Michigan got off lighter than most on rates — 20.2% — but lost three marketplace insurers, and short-term coverage is capped at 185 days. For Michigan households that get no premium tax credit, licensed independent broker Cavin Rohr compares what is left in both markets, at no cost to the client.
| Rate change | 2026: +20.2% approved · 2027: +14.5% approved |
|---|---|
| Carrier choice | Exchange issuers fell from 10 to 7 for 2026 |
| Where you enroll | healthcare.gov |
| Medicaid | Healthy Michigan Plan — 690,000+ enrolled |
| Short-term plans | 185 days, no renewal |
2027 rates marked approved are final; marked filed means carriers have submitted but the state has not signed off, and approved rates routinely differ from filings. All figures are statewide weighted averages before subsidies — your county and your carrier will differ, sometimes by a lot. Verified against state filings October 6, 2026. Ask me to price your own county before you decide anything on these.
Michigan is a comparatively moderate market with two specific constraints worth knowing before you shop.
Michigan individual marketplace rates rose about 20.2% on average for 2026 — meaningful, but the mildest of the five states I'm asked about most, and below the average across healthcare.gov states.
The increases weren't uniform by carrier. Blue Cross Blue Shield of Michigan filed increases around 24% and 23.3%. UnitedHealthcare Community came in highest at about 25.8%. Priority Health raised roughly 19.2% and Molina Healthcare of Michigan about 18.3%. Which carrier you were with mattered by several percentage points.
The bigger structural change is choice. On the Marketplace specifically, Michigan has 7 issuers for 2026, down from 10 — a net loss of three carriers. Losing three exchange carriers in one year narrows the comparison set, and it's part of why re-shopping this year matters more than usual.
Michigan is on the federal platform, so the federal calendar applies rather than a state-set one. For 2027 that is November 1 through January 15, with December 15 the cutoff for coverage starting January 1 — anything after that starts February 1. A 2025 federal rule would have ended enrollment on December 15 outright; a court vacated that provision in June 2026 and the appeal, argued in late October, affects the 2028 season at the earliest. Enrolling by December 15 is the right move either way.
The Healthy Michigan Plan covers adults 19 to 64 with incomes up to 133% of the federal poverty level — roughly $21,600 for a single adult — and more than 690,000 Michiganders were enrolled as of February 2026. There's no coverage gap here the way there is in Florida, Texas, or Georgia. If your income is low, this is a genuine option rather than a dead end.
Michigan caps short-term coverage at 185 days with no renewal beyond that. That's stricter than Florida, Texas, or Georgia, where durations can reach 36 months, and stricter than the federal default.
So short-term coverage in Michigan is a genuine bridge and nothing more — about six months, once. If you need something longer, it isn't the answer here, and anyone suggesting otherwise is describing a different state's rules.
What the federal rule actually says. The 2024 federal rule defining short-term, limited-duration insurance caps the initial term at three months and total duration at four months including renewals. That rule has not been repealed or struck down. On August 7, 2025 the Departments of Labor, Health and Human Services and the Treasury said they do not intend to prioritize enforcing it, and signalled new rulemaking. The longer durations described above rest on that discretionary non-enforcement position together with state law — not on a change to the federal definition. It can be revisited, so ask me where it stands before you plan around a long term.
What these plans are, stated plainly. Short-term plans are medically underwritten — the application asks about your health history, and coverage can be declined, limited, or priced based on what it says. They are not ACA-compliant: pre-existing conditions may be excluded, and the essential health benefits guaranteed on every Marketplace plan are not automatic. If anyone in the household is managing a condition, an ACA plan’s guaranteed coverage is usually worth the premium difference, and I’ll tell you so even though it’s the less profitable answer for me.
Premium tax credits end above $63,840 for one person and $132,000 for a household of four in 2027. Above that line Michiganders pay full retail on a plan that just rose 20%, chosen from three fewer exchange carriers than last year.
Above that line, widening the comparison beyond the exchange is worth more in Michigan than it was two years ago — with three fewer issuers on the marketplace, the on-exchange menu is simply shorter than it used to be.
The Michigan Department of Insurance and Financial Services maintains a public producer lookup. My NPN is 21388659.
Nothing. Brokers are paid a commission by the carrier, and it's built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. The plan price is identical either way. There's a fuller explanation, along with my NPN, on the licensing page.
Michigan individual marketplace rates rose about 20.2% on average. By carrier: Blue Cross Blue Shield of Michigan around 24% and 23.3%, UnitedHealthcare Community about 25.8%, Priority Health roughly 19.2%, and Molina Healthcare of Michigan about 18.3%.
Michigan limits short-term coverage to 185 days with no renewal beyond that — stricter than the federal default and much stricter than states like Florida, Texas, and Georgia where total duration can reach 36 months.
No. Michigan expanded Medicaid through the Healthy Michigan Plan, which covers adults 19 to 64 with incomes up to 133% of the federal poverty level, roughly $21,600 for a single adult. More than 690,000 residents were enrolled as of February 2026.
Licensed in Michigan and 28 other states as Rohr Health Advisors LLC. See the full list and verify the license, or start with the situation that matches yours.
Last reviewed October 6, 2026 by Cavin Rohr, licensed insurance broker — NPN 21388659. The rate figures, enrollment dates and subsidy thresholds on this page were verified against state insurance filings and federal sources on that date. Dates and rates move; ask me to confirm yours before you rely on one.
Twenty minutes. Both markets priced side by side for your household.
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