Michigan got off lighter than most on rates — 20.2% — but lost three marketplace insurers, and short-term coverage is capped at 185 days.
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 roughly 30% 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. Michigan has 10 issuers in the individual market for 2026, down from 12 — and on the Marketplace specifically, 7 issuers, down from 10. 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, which means the unsettled 2027 federal enrollment deadline applies here rather than a state-set calendar. Enrolling by December 15 is correct regardless of how that gets resolved.
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.
Premium tax credits end above $62,600 for one person and $128,600 for a household of four in 2026. Above that line Michiganders pay full retail on a plan that just rose 20%, chosen from three fewer exchange carriers than last year.
For a healthy household above the threshold, a non-Marketplace PPO frequently costs less per month with a broader network — and given the shrinking issuer count on Michigan's exchange, widening the comparison is worth more here than it was two years ago.
The Michigan Department of Insurance and Financial Services maintains a public producer lookup. My NPN is 21388659.
A 20-minute call: household, income, health history, the doctors and prescriptions you can't lose. Then I price the unsubsidized Marketplace option against whatever non-Marketplace options exist in your state, verify networks and formularies before recommending anything, and tell you which I'd choose and why.
It costs you nothing. Brokers are paid a commission by the carrier, built into the premium whether you use one or not — enroll direct and the carrier simply keeps it. There's a fuller explanation, plus my NPN, on the licensing page.
One thing worth being direct about: the non-Marketplace plans I work with are medically underwritten and not ACA-compliant. The application asks about your health history, coverage can be declined or limited based on it, and pre-existing conditions may be excluded. In exchange you get a lower premium, a real maximum out-of-pocket, and usually a broader network. If you're managing an ongoing condition, an ACA plan's guaranteed coverage is often worth more than the premium difference — and I'll tell you that even though it's the less profitable answer for me.
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.
Twenty minutes. Both markets priced side by side for your household.
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