Michigan · Insurer
Ambetter Marketplace Plans in Michigan
Ambetter from Meridian, underwritten by Meridian Health Plan of Michigan (Centene), sells Premier HMO plans in 30 Mid-Michigan, west and Thumb counties. It left metro Detroit for 2026 and filed a 24.4% average 2027 increase.
- Proposed changes are as filed. Final 2027 rates are published when open enrollment starts.
Compare plans for my ZIP codeFree. See your price after tax credits.
What makes Ambetter different
Ambetter Health Premier plans say you can see an in-network specialist without a referral. Designated Virtual 24/7 Care is $0 on at least the 2027 Elite Silver SBC.
Coverage centers on Mid-Michigan, west Michigan and the Thumb. Wayne, Oakland, Macomb and Monroe are outside the 2026 Marketplace footprint.
Members can earn up to $500 a year through My Health Pays. Many plans offer adult dental and vision versions.
CMS scored member experience 5 of 5 for 2026 even though overall is 3 and Medical Care is 2.
Is Ambetter a good fit?
A good fit if
- You live in one of the 30 Ambetter counties outside metro Detroit
- You want My Health Pays rewards and optional adult dental and vision
- You want a Centene Ambetter HMO that does not require specialist referrals
Think twice if
- Not available in Wayne, Oakland, Macomb or Monroe. Confirm your county on the coverage map before shopping.
- CMS Medical Care scored 2 of 5 stars for 2026. Compare that score with other carriers if clinical quality ratings matter to you.
- Filed 2027 average of 24.4% is among the larger Marketplace requests in Michigan. Compare prices after tax credits.
Good starting points
From its 9 2026 plans statewide, lowest price in any Michigan rating area.2027 plan-by-plan prices and copays appear here once HealthCare.gov publishes them on November 1.
See my price after tax creditsCompare every insurer in your county and check your doctors.
Ambetter plans and prices
All 2026 Ambetter plans in Michigan
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| Clear Silver | MetalSilver | TypeHMO | Premium (age 40)$385 | Deductible$7,000 | OOP max$7,000 | Primary care$50 | Specialist$100 | Generic Rx$0 after deductible | HSANo | Counties30 |
| Standard Silver | MetalSilver | TypeHMO | Premium (age 40)$388 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties30 |
| Standard Silver + Vision + Adult Dental | MetalSilver | TypeHMO | Premium (age 40)$402 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties30 |
| Standard Gold | MetalGold | TypeHMO | Premium (age 40)$409 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties30 |
| Everyday Gold | MetalGold | TypeHMO | Premium (age 40)$416 | Deductible$800 | OOP max$7,250 | Primary care$35 | Specialist$55 | Generic Rx$3 | HSANo | Counties30 |
| Standard Gold + Vision + Adult Dental | MetalGold | TypeHMO | Premium (age 40)$425 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties30 |
| Everyday Gold + Vision + Adult Dental | MetalGold | TypeHMO | Premium (age 40)$431 | Deductible$800 | OOP max$7,250 | Primary care$35 | Specialist$55 | Generic Rx$3 | HSANo | Counties30 |
| Elite Gold | MetalGold | TypeHMO | Premium (age 40)$469 | Deductible$0 | OOP max$6,500 | Primary care$5 | Specialist$60 | Generic Rx$3 | HSANo | Counties30 |
| Elite Gold + Vision + Adult Dental | MetalGold | TypeHMO | Premium (age 40)$486 | Deductible$0 | OOP max$6,500 | Primary care$5 | Specialist$60 | Generic Rx$3 | HSANo | Counties30 |
Other Michigan Marketplace insurers
Sources
- DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- healthinsurance.org, Michigan health insurance marketplace, July 17, 2026
- CMS State-based Exchange Public Use Files, plan year 2026, checked October 4, 2026
← Michigan Marketplace guide and all insurers
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.