Michigan · HealthCare.gov · 2027
The cheapest Marketplace health plans in Michigan for 2027
The lowest premium isn’t always the lowest cost. Here’s what low-cost plans cost in Michigan, what their deductibles look like and how tax credits change the math.
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- 2026 prices by county
- Proposed 2027: 14.2% avg
- Enroll by Dec 15 for Jan 1
Find my lowest real cost
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What the lowest-cost plans cost (2026)
| County (2026) | Insurers | Lowest Bronze, age 40 | Benchmark Silver, age 40 |
|---|---|---|---|
| Kent (Grand Rapids) | 7 | $356.39 | $471.47 |
| Wayne (Detroit) | 5 | $348.64 | $507.80 |
| Oakland (Troy) | 5 | $345.23 | $507.18 |
| Macomb (Warren) | 5 | $345.23 | $507.18 |
| Washtenaw (Ann Arbor) | 5 | $421.33 | $488.96 |
| Genesee (Flint) | 6 | $380.93 | $388.03 |
| Ingham (Lansing) | 5 | $416.21 | $448.22 |
| Kalamazoo | 6 | $422.01 | $449.91 |
| Saginaw | 4 | $400.90 | $632.60 |
| Grand Traverse | 4 | $375.09 | $591.88 |
Source: CMS QHP Landscape Individual Market Medical file, plan year 2026, computed by county. Full monthly price for a non-tobacco 40-year-old before any premium tax credit. Not a quote; 2027 prices aren’t published yet.
For 2027, Michigan insurers requested an average 14.2% increase for individual plans (range 11.1% to 25.5% by insurer), as filed with DIFS and subject to approval. [DIFS 2027 Rate Change Requests] See the insurer-by-insurer table.
Why “cheapest” can cost more
- Bronze deductibles are high. In 2026, the median Bronze deductible was $7,500 in Kent, $8,250 in Wayne and Kalamazoo and $8,500 in Ingham, with a top of $10,600. [CMS PY2026, computed]
- Silver can beat Bronze. If your income is between 100% and 250% of the poverty level, Silver plans come with extra savings on deductibles and copays (cost-sharing reductions). [HealthCare.gov]
- Your credit is tied to the benchmark Silver plan, so the plan with the lowest sticker price isn’t always the lowest after credits.
- Catastrophic plans are for people under 30 or with a hardship exemption. [HealthCare.gov]
Ways to lower your real cost
- Estimate 2027 income carefully; see ACA subsidies for 2027.
- Starting in 2026, all Bronze and Catastrophic Marketplace plans are HSA-eligible. [IRS; healthinsurance.org]
- Pair a lower-premium plan with virtual primary care for everyday visits (a monthly wellbeing benefit, not insurance).
2027 Open Enrollment dates
- November 1, 2026Open Enrollment for 2027 starts.
- December 15, 2026Enroll by this date for coverage starting January 1, 2027.
- January 15, 2027Open Enrollment ends; plans picked Dec 16–Jan 15 start February 1.
Source: HealthCare.gov.
Frequently asked questions
What is the cheapest health insurance in Michigan?
It depends on your county, age and income. In 2026, the lowest full-price Bronze plan for a 40-year-old ranged from about $345 to $422 a month across major Michigan counties before any tax credit. 2027 prices aren't published yet.
Are cheap Bronze plans worth it?
They can be if you rarely need care, but 2026 median Bronze deductibles in large Michigan counties ran from $7,500 to $8,500. If your income qualifies for cost-sharing reductions, a Silver plan may cost less overall.
Will Michigan health insurance cost more in 2027?
Insurers requested an average 14.2% increase for 2027 individual plans, subject to DIFS approval. What you pay depends on your plan and any premium tax credit.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.