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ACA Health Insurance Coverage Options in Michigan
Michigan uses the federal HealthCare.gov Marketplace for ACA health insurance. Review coverage options and enrollment information for Michigan residents.
The new 2027 plans become available November 1, 2026. Call 855-367-1095 now to get a sneak peek at the new plans before then, and we will have your options ready the day they open.
Medicaid is a government program that gives free or low-cost health coverage to people with limited income, such as some adults, children, pregnant women, seniors and people with disabilities. Each state runs its own Medicaid program and decides who qualifies. We are an independent insurance agency, and we cannot enroll you in Medicaid or check your Medicaid.
Michigan Medicaid: Michigan Department of Health and Human Services (MDHHS) · 1-855-276-4627 (MI Bridges phone application line) · michigan.gov/mdhhs/assistance-programs/medicaid
If your income is too high for Medicaid, or you want to compare health plans, call us. We can help with that.
Eligibility considerations
- No coverage available through an employer, Medicare, or Medicaid
- Interest in comparing Michigan Marketplace plans by metal tier
- Uncertainty about premium tax credit eligibility based on household income
Plan tiers
Lower monthly premium; higher cost-sharing when care is used.
The benchmark tier for subsidy calculations; the only tier eligible for additional cost-sharing reductions.
Higher monthly premium; lower cost-sharing at the point of care.
Michigan Medicaid and Marketplace information
- Medicaid expansion status
- Expanded (April 2014)
- Michigan Medicaid agency
- Michigan Department of Health and Human Services (MDHHS)
- ACA Marketplace
- HealthCare.gov (federal Marketplace)
If an ACA plan doesn't fit
Some Michigan residents earn too much for premium help, or missed the enrollment window, and feel they have no options. You may still have some.
Michigan counties: ACA open enrollment
Choose your county for the dates, Medicaid status and how to get help.
- Wayne County
- Oakland County
- Macomb County
- Kent County
- Genesee County
- Washtenaw County
- Ottawa County
- Ingham County
- Kalamazoo County
- Livingston County
- Saginaw County
- Muskegon County
- St. Clair County
- Jackson County
- Monroe County
- Berrien County
- Calhoun County
- Allegan County
- Eaton County
- Bay County
- Lenawee County
- Grand Traverse County
- Lapeer County
- Midland County
- Clinton County
- Van Buren County
- Montcalm County
- Shiawassee County
- Marquette County
- Ionia County
- Isabella County
- Barry County
- St. Joseph County
- Tuscola County
- Cass County
- Newaygo County
- Hillsdale County
- Branch County
- Gratiot County
- Mecosta County
- Sanilac County
- Houghton County
- Delta County
- Chippewa County
- Emmet County
- Wexford County
- Clare County
- Huron County
- Mason County
- Alpena County
- Oceana County
- Charlevoix County
- Cheboygan County
- Dickinson County
- Gladwin County
- Otsego County
- Manistee County
- Iosco County
- Antrim County
- Roscommon County
- Osceola County
- Leelanau County
- Menominee County
- Ogemaw County
- Kalkaska County
- Benzie County
- Missaukee County
- Arenac County
Common questions
How is ACA Marketplace coverage administered in Michigan?
Michigan uses HealthCare.gov (federal Marketplace) rather than a state-run exchange. Enrollment, plan comparison, and subsidy determinations run through the federal system.
Has Michigan expanded Medicaid under the ACA?
Yes. Michigan adopted Medicaid expansion, effective April 2014, extending eligibility to more low-income adults than the traditional Medicaid program covered.
Is there a cost to speak with a licensed agent?
No. Reviewing ACA Marketplace options by phone with a licensed agent has no cost. Any plan ultimately selected carries its own separate premium, determined by the plan and carrier, not by GetFastRates.com.
Questions are easier by phone.
Call 855-367-1095 to talk through your situation with licensed insurance help.
- Licensed insurance help
- No guaranteed eligibility, pricing, or availability
- Educational starting point
Information on this site is educational and does not guarantee eligibility, enrollment, pricing, or availability. It is not a recommendation to buy any specific plan or policy.