Michigan ACA Health Insurance
83 counties, 7 issuers, 116 plans
Premium Range
Premiums in Michigan range from $283/mo to $998/mo (age 27 base rate).
Reading the Michigan Marketplace
The ACA marketplace in Michigan lists 116 plans from 7 issuers spread across 83 counties. The statewide average premium is $525/mo for a 27-year-old, $640/mo at age 40, and $1,359/mo at age 60 — reflecting the ACA's 3-to-1 age rating band. Individual plan premiums run from $283 at the low end to $998 at the high end, before subsidies.
Geography drives most of the within-state variation: Alger posts the highest Silver average at $735/mo, while Genesee sits at $493/mo — a gap shaped by local issuer competition, hospital pricing, and risk-pool composition rather than benefit differences, since every marketplace plan must cover the same 10 essential health benefits. The statewide average annual deductible is $5,919, the amount most enrollees must pay before non-preventive coverage begins.
Premium tax credits (APTCs) further reduce what most enrollees pay out of pocket, with the size of the subsidy keyed to each county's benchmark (second-lowest Silver) premium. This page is informational only and is not insurance, medical, or tax advice — confirm your exact plan options, network providers, and subsidy eligibility at HealthCare.gov before enrolling. Source: CMS Marketplace Public Use Files.
Top 5 most-expensive counties — Michigan (Silver avg)
Source: CMS Healthcare.gov + state-based exchange rate filings (PY 2025) Michigan ACA marketplace premiums by county and metal tier (Plan Year 2025 Rate Filing) · 2025 CMS publishes Healthcare.gov rate filings annually for the federal exchange; state-based exchanges publish on their own schedules. Premiums shown are pre-subsidy and reflect age-27 Silver averages.
Most Expensive Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Alger | $735/mo | 16 | 2 |
| 2 | Baraga | $735/mo | 16 | 2 |
| 3 | Delta | $735/mo | 16 | 2 |
| 4 | Dickinson | $735/mo | 16 | 2 |
| 5 | Gogebic | $735/mo | 16 | 2 |
Most Affordable Counties
| # | County | Silver Avg | Plans | Issuers |
|---|---|---|---|---|
| 1 | Genesee | $493/mo | 64 | 6 |
| 2 | Lapeer | $511/mo | 51 | 5 |
| 3 | Macomb | $515/mo | 64 | 5 |
| 4 | Oakland | $515/mo | 64 | 5 |
| 5 | Shiawassee | $518/mo | 55 | 5 |
All Counties in Michigan
| County | Silver Avg | Bronze Avg | Gold Avg | Plans | Issuers | YoY |
|---|---|---|---|---|---|---|
| Alcona | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Alger | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Allegan | $601 | $426 | $616 | 59 | 5 | +34.0% |
| Alpena | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Antrim | $566 | $365 | $634 | 36 | 4 | +29.6% |
| Arenac | $577 | $366 | $641 | 36 | 4 | +29.6% |
| Baraga | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Barry | $597 | $437 | $616 | 53 | 5 | +36.6% |
| Bay | $568 | $356 | $641 | 42 | 4 | +34.4% |
| Benzie | $552 | $351 | $634 | 42 | 4 | +26.6% |
| Berrien | $627 | $425 | $621 | 42 | 4 | +28.3% |
| Branch | $598 | $384 | $647 | 40 | 4 | +19.6% |
| Calhoun | $576 | $390 | $586 | 72 | 6 | +28.8% |
| Cass | $627 | $425 | $621 | 42 | 4 | +28.3% |
| Charlevoix | $566 | $365 | $634 | 36 | 4 | +29.6% |
| Cheboygan | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Chippewa | $622 | $388 | $712 | 16 | 2 | +32.7% |
| Clare | $632 | $402 | $701 | 36 | 4 | +30.1% |
| Clinton | $594 | $366 | $666 | 42 | 4 | +33.7% |
| Crawford | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Delta | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Dickinson | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Eaton | $594 | $366 | $666 | 42 | 4 | +33.7% |
| Emmet | $566 | $365 | $634 | 36 | 4 | +29.6% |
| Genesee | $493 | $336 | $490 | 64 | 6 | +29.8% |
| Gladwin | $632 | $402 | $701 | 36 | 4 | +30.1% |
| Gogebic | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Grand Traverse | $552 | $351 | $634 | 42 | 4 | +26.6% |
| Gratiot | $577 | $366 | $641 | 36 | 4 | +35.1% |
| Hillsdale | $538 | $363 | $538 | 58 | 6 | +23.1% |
| Houghton | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Huron | $593 | $382 | $666 | 36 | 4 | +36.1% |
| Ingham | $558 | $366 | $551 | 51 | 5 | +30.1% |
| Ionia | $680 | $451 | $775 | 36 | 4 | +41.8% |
| Iosco | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Iron | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Isabella | $632 | $402 | $701 | 36 | 4 | +36.9% |
| Jackson | $555 | $366 | $569 | 59 | 5 | +27.5% |
| Kalamazoo | $576 | $390 | $586 | 72 | 6 | +28.8% |
| Kalkaska | $566 | $365 | $634 | 36 | 4 | +29.6% |
| Kent | $565 | $395 | $605 | 80 | 7 | +35.2% |
| Keweenaw | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Lake | $645 | $451 | $673 | 45 | 5 | +39.2% |
| Lapeer | $511 | $344 | $500 | 51 | 5 | +29.5% |
| Leelanau | $552 | $351 | $634 | 42 | 4 | +26.6% |
| Lenawee | $626 | $385 | $744 | 33 | 3 | +27.1% |
| Livingston | $625 | $405 | $729 | 50 | 4 | +40.7% |
| Luce | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Mackinac | $622 | $388 | $712 | 16 | 2 | +32.7% |
| Macomb | $515 | $336 | $576 | 64 | 5 | +40.8% |
| Manistee | $552 | $351 | $634 | 42 | 4 | +26.6% |
| Marquette | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Mason | $645 | $451 | $673 | 45 | 5 | +39.2% |
| Mecosta | $622 | $451 | $670 | 53 | 5 | +39.0% |
| Menominee | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Midland | $632 | $402 | $701 | 36 | 4 | +30.1% |
| Missaukee | $566 | $365 | $634 | 36 | 4 | +29.6% |
| Monroe | $527 | $340 | $580 | 46 | 4 | +41.5% |
| Montcalm | $645 | $451 | $673 | 45 | 5 | +44.4% |
| Montmorency | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Muskegon | $597 | $434 | $635 | 50 | 5 | +40.2% |
| Newaygo | $622 | $451 | $670 | 53 | 5 | +39.0% |
| Oakland | $515 | $336 | $576 | 64 | 5 | +40.8% |
| Oceana | $595 | $461 | $635 | 44 | 5 | +40.7% |
| Ogemaw | $555 | $382 | $552 | 45 | 5 | +33.6% |
| Ontonagon | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Osceola | $645 | $451 | $673 | 45 | 5 | +39.2% |
| Oscoda | $555 | $382 | $552 | 45 | 5 | +33.6% |
| Otsego | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Ottawa | $593 | $433 | $640 | 67 | 6 | +37.9% |
| Presque Isle | $597 | $382 | $668 | 36 | 4 | +31.9% |
| Roscommon | $555 | $382 | $552 | 45 | 5 | +33.6% |
| Saginaw | $568 | $356 | $641 | 42 | 4 | +34.4% |
| Saint Clair | $532 | $354 | $526 | 51 | 5 | +28.7% |
| Saint Joseph | $631 | $436 | $627 | 45 | 5 | +28.1% |
| Sanilac | $551 | $382 | $548 | 45 | 5 | +31.9% |
| Schoolcraft | $735 | $459 | $841 | 16 | 2 | +26.6% |
| Shiawassee | $518 | $336 | $560 | 55 | 5 | +31.8% |
| Tuscola | $551 | $382 | $548 | 45 | 5 | +31.9% |
| Van Buren | $587 | $394 | $606 | 63 | 5 | +23.6% |
| Washtenaw | $595 | $405 | $619 | 59 | 5 | +39.0% |
| Wayne | $541 | $352 | $606 | 64 | 5 | +39.8% |
| Wexford | $552 | $351 | $634 | 42 | 4 | +26.6% |
Health Insurance Guides
Related Health & Cost Data
ACA Health Insurance in Michigan
The Affordable Care Act marketplace in Michigan offers 116 health insurance plans from 7 issuers across 83 counties. Premiums vary significantly by geography: the most expensive county (Alger) averages $735/mo for a Silver plan, while the most affordable (Genesee) averages $493/mo.
Many consumers qualify for premium tax credits that significantly reduce monthly costs. Subsidies are based on household income relative to the federal poverty level. The average deductible across plans is $5,919, though lower-deductible options are available at higher monthly premiums.
Frequently Asked Questions
How much does health insurance cost in Michigan? ▼
What is the cheapest health insurance plan in Michigan? ▼
How many health insurance companies operate in Michigan? ▼
Where is health insurance most expensive in Michigan? ▼
What is the average deductible for health plans in Michigan? ▼
Disclaimer: This page is for informational purposes only and does not constitute insurance or financial advice. Premiums shown are base rates for a 27-year-old non-tobacco user unless otherwise noted. Actual premiums vary by age, location, tobacco use, and subsidy eligibility. Source: CMS Marketplace PUF.
Read our methodology — how this data is sourced, computed, and verified.
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