Health insurance in Michigan, 2027
Michigan uses HealthCare.gov and expanded Medicaid, so the line between Medicaid and a tax credit is the number to know.
Last checked October 16, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
Michigan uses HealthCare.gov
Michigan does not run its own marketplace. You compare plans and apply for a tax credit on HealthCare.gov, or with a licensed agent who works with it.
For 2026 coverage, 497,064 Michiganders picked a Marketplace plan during open enrollment.1
- Marketplace
- HealthCare.gov
- 2026 plan selections
- 497,064
- Medicaid for adults
- Healthy Michigan Plan, up to 138% of the poverty level
The dates for 2027
Open enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027. Choose a plan by December 15 for coverage that starts January 1, 2027.2
- November 1, 2026Open enrollment for 2027 starts (key step)
- December 15Last day to choose a plan that starts January 1 (key step)
- January 15, 2027Open enrollment ends
- February 1, 2027Coverage starts for plans chosen December 16 to January 15
Heads up: Choose a plan after December 15 and it starts February 1, not January 1. If nothing else covers you in January, that is a month without coverage.
Medicaid or a tax credit: the 138% line
Michigan expanded Medicaid. Adults with income under 138% of the poverty level can qualify for the Healthy Michigan Plan; that is $22,025 for one person. Above that line, a Marketplace tax credit usually takes over, up to 4 times the poverty level.
Because the two programs meet at one number, a small change in your income estimate can move you from one to the other. Medicaid and the Marketplace check different months, so tell both about changes.3
New in 2027: Healthy Michigan Plan work rules
Who it affects: Healthy Michigan Plan members aged 19 to 64.
From January 1, 2027, many Healthy Michigan Plan members aged 19 to 64 need to meet new work requirements, or qualify for an exemption, to keep their coverage. Exemptions include pregnancy and the months after birth, some people with complex health needs and certain caregivers. Most members also move from yearly to six-month renewals.4
What to do: Open every letter from MDHHS, and call us if a renewal or work notice arrives.
A family of three
For a family of three, Medicaid for the adults reaches about $37,700 a year, and children qualify up to about $59,300 through Michigan’s Medicaid for children.35
Which insurers sell plans
Michigan’s 2027 Marketplace plans appear on HealthCare.gov on November 1, and the choices depend on your county.2
What to do: Send us your ZIP code, your doctors and your prescriptions. We check which plans in your county include them.
Help from a licensed agency
Our agency is licensed in Michigan, and we work with Michiganders by phone and video, from our Chicago office, a short drive from the state line. We compare the plans in your county and show you what to keep in mind on each one, at no cost to you.6
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.