Health insurance · Michigan
ACA Marketplace Health Insurance in Michigan
Michigan has expanded Medicaid: an adult qualifies up to about $22,025 in 2026, and marketplace subsidies pick up above that.
- Under 65
- healthcare.gov
- Financial assistance for those who qualify
Marketplace coverage in Michigan
A Michigan adult earning up to about $22,025 in 2026 — 138% of the federal poverty level — qualifies for Michigan Medicaid under the state’s expansion, and the healthcare.gov subsidy begins above that line; because the application routes a household by projected income, the line matters most for Michigan’s seasonal and self-employed workers, whose income moves through the year.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office — not a call center, not a robot.
Where Michigan residents buy marketplace coverage
Every plan sold on the marketplace covers the ten essential health benefits, none can decline you or charge more for a pre-existing condition, and the premium tax credit is applied through the same application.
healthcare.gov
Michigan marketplace plans are sold through healthcare.gov. Michigan has no state-run exchange; the federal marketplace handles enrollment and the premium tax credit. A licensed agent can enroll you there at no extra cost — the carrier pays us; your premium does not change. See how ACA marketplace plans work.
Medicaid expansion in Michigan
Michigan has expanded Medicaid. An adult with household income up to about 138% of the federal poverty level qualifies for Michigan Medicaid rather than a marketplace plan — in 2026 that is roughly $22,025 for one person, $29,863 for two, $37,702 for three and $45,540 for four. Above those lines the premium tax credit takes over and is applied to a marketplace plan. There is no coverage gap: the application checks income first and routes each household to the right program. Expansion status per KFF’s Medicaid expansion tracker (as of August 2026) and medicaid.gov; income lines from the 2026 HHS poverty guidelines.
What you would actually pay, and when you can enroll
The sticker price is not what most people pay
Premium tax credits are based on your household income and household size, and they are applied directly to your monthly premium rather than paid back at tax time. We check what you qualify for before you pick a plan, so you are comparing what you would actually pay each month, and we tell you if a plan’s deductible or network makes the cheapest premium a poor choice.
Open enrollment in Michigan
Open Enrollment is the annual window when anyone can sign up for a marketplace plan or change the one they have. It generally runs from November into January. Michigan uses the federal marketplace, so its window follows the healthcare.gov schedule. Outside that window you need a qualifying life event — losing job coverage, moving, marriage, or a new child — to enroll. Dates are set each plan year; a licensed agent will confirm the current ones on the call.
Turning 65 in Michigan?
If you are turning 65, or already have Medicare, a marketplace plan is usually the wrong product: once Part A and Part B begin, the premium tax credit ends and Medicare becomes primary. The natural next step is a Medicare Advantage plan for your county.
Michigan insurance regulation
Michigan Department of Insurance and Financial Services
Marketplace plans sold in Michigan are regulated by the Michigan Department of Insurance and Financial Services, which approves the plans and rates carriers may offer, licenses the agents who sell them and handles consumer complaints.
Common questions in Michigan
Where do Michigan residents buy ACA coverage?
Through healthcare.gov, the federal marketplace; Michigan has not set up a state exchange. The application checks Michigan Medicaid eligibility — about $22,025 for one person in 2026 — and then calculates the premium tax credit. Enrolling through a licensed agent costs nothing extra.
Has Michigan expanded Medicaid, and what is the income line?
Yes. Household income up to about 138% of the federal poverty level — roughly $22,025 for one person or $29,863 for two in 2026 — qualifies for Michigan Medicaid, so there is no coverage gap. If your income varies through the year, as it does for many seasonal and self-employed Michigan workers, an agent can help you estimate it so you land in the right program.
How does the subsidy change what I pay in Michigan?
The premium tax credit is set by household income and size and applied to your monthly premium. A Michigan household just above the $22,025 Medicaid line for one person receives close to the largest credit available; the sticker price on healthcare.gov is not what you pay.
I am turning 65 in Michigan. What changes?
Your premium tax credit ends when Medicare Part A and Part B begin, and Medicare becomes primary. Michigan’s State Health Insurance Assistance Program (SHIP), run through the Department of Health and Human Services at 1-800-803-7174, offers free Medicare counseling; if you spend winters in a warmer state, tell the agent, because it changes which Medicare Advantage plan types are worth comparing.
Prefer we call you? Here is what happens next.
A real person calls you back.Licensed agents in our Greenwood Village, Colorado office.
A licensed agent calls you back
During business hours: Monday to Friday 9 to 7, Saturday 9 to 5, Mountain Time.
We focus on what you actually need
Tell us whether you need help with Final Expense insurance, Medicare or another health coverage question. Your agent reviews the options that apply to your situation.
You decide what fits
We explain the important differences and next steps. If an option makes sense, we can help you move forward. There is no fee for speaking with us.
Sources
- healthcare.gov — the marketplace for Michigan
- medicaid.gov — Adult Coverage Expansion map and the May 2026 Medicaid & CHIP enrollment highlights (expansion status)
- Michigan Department of Insurance and Financial Services — state insurance regulator
- Wikimedia Commons — state outline (CC0)
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Last updated: September 2026