Michigan · Insurer
UnitedHealthcare Marketplace Plans in Michigan
UnitedHealthcare Community Plan sells non-gated HMO plans labeled No Referrals in metro Detroit, Flint, Grand Rapids and Kalamazoo counties. It filed the largest average 2027 Marketplace increase in Michigan and plans to grow from 12 to 17 counties.
- Member experience not rated by CMS for 2025 or 2026; Medical Care 2 for 2026, Plan Administration 5.
- 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 UnitedHealthcare different
Every plan name says No Referrals. Michigan Exchange members can see an in-network specialist without a primary care referral.
The 2027 brochure lists 17 counties, adding Huron, Lapeer, Sanilac, St. Clair and Tuscola while still skipping most of the state.
The 2026 Exchange map centers on Corewell (Beaumont) and Tenet/DMC. Henry Ford also lists UnitedHealthcare Community Plan Marketplace products.
Filed average of 25.5%, with the memo citing a 1.173 factor for the end of enhanced subsidies.
Is UnitedHealthcare a good fit?
A good fit if
- You live in one of the 12 to 17 counties UnitedHealthcare covers and want a no-referral HMO
- Your doctors are at Corewell, DMC or Henry Ford Exchange locations
- You want dental and vision buy-up versions on some Bronze, Silver and Gold plans
Think twice if
- The 2027 proposed rate increase is the highest among Michigan Marketplace insurers. Compare prices after tax credits.
- Confirm doctors and hospitals for the Individual Exchange product. Commercial UnitedHealthcare participation is not the same network.
- CMS Medical Care scored 2 of 5 stars for 2026. Member experience was not rated.
Good starting points
From its 13 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.
UnitedHealthcare plans and prices
All 2026 UnitedHealthcare plans in Michigan
| Plan | Metal | Type | Premium (age 40) | Deductible | OOP max | Primary care | Specialist | Generic Rx | HSA | Counties |
|---|---|---|---|---|---|---|---|---|---|---|
| UHC Bronze Essential (No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$378 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties12 |
| UHC Bronze Essential+ (Dental + Vision, No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$395 | Deductible$10,600 | OOP max$10,600 | Primary care$0 after deductible | Specialist$0 after deductible | Generic Rx$0 after deductible | HSANo | Counties12 |
| UHC Bronze Standard (No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$396 | Deductible$7,500 | OOP max$10,000 | Primary care$50 | Specialist$100 | Generic Rx$25 | HSANo | Counties12 |
| UHC Bronze Copay Focus (No Referrals) | MetalBronze | TypeHMO | Premium (age 40)$415 | Deductible$0 | OOP max$10,600 | Primary care$50 | Specialist$135 | Generic Rx$20 | HSANo | Counties12 |
| UHC Silver Value (No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$507 | Deductible$4,000 | OOP max$9,500 | Primary care$35 | Specialist$90 | Generic Rx$8 | HSANo | Counties12 |
| UHC Silver Standard (No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$510 | Deductible$6,000 | OOP max$8,900 | Primary care$40 | Specialist$80 | Generic Rx$20 | HSANo | Counties12 |
| UHC Silver Advantage (No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$514 | Deductible$2,900 | OOP max$10,400 | Primary care$30 | Specialist$100 | Generic Rx$5 | HSANo | Counties12 |
| UHC Silver Value+ (Dental + Vision, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$525 | Deductible$4,000 | OOP max$9,500 | Primary care$35 | Specialist$90 | Generic Rx$8 | HSANo | Counties12 |
| UHC Silver Advantage+ (Dental + Vision, No Referrals) | MetalSilver | TypeHMO | Premium (age 40)$531 | Deductible$2,900 | OOP max$10,400 | Primary care$30 | Specialist$100 | Generic Rx$5 | HSANo | Counties12 |
| UHC Gold Standard (No Referrals) | MetalGold | TypeHMO | Premium (age 40)$543 | Deductible$2,000 | OOP max$8,200 | Primary care$30 | Specialist$60 | Generic Rx$15 | HSANo | Counties12 |
| UHC Gold Advantage (No Referrals) | MetalGold | TypeHMO | Premium (age 40)$547 | Deductible$1,500 | OOP max$7,800 | Primary care$25 | Specialist$60 | Generic Rx$5 | HSANo | Counties12 |
| UHC Gold Copay Focus (No Referrals) | MetalGold | TypeHMO | Premium (age 40)$557 | Deductible$0 | OOP max$8,000 | Primary care$20 | Specialist$75 | Generic Rx$3 | HSANo | Counties12 |
| UHC Gold Advantage+ (Dental + Vision, No Referrals) | MetalGold | TypeHMO | Premium (age 40)$565 | Deductible$1,500 | OOP max$7,800 | Primary care$25 | Specialist$60 | Generic Rx$5 | HSANo | Counties12 |
Good to know
Corewell Health and UnitedHealthcare had a public Individual and Family contract dispute in early 2026. A June 2026 multi-year deal restored Dearborn-area hospitals for IFP members.
Other Michigan Marketplace insurers
Sources
- DIFS, 2027 Michigan Health Insurance Rate Change Requests, July 14, 2026
- ACASignups, 2027 Michigan rate changes, September 30, 2026
- CMS Nationwide QRS PUF PY2026, October 2025
- 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.