Special Enrollment · Moving
Moving to Michigan (or within it): how to get health insurance
A move can let you enroll outside Open Enrollment, but only for 60 days, and you may have to prove it. Here’s how it works.
Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”
- 60-day window
- New ZIP or county
- Documents may be needed
Plan my coverage after a move
Your info goes to Nexus only. Never sold. No pitch, no obligation.
Moves that can qualify
- A new home in a new ZIP code or county.[1]
- A move to the U.S. from a foreign country or U.S. territory.[1]
- A move to or from the place you attend school (students), the place you both live and work (seasonal workers), or a shelter or transitional housing.[1]
Doesn’t qualify: moving only for medical treatment, or staying somewhere on vacation.[1]
Proving the move
- You may be asked for documents; your Eligibility Notice will say so.[2]
- Pick a plan first, then send documents within 30 days.[2]
- You can’t use the coverage until the Marketplace confirms your eligibility and you pay your first premium.[2] If delays kept you from using it, you may pay earlier months’ premiums and get retroactive coverage.[2]
Your Michigan options
- Michigan uses HealthCare.gov. In 2026, between 2 and 7 insurers sold plans in each county, so the choice depends on where you land.[3] See insurers by county.
- Low income? Michigan adults 19 to 64 at or below 133% of poverty may qualify for the Healthy Michigan Plan, which you can apply for any time.[4,5]
- Moving in the fall? Open Enrollment runs November 1, 2026 to January 15, 2027.[6]
Other life events: Special Enrollment Periods in Michigan.
Sources
- HealthCare.gov, Special Enrollment Periods. https://www.healthcare.gov/coverage-outside-open-enrollment/special-enrollment-period/
- HealthCare.gov, Send documents to confirm a Special Enrollment Period. https://www.healthcare.gov/coverage-outside-open-enrollment/confirm-special-enrollment-period/
- CMS, QHP Landscape Individual Market Medical file, plan year 2026 (HealthCare.gov states), Michigan rows. https://data.healthcare.gov/datafile/py2026/individual_market_medical.zip
- Michigan Department of Health and Human Services, Healthy Michigan Plan. https://www.michigan.gov/healthymiplan
- HealthCare.gov, Medicaid & CHIP coverage. https://www.healthcare.gov/medicaid-chip/getting-medicaid-chip/
- HealthCare.gov, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
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
Does moving to Michigan let me buy health insurance outside Open Enrollment?
Often yes. Moving to a new home in a new ZIP code or county, or to the U.S. from abroad, may qualify you for a Special Enrollment Period.
How long do I have after moving?
Pick a plan within 60 days of the move. After that, you wait for Open Enrollment unless another life event applies.
Do I need to prove I moved?
You may. If your Eligibility Notice asks for documents, pick a plan and send them within 30 days. Coverage can't be used until eligibility is confirmed and the first premium is paid.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.