Parents · Kids · Spouses

Family health insurance in Michigan

Family coverage can come from a Marketplace plan, a job, MIChild or a mix. We compare the options with real Michigan prices so you don’t overpay.

Your info goes to one licensed Michigan advisor, never sold. Not to a call center, not to a list of “partners.”

Kids to 26
MIChild up to 212% FPL
Family glitch fix

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This is a request for help, not an application for coverage. Nexus Benefit Solutions is a private, independent agency and is not affiliated with HealthCare.gov, CMS, the State of Michigan or DIFS. Please don't include medical details in this form.

Covering your family in Michigan

Kids can stay on a parent’s plan until 26, married or not, living at home or not. [HealthCare.gov]
Children’s dental and vision are essential health benefits. Every Marketplace plan covers kids’ vision, and children’s dental must be available, either in the health plan or as a separate dental plan. [HealthCare.gov] See dental & vision.
New baby or adoption? That’s a Special Enrollment event, so you can add the child outside Open Enrollment. [HealthCare.gov]
One household, one application. The Marketplace counts the income of everyone in your tax household, including dependents who must file.

MIChild and Healthy Kids

Michigan covers many children through Medicaid. MIChild covers uninsured children under 19 in households up to 212% of the poverty level, and Healthy Kids is free for lower incomes. [MDHHS BEM 211; MDHHS MIChild]

Some families end up with kids on MIChild or Healthy Kids and parents on a Marketplace plan. Apply any time at MI Bridges.

Price out my family’s options

What family coverage costs in 2026, by county

Full monthly premiums for two adults age 40 and two children, before any tax credit:

County (2026)	Insurers	Lowest Bronze, age 40	Benchmark Silver, age 40	Benchmark Silver, family of 4*	Lowest Bronze, family of 4*
Kent (Grand Rapids)	7	$356.39	$471.47	$1,507.38	$1,139.44
Wayne (Detroit)	5	$348.64	$507.80	$1,623.52	$1,114.66
Oakland (Troy)	5	$345.23	$507.18	$1,621.56	$1,103.76
Macomb (Warren)	5	$345.23	$507.18	$1,621.56	$1,103.76
Washtenaw (Ann Arbor)	5	$421.33	$488.96	$1,563.30	$1,347.08
Genesee (Flint)	6	$380.93	$388.03	$1,240.60	$1,217.90
Ingham (Lansing)	5	$416.21	$448.22	$1,433.04	$1,330.70
Kalamazoo	6	$422.01	$449.91	$1,438.44	$1,349.24
Ottawa (Holland)	6	$356.39	$471.47	$1,507.38	$1,139.44
Muskegon	5	$356.39	$471.47	$1,507.38	$1,139.44
Saginaw	4	$400.90	$632.60	$2,022.54	$1,281.74
Grand Traverse (Traverse City)	4	$375.09	$591.88	$1,892.34	$1,199.24

Source: CMS QHP Landscape Individual Market Medical file, plan year 2026, computed by county. Monthly full-price premiums for non-tobacco users before any premium tax credit. “Benchmark” is the second-lowest-cost Silver plan, which sets the size of the tax credit. 2027 plans and prices aren’t published yet.

*Family of 4 = two adults age 40 and two children, per the CMS file’s “Couple + 2 children, age 40” rate.

For 2027 coverage, the tax credit stops above 400% of the poverty level, about $132,000 for a family of four. Below that, the most you’re expected to pay for the benchmark Silver plan is 10.22% of household income. [healthinsurance.org; IRS Rev. Proc. 2026-26]

Have a job-based family plan that costs too much?

Since 2023, whether your spouse and kids can get Marketplace credits depends on what family coverage at your job costs, not just your own coverage. If the family premium is more than the affordability limit (10.22% of household income for 2027), your family members may qualify for credits even if your own coverage counts as affordable. [IRS; CMS “family glitch” guidance; IRS Rev. Proc. 2026-26]

Some families do best splitting up: one parent on the job plan, everyone else on a Marketplace plan. We run the numbers both ways.

Before you choose

Each person’s doctors, especially pediatricians and specialists
Prescriptions for everyone
The family deductible and out-of-pocket maximum, not just the premium
Whether kids’ dental is built in or needs a separate plan

Self-employed parents: see the self-employed guide.

2-minute advisor Q&A

Family coverage: what to compare

A Nexus advisor answers the questions we hear most. (Video coming soon.)

Can my kids get MIChild while I'm on a Marketplace plan?
My work's family plan is expensive. Are there options?
Is kids' dental included?

2-minute advisor Q&A Video coming soon

Frequently asked questions

How much is family health insurance in Michigan?

It depends on ages, county, plan and income. In the 2026 CMS plan file, the benchmark Silver plan for two 40-year-old adults and two children was about $1,240.60 a month in Genesee County and $2,022.54 in Saginaw County at full price. Many families pay less after a premium tax credit.

Can my kids get MIChild if I buy a Marketplace plan?

Possibly. MIChild covers uninsured children under 19 in households up to 212% of the poverty level. Kids can be on MIChild or Healthy Kids while parents use a Marketplace plan. Apply through MI Bridges.

Until what age can my child stay on my health plan?

Until age 26 on Marketplace and most job-based plans.

My employer's family plan is expensive. Can my family get a subsidy?

Maybe. Since 2023, family members are tested on the cost of family coverage. If it's more than 10.22% of household income for 2027, your spouse and kids may qualify for Marketplace credits.

Do Marketplace plans cover children's dental and vision?

All Marketplace plans cover children's vision. Children's dental must be available, either in the health plan or through a separate dental plan, but you don't have to buy it.

Will you sell my information?

No. It goes to one licensed Michigan advisor at Nexus and is never sold.

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