Michigan ACA health insurance plans for 2026.
Michigan uses the federal HealthCare.gov Marketplace for ACA enrollment. A licensed SilverEdge advisor can quote and enroll you on HealthCare.gov directly. We compare every on-exchange carrier in your county — Blue Cross Blue Shield of Michigan, Priority Health, Molina Healthcare, Ambetter (Centene), Oscar, UnitedHealthcare, McLaren Health Plan, Physicians Health Plan (PHP), and US Health and Life — and check your doctor's network before you enroll.
Michigan's ACA Marketplace
Michigan uses the federal HealthCare.gov Marketplace for ACA enrollment. A licensed SilverEdge advisor can quote and enroll you on HealthCare.gov directly.
Most Michiganders qualify for federal premium tax credits. Michigan has steady year-over-year ACA enrollment growth, with the majority of enrollees receiving subsidies.
2026 Michigan Marketplace carriers
Availability varies by county and metal tier (Bronze, Silver, Gold).
2026 Michigan on-exchange carriers include: Blue Cross Blue Shield of Michigan, Priority Health, Molina Healthcare, Ambetter (Centene), Oscar, UnitedHealthcare, McLaren Health Plan, Physicians Health Plan (PHP), and US Health and Life.
Networks vary widely. Some plans use narrow networks built around a single health system; others use broader statewide PPOs. We verify your doctor and preferred hospital before recommending any plan.
Medicaid expansion in Michigan
Michigan expanded Medicaid under the ACA in 2014 (Healthy Michigan Plan). Adults under 138% of the Federal Poverty Level generally qualify for Healthy Michigan — there is no Michigan coverage gap.
Michigan ACA enrollment dates
- Open Enrollment: November 1, 2025 – January 15, 2026 for 2026 coverage.
- Plan effective dates: Plans selected by December 15 start January 1; plans selected December 16 – January 15 start February 1.
- Special Enrollment Period (SEP): Triggered by qualifying life events — losing coverage, marriage, birth, moving, income change. Runs 60 days from the event date.
Michigan counties we cover
All 83 Michigan counties.
Ready to enroll in Michigan ACA coverage?
Free, no pressure. Licensed in Michigan and all 50 states. We'll check your subsidy, compare every Marketplace plan in your county, and verify your doctor's network — all before you enroll.