Low deductible · Gold plans · Michigan
Low-deductible health insurance in Michigan
If you see the doctor often, take regular prescriptions or have a surgery planned, a higher premium with a lower deductible can cost less over the year. Here’s what Michigan actually offered.
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- 9 Gold plans with $0 deductible (2026)
- No Platinum sold in MI
- Compare total yearly cost
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Gold and $0-deductible plans in larger counties (2026, age 40, monthly)
| County | Gold plans | Lowest Gold premium | Its deductible | Plans with $0 deductible (any metal) | Lowest $0-deductible premium | Benchmark Silver |
|---|---|---|---|---|---|---|
| Wayne | 13 | $543.44 | $2,000 | 3 | $415.92 | $507.80 |
| Oakland | 13 | $542.78 | $2,000 | 3 | $415.42 | $507.18 |
| Macomb | 13 | $542.78 | $2,000 | 3 | $415.42 | $507.18 |
| Kent | 21 | $485.54 | $2,000 | 7 | $392.13 | $471.47 |
| Genesee | 17 | $409.43 | $2,000 | 4 | $418.89 | $388.03 |
| Washtenaw | 15 | $515.94 | $2,000 | 3 | $590.99 | $488.96 |
| Ottawa | 17 | $485.54 | $2,000 | 5 | $392.13 | $471.47 |
| Ingham | 13 | $472.94 | $2,000 | 2 | $541.74 | $448.22 |
| Kalamazoo | 19 | $474.72 | $2,000 | 5 | $464.06 | $449.91 |
| Saginaw | 7 | $682.80 | $2,100 | 0 | – | $632.60 |
| Marquette | 4 | $940.03 | $2,050 | 0 | – | $910.03 |
CMS plan year 2026 file, non-smoker, full price before tax credits; individual in-network medical deductible. Statewide, 11 plans had a $0 deductible (9 Gold and 2 Expanded Bronze), available in 37 of 83 counties.[1] A $0 deductible doesn’t mean $0 cost: copays and coinsurance still apply up to the out-of-pocket limit.[2]
When a low deductible is worth it
- Add up the whole year. Compare premiums plus what you expect to pay for care, not just the monthly price.[2,3]
- Know the cap. For 2027, a Marketplace plan’s out-of-pocket limit can be no more than $12,000 for one person or $24,000 for a family.[4]
- Check income first. If your income is up to 250% of the poverty level, a Silver plan with extra savings may beat Gold on deductible.[5] See Bronze vs. Silver.
- Your tax credit works on Gold too. It’s figured from the benchmark Silver plan, then applied to the plan you choose.[6] Managing a condition? See choosing a plan with a chronic condition.
Sources
- 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
- HealthCare.gov, The “metal” categories: Bronze, Silver, Gold & Platinum. https://www.healthcare.gov/choose-a-plan/plans-categories/
- HealthCare.gov, 3 things to know before you pick a health insurance plan. https://www.healthcare.gov/choose-a-plan/comparing-plans/
- HealthCare.gov glossary, Out-of-pocket maximum/limit (2026 and 2027 limits). https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/
- HealthCare.gov, Cost-sharing reductions. https://www.healthcare.gov/lower-costs/save-on-out-of-pocket-costs/
- IRS, Questions and answers on the premium tax credit. https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit
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
Are there $0-deductible health plans in Michigan?
Yes. In 2026, 9 of Michigan's 29 Gold Marketplace plans had a $0 individual medical deductible, per the CMS plan year 2026 file. Copays and coinsurance still apply. 2027 plans are published November 1, 2026.
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Is a Gold plan worth it?
It can be if you expect to use a lot of care. Compare total yearly cost: premiums plus expected deductibles, copays and coinsurance, up to the out-of-pocket limit.
Get my options or call 616-808-9426.
Can I use my tax credit on a Gold plan?
Yes. The credit amount is based on the benchmark Silver plan, and you can apply it to a Bronze, Silver or Gold plan.
Get my options or call 616-808-9426.
Will you sell my information?
No. We do not sell your information. Nexus uses it to answer your request and shares it only as our Privacy Policy explains, for example with your insurance carrier when you enroll, or with service providers that help us run our website.
Get my options or call 616-808-9426.