Health insurance for Michiganders who buy their own.
We help Michiganders who buy their own health insurance, from people between jobs to the self-employed and early retirees, compare Marketplace plans, Medicaid eligibility and other options.
Michigan plans we compare
What’s different about health insurance in Michigan.
Every state runs its individual market a little differently. These are the rules that matter most if you buy your own coverage here.
Read the Michigan FAQ- Michigan uses the federal Marketplace. Open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027, and you must enroll by December 15 for a January 1 start.
- The extra federal premium help ended after 2025, so households above 400% of the poverty level get no premium tax credit for 2026.
- Seven insurers sell 2026 Marketplace plans in Michigan; Molina and HAP CareSource left after 2025.
- Approved 2026 individual-market rates rose 20.2% on average before subsidies.
- Michigan has no mini-COBRA law, so workers at employers with fewer than 20 employees cannot stay on the group plan under state law.
- The Healthy Michigan Plan covers adults up to 138% of the poverty level, with work requirements starting January 1, 2027.
However you got here, there’s a better plan than the first one you were offered.
Leaving a job, or staring at a COBRA bill
Compare COBRA and Michigan's own continuation rules with Marketplace plans and everything else you qualify for.
Compare your options
Retired before 65
Bridge the years to Medicare without draining savings.
Learn more
Self-employed or 1099
Solid coverage, manageable premiums, and the tax deduction most people miss.
Learn moreLooking beyond the Marketplace
Health sharing and other non-ACA options, with the trade-offs explained.
Learn moreNeed coverage for a short gap
What short-term coverage looks like in Michigan, and what to use instead.
Learn moreWho sells plans in Michigan
Every insurer offering individual and family plans for 2026.
Learn moreFrom first conversation to coverage in three steps.
- 1
Tell us your situation
Share your ZIP, age, budget and the doctors you want to keep. Online or by phone, with no commitment.
About 5 minutes - 2
We compare every option
A licensed agent checks the plans sold in your county for premiums, deductibles, networks and prescriptions.
Usually within 1 business day - 3
Enroll with confidence
See your best matches side by side. Pick one and we handle the enrollment, then stay with you for renewals.
We handle the paperwork
Straight answers before you call.
More in our Michigan FAQ, or ask an agent at (888) 214-4898.
Open enrollment for 2027 runs November 1, 2026 to January 15, 2027. Enroll by December 15 for coverage starting January 1; if you enroll December 16 to January 15, coverage starts February 1.
No. Michigan uses the federal Marketplace at HealthCare.gov. Michigan's insurance department also runs the Health Insurance Consumer Assistance Program (HICAP) at 877-999-6442 for questions and complaints.
Two things happened at once. Insurers raised individual rates 20.2% on average for 2026, and the extra federal premium help that started in 2021 expired at the end of 2025, so many people now get a smaller tax credit or none at all.
See what you'd actually pay.
A licensed agent will compare plans from every insurer in your Michigan county, check your subsidy, and walk you through the options. No cost, no obligation.