Health insurance in Michigan

ACA & Obamacare plans in Michigan

Michigan residents shop for Affordable Care Act plans through HealthCare.gov, the federal Health Insurance Marketplace. Open Enrollment for 2027 coverage runs from November 1, 2026 to January 15, 2027, and you need to enroll by December 15, 2026 for coverage that starts January 1. Outside Open Enrollment, a qualifying life event such as losing job-based coverage, moving, getting married, or having a baby can let you enroll.

Michigan expanded Medicaid under the Affordable Care Act. Adults with household income up to 138% of the federal poverty level may qualify for Medicaid instead of a Marketplace plan. If your income is above that, you may qualify for premium tax credits that lower the cost of a Marketplace plan. Your advisor can help you figure out which applies to you.

Every ACA plan sold in Michigan covers essential health benefits, and plans can’t turn you down or charge you more for a pre-existing condition. Learn how ACA plans work.

Medicare in Michigan

If you’re turning 65 in Michigan, your Initial Enrollment Period starts three months before your birthday month. Already on Medicare? The Annual Enrollment Period runs October 15 to December 7 each year, when you can switch Medicare Advantage and Part D plans for the coming year.

Our advisors compare Medicare Advantage, Medicare Supplement, and Part D plans available in your part of Michigan, based on your doctors and prescriptions. For free, unbiased counseling, you can also contact Michigan’s State Health Insurance Assistance Program through shiphelp.org. Learn about Medicare options.

Coverage we help Michigan residents compare

Serving all of Michigan

We help individuals, families, and seniors across Michigan, including Detroit, Grand Rapids, Warren, and Lansing, and in smaller towns and rural communities throughout the state. Everything happens by phone and online, so you get the same help wherever you live.

Michigan health insurance questions