Medicaid & Marketplace · 2027
Healthy Michigan Plan or a Marketplace plan: which one fits your income?
One application on HealthCare.gov checks both. Here are the income lines in dollars, what changes in 2027 and what to do if your income sits near the line.
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- 133% / 138% line
- 400% credit line
- Work rules start 2027
Check which one fits me
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The income lines in dollars
Using the 2026 HHS poverty guidelines for the 48 contiguous states, the latest published.[3]
| Household size | 100% of poverty | 138% (Medicaid line) | 400% (credit line) |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $63,840 |
| 2 | $21,640 | $29,863 | $86,560 |
| 3 | $27,320 | $37,702 | $109,280 |
| 4 | $33,000 | $45,540 | $132,000 |
138% and 400% are calculated from the HHS guideline.[3] Medicaid decisions are made by the State of Michigan, which applies its own counting rules.[1]
Healthy Michigan Plan basics
- Ages 19 to 64, Michigan resident, not pregnant when applying, and not eligible for or enrolled in Medicare or another Medicaid program.[1]
- Income is measured with the Modified Adjusted Gross Income (MAGI) method.[1]
- New for 2027: the state lists work requirements beginning January 1, 2027.[1] Check the state’s Healthy Michigan Plan page to see whether they apply to you.
- You can apply for Medicaid any time of year; there’s no enrollment window.[4]
Rules that trip people up
- If you qualify for Medicaid, you aren’t eligible for savings on a Marketplace plan.[4]
- If the state finds you aren’t eligible for Medicaid, it usually sends your information to the Marketplace so you can apply for a plan with savings.[4]
- If you lose Medicaid or CHIP, you may qualify for a Special Enrollment Period if the loss was in the past 90 days.[5]
- Above 400% of poverty there’s no premium tax credit for 2027 coverage.[6] See what changed with subsidies.
Near a line? Small changes in expected income can move you between programs. See ACA subsidies for 2027 and how to get a 2027 plan.
Sources
- Michigan Department of Health and Human Services, Healthy Michigan Plan. https://www.michigan.gov/healthymiplan
- HealthCare.gov, Medicaid expansion & what it means for you. https://www.healthcare.gov/medicaid-chip/medicaid-expansion-and-you/
- HHS ASPE, 2026 Poverty Guidelines (used for 2027 coverage). https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines
- HealthCare.gov, Medicaid & CHIP coverage. https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/
- HealthCare.gov, Special Enrollment Periods. https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/
- 26 U.S.C. §36B and notes (Pub. L. 119-21 §71305, effective for tax years after Dec. 31, 2025), Cornell LII. https://www.law.cornell.edu/uscode/text/26/36B
Checked October 16, 2026. 2027 Marketplace plans and final 2027 rates aren’t published yet; we’ll update this page when they are.
Frequently asked questions
What is the income limit for the Healthy Michigan Plan?
Income at or below 133% of the federal poverty level for adults 19 to 64. HealthCare.gov notes that because of how income is calculated, this works out to 138%.
Can I get a Marketplace subsidy if I qualify for Medicaid?
No. If you qualify for Medicaid, you are not eligible for savings on a Marketplace plan.
Does the Healthy Michigan Plan have work requirements?
The State of Michigan lists work requirements for the Healthy Michigan Plan beginning January 1, 2027.
When can I apply for Medicaid in Michigan?
Any time of year. Medicaid has no open enrollment window.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.