Michigan Health Insurance Carriers for 2026
These are the insurers selling individual and family health plans in Michigan for 2026, and where to buy them.
The Michigan individual market in 2026
Seven insurers sell 2026 Marketplace plans in Michigan, and which ones you can pick from depends on your county. Prices rose sharply for 2026, with approved rates up 20.2% on average before subsidies, and Molina and HAP CareSource left the Marketplace after 2025. If your 2025 insurer is gone, you need to choose a new plan.
Insurers selling individual plans in Michigan
| Insurer | Sells Marketplace plans | Notes |
|---|---|---|
| Blue Cross Blue Shield of Michigan | Yes | The state's Blue Cross plan sells Marketplace plans for 2026, with an approved average rate increase of 24% before subsidies. |
| Blue Care Network of Michigan | Yes | Blue Care Network, part of the Blue Cross family in Michigan, sells Marketplace plans for 2026 with an approved average increase of 23% before subsidies. |
| Priority Health | Yes | A Michigan-based insurer with about 122,000 individual enrollees heading into 2026, with an approved average increase of 19.2%. |
| Meridian Health Plan of Michigan | Yes | Approved for a 16.9% average increase for 2026 and cut its individual lineup to nine plans, down from 17. |
| McLaren Health Plan Community | Yes | Sells Marketplace plans in parts of Michigan for 2026 with an approved average increase of 19.2%. |
| UnitedHealthcare Community Plan | Yes | Sells Marketplace plans for 2026 with an approved average increase of 25.8%, the highest among the 2026 carriers. |
| Oscar Insurance Company | Yes | Sells Marketplace plans for 2026 with the smallest approved average increase among carriers, 9.3%. |
| Molina Healthcare of Michigan | Off-exchange only | Left the Marketplace after 2025 and offers one off-exchange individual plan statewide, which does not qualify for premium tax credits. |
Not every insurer sells in every county. Your ZIP code determines which plans you can buy.
Michigan questions
Don’t see your question? Ask a licensed agent or call (888) 214-4898.
Seven: Blue Cross Blue Shield of Michigan, Blue Care Network, Priority Health, Meridian, McLaren Health Plan Community, UnitedHealthcare Community Plan and Oscar. Not every insurer sells in every county.
Both insurers left Michigan's Marketplace after 2025, so you need to choose a plan from a remaining insurer. Molina still offers one off-exchange plan statewide, but it does not qualify for premium tax credits.
According to KFF, the 2026 benchmark Silver plan for a 40-year-old in Michigan averages $523 a month before tax credits. Your actual price depends on age, county, plan and income.
Sources
Reviewed October 2026. Rules and prices change every year; a licensed agent will confirm what applies to you.
