Health insurance in Michigan for 2027

For plan year 2027, these are the insurers that filed to sell on HealthCare.gov in Michigan and what they asked for. They’re requests, not approved prices. Michigan’s Department of Insurance and Financial Services (DIFS) labels its list as filed and subject to DIFS approval, and the approved column read “TBD” when I checked on September 18, 2026.

Three more insurers filed 2027 individual plans that won’t be sold on HealthCare.gov. The premium tax credit only applies to a plan bought through the marketplace.

An average is only an average. DIFS says individual changes vary by plan, age, where you live and tobacco use, and that “The 2027 tax credits will not be known until closer to the beginning of open enrollment on November 1, 2026.”

Michigan uses HealthCare.gov. For plan year 2027, CMS lists Michigan as a federally facilitated marketplace state. I help Michigan residents enroll through HealthCare.gov and HealthSherpa.

Pick a plan by December 15 and it starts January 1, 2027. CMS says a plan picked between December 16 and January 15 starts February 1.

The January 15 end date is contested. A 2025 federal rule would have closed the window on December 15. A federal court threw that part of the rule out in June 2026, the government appealed, and the appeals court hears argument on October 30, 2026. Until a court changes it, the dates above are the ones CMS and HealthCare.gov publish. My open enrollment guide follows the case.

The Healthy Michigan Plan is Michigan’s Medicaid expansion under the Affordable Care Act. Michigan’s health department says you can qualify if you:

• are 19 to 64,
• have income at or below 133% of the federal poverty level, counted the way the ACA counts income (called MAGI),
• don’t qualify for and aren’t enrolled in Medicare or another Medicaid program,
• aren’t pregnant when you apply, and
• live in Michigan.

HealthCare.gov notes that, because of how income is counted, the 133% limit works out to 138%.

If you qualify for the Healthy Michigan Plan, you can’t get the premium tax credit for a HealthCare.gov plan, because federal law doesn’t allow the credit for any month you’re eligible for Medicaid. You can apply any time of year: online at MI Bridges, by phone through the Michigan Health Care Helpline, or at your county MDHHS office. The helpline number is on MDHHS’s Healthy Michigan Plan page.

If you’re 19 to 64 and on the Healthy Michigan Plan, you’ll need to show work or another approved activity to keep your coverage, unless you’re exempt. You can meet it either way:

• earn at least $580 in at least one month during the review period, from a job or self-employment, or
• complete at least 80 hours of approved activities in one month: paid or unpaid work, an internship or work program, volunteering or community service, high school or GED classes, or college or vocational school. You can combine them.

When you apply, the month that counts is the month before you apply or the month you apply. When you renew, you need at least one month that meets it since your last renewal, or since your coverage started if it’s your first renewal.

Some people are exempt. MDHHS’s list includes people who are pregnant or gave birth in the past 12 months, parents or caregivers of a child 13 or under, caregivers of someone with a disability who needs help with daily activities, disabled veterans, American Indians and Alaska Natives, people already subject to SNAP work rules or meeting TANF work rules, and people in treatment for a substance use disorder. The full list is on MDHHS’s work requirements page.

MDHHS says you won’t lose coverage without a notice first. In its words: “If you do not meet work requirements, qualify for an exemption, or respond to notices from MDHHS, you will no longer qualify for Healthy Michigan Plan (HMP) coverage.” It also says you can get coverage back later by meeting the requirement or qualifying for an exemption. Its help line number is on the same page.

If you lose the Healthy Michigan Plan only because of the work requirement, don’t count on a HealthCare.gov plan with a tax credit instead. The federal law behind the requirement, passed in July 2025, counts you as still eligible for Medicaid when it decides who gets the credit.

Because Michigan expanded Medicaid, an adult here with income below the poverty line can qualify for the Healthy Michigan Plan, as long as the rules above fit.

As of CMS’s eligibility table dated December 1, 2023, four of the eight states I’m licensed in hadn’t expanded Medicaid to adults on income alone: Florida, Georgia, South Carolina and Texas.

In a state like that, HealthCare.gov says that if your income is below the poverty line and you don’t qualify for Medicaid under the state’s own rules, “you won’t qualify for either health insurance savings program: Medicaid coverage or savings on a private health plan bought through the Marketplace.” That’s because the tax credit starts at 100% of the poverty line: for 2027 coverage, $15,960 for one person, $21,640 for two, $27,320 for three and $33,000 for four. Georgia also has Georgia Pathways, a Medicaid program for adults 19 to 64 with income up to 100% of the poverty line who show at least 80 hours a month of work or other qualifying activities.