Oscar materials say in-network specialists do not need a referral. Confirm on the plan summary.
Update your HealthCare.gov application when income changes. Starting with 2026 tax returns, there is no cap on paying back extra tax credit.

Where these numbers come from

2026 plans, premiums, deductibles, copays and out-of-pocket maximums: CMS QHP Landscape and Benefits and Cost Sharing Public Use Files, plan year 2026. Checked October 4, 2026.
Proposed 2027 changes: each insurer's rate filing (ratereview.healthcare.gov or the state insurance department).

DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
CMS statement on City of Columbus v. Kennedy open enrollment, August 4, 2026
HealthCare.gov, dates and deadlines, accessed October 7, 2026
MDHHS, Healthy Michigan Plan eligibility, accessed October 7, 2026
MDHHS testimony, H.R. 1 Medicaid changes, April 28, 2026
CMS Nationwide QRS PUF PY2026, October 2025
CMS QHP Landscape PY2026 (county counts, our tally), October 2025

Reviewed by Jacob Guidi, licensed health insurance agent (NPN 19902041), Thrive Benefits Group.

Thrive Benefits Group is not HealthCare.gov or a government agency. Premiums shown are before tax credits, for one person age 40, and most people who qualify for tax credits pay less. Your price depends on your county, age, household and income. Plan details can change; the insurer's plan documents are final.