Health insurance quote · Michigan
Get a Michigan health insurance quote
Tell us your ZIP and who needs coverage. A licensed Michigan advisor compares Marketplace and other options and sends you real numbers, not a teaser rate.
Your info goes to Nexus only and is never sold. Not to a call center, not to a list of “partners.”
- ZIP + ages + income
- Marketplace & off-Marketplace
- 2027 plans Nov 1
Get my quote
Your info goes to Nexus only. Never sold. No pitch, no obligation.
What we need for an accurate quote
- ZIP code and county. Insurers, plans and prices differ by county.[1]
- Everyone’s age. Marketplace prices are set by age; a 60-year-old’s premium is more than double a 40-year-old’s in the same plan.[1]
- Expected 2027 household income. Tax credits are based on the income you expect for the coverage year.[3]
- Doctors and prescriptions. We check them against each plan’s network and drug list.[4]
2026 full prices in larger counties (monthly, non-smoker)
| County | Lowest Bronze, 40 | Benchmark Silver, 40 | Lowest Bronze, 60 | Benchmark Silver, 60 |
|---|---|---|---|---|
| Wayne | $348.64 | $507.80 | $740.38 | $1,078.37 |
| Oakland | $345.23 | $507.18 | $733.13 | $1,077.07 |
| Macomb | $345.23 | $507.18 | $733.13 | $1,077.07 |
| Kent | $380.64 | $471.47 | $808.34 | $1,001.22 |
| Genesee | $380.93 | $388.03 | $808.96 | $824.03 |
| Washtenaw | $421.33 | $488.96 | $894.75 | $1,038.38 |
| Ottawa | $462.73 | $471.47 | $982.66 | $1,001.22 |
| Ingham | $416.21 | $448.22 | $883.87 | $951.85 |
| Kalamazoo | $422.01 | $449.91 | $896.19 | $955.44 |
| Saginaw | $400.90 | $632.60 | $851.35 | $1,343.40 |
| Marquette | $528.16 | $910.03 | $1,121.61 | $1,932.56 |
CMS plan year 2026 individual market file, before tax credits.[1] Not a quote. Statewide, insurers requested an average 14.2% increase for 2027, subject to DIFS approval.[5]
Why the price you see online may change
- The extra federal tax credits expired at the end of 2025; for 2027 the expected contribution is set using IRS Rev. Proc. 2026-26.[6,7] See 2027 subsidies.
- If you take more tax credit than you qualify for, the excess is reconciled on your tax return.[8]
Prefer to compare yourself first? Start with the cheapest 2027 plan guide or Bronze vs. Silver.
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, Dates and deadlines. https://www.healthcare.gov/quick-guide/dates-and-deadlines/
- HealthCare.gov, What to include as income. https://www.healthcare.gov/income-and-household-information/income/
- HealthCare.gov, 3 things to know before you pick a health insurance plan. https://www.healthcare.gov/choose-a-plan/comparing-plans/
- Michigan DIFS, 2027 Michigan Health Insurance Rate Change Requests, Individual Market (as filed, subject to DIFS approval), updated July 14, 2026. https://www.michigan.gov/difs/-/media/Project/Websites/difs/OIRF/EHB/PDFs/2027_Proposed_Rate_Changes.pdf
- KFF, Midterm Election Update: The Affordable Care Act Marketplaces (2026). https://www.kff.org/elections/midterm-election-update-the-affordable-care-act-marketplaces/
- IRS Rev. Proc. 2026-26 (2027 applicable percentage table, 2.15% to 10.22%). https://www.irs.gov/pub/irs-drop/rp-26-26.pdf
- 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
How much is health insurance in Michigan per month?
It depends on county, age, plan and income. In the 2026 CMS file, the lowest full-price Bronze plan at age 40 ranged from $345.23 to $528.16 a month by county, before tax credits.
Get my options or call 616-808-9426.
When will 2027 quotes be available?
2027 Marketplace plans and prices are published when Open Enrollment opens on November 1, 2026.
Get my options or call 616-808-9426.
What do I need to get a quote?
Your ZIP code, everyone's age, your expected 2027 household income, and the doctors and prescriptions you want covered.
Get my options or call 616-808-9426.
Will you sell my information?
No. Your information goes to Nexus Benefit Solutions only and is never sold.
Get my options or call 616-808-9426.