Explore the best health insurance plans in Michigan. See options for families, individuals, and short-term coverage. Pick a plan that works for you. Enter your Michigan zip code to get started.
Each state, including Michigan, has its own Department of Insurance. This means health insurance plans, rates, and coverage rules can differ based on local laws and the economy. Some states offer more affordable or low-cost options than others. Before choosing a family, individual, or short-term health insurance plan in Michigan, know your available options and requirements.
AHiX Makes it Easy
Match with plans that include your doctors and the coverage you care about most.
Chat or talk with a licensed AHiX advisor — no pressure, just answers.
Get the same plans and prices you’d find from top insurers — with no fees or obligations.
Our advisors help you choose what’s best for you, not what pays us more.
Choosing the best health insurance in New Michigan starts with knowing what matters most to you. Whether you’re looking for individual, family, or short-term health insurance, understanding your needs can help you find a plan that offers both coverage and value. Here are key factors to guide your decision:
Think about the medical services you use most. Do you visit doctors regularly, need specialist care, or take prescription drugs? Pick a New Michigan health plan that matches your typical healthcare usage.
Review both your monthly premiums and out-of-pocket costs. A lower premium might look appealing, but a plan with a higher premium could be more affordable overall if you use health services frequently.
Check that your preferred doctors, clinics, and hospitals are included in the plan’s network. In-network providers help reduce your costs and avoid unexpected bills.
Some New Michigan health insurance plans include additional perks like wellness programs, virtual doctor visits (telemedicine), or mental health support—features that can boost both value and convenience.
Individual health insurance in Michigan helps you get coverage for yourself or your family if you don’t have an employer plan. Michigan individual health insurance options vary based on age, coverage level, and location. You can compare affordable individual medical insurance through private exchanges like AHiX Marketplace or directly with health insurance providers.
For an ACA-qualified individual health insurance plan in Michigan, the average monthly premium (for age 40, ZIP code 49316) is about:
Single adult
Married Couple
While qualified individual health insurance plans offer full coverage, they can cost more. If you want to save on individual medical insurance in Michigan, you can also look at non-qualified individual plans. These plans often have lower premiums but still provide essential protection. This makes them a good option for affordable individual or family health insurance in Michigan.
Michigan Family health insurance is ideal for households with a spouse and dependents. You can get a qualified family health insurance plan through a private exchange like AHiX Marketplace, directly from an insurance company, or through your employer’s coverage. Medicare is for seniors 65 and older, so it isn’t a good fit for most families.
If your family income is under 138% of the federal poverty level, you may qualify for Medicaid in Michigan, which can help you find affordable family health coverage. For an ACA-qualified family plan (age 40, with kids under 26), average monthly premiums are:
Married couple with one child
Married couple with two children
Married couple with three children
If you need more flexible or affordable family coverage, you can explore other private health insurance options that may have lower premiums but still protect your family’s essential needs.
Short-term health insurance in Michigan is a type of private health insurance that provides temporary coverage when you’re between employer plans or waiting for a qualified health plan to begin. It’s an affordable option for individuals and families who need quick, flexible health coverage for a few months.
New federal rules starting September 2024 limit short-term health insurance plans in Michigan to no more than four months, including any renewals. If you still need health insurance after four months, you’ll need to buy a new policy.
AHiX Marketplace makes it simple to compare short-term medical insurance options in Michigan. You can enroll online and choose from multiple trusted short-term health plan providers to find the best temporary health coverage for your needs.
| Plan Type | Monthly Premium | Deductible | Ideal For | Coverage Description |
|---|---|---|---|---|
| Bronze | $ | $$$$ | Individuals who need minimal coverage or primarily emergency services | Bronze plans offer basic coverage with the lowest monthly premiums but come with higher out-of-pocket costs. Suitable for younger, healthier individuals who expect low healthcare usage. |
| Silver | $$ | $$$ | Individuals who need a balance between premium cost and healthcare usage | Silver plans provide a balance between premium costs and out-of-pocket expenses. These plans are ideal for those who use healthcare services occasionally and want moderate coverage. |
| Gold | $$$ | $$ | Individuals who expect regular healthcare needs | Gold plans have higher monthly premiums but lower out-of-pocket costs, making them suitable for people with frequent healthcare needs. |
| Platinum | $$$$ | $ | Individuals with extensive healthcare needs | Platinum plans offer the most comprehensive coverage with the highest premiums but the lowest Cost-sharing, perfect for individuals or families requiring extensive healthcare services. |
When enrolling in a health insurance plan in Michigan, it’s important to understand what out-of-pocket costs may apply. While your monthly premium gives you access to medical coverage, you may still be responsible for certain healthcare costs.
A deductible is the amount you must pay before your health insurance begins covering costs. It resets each plan year. Some services may be covered before meeting the deductible.
A copay is a fixed fee you pay for a doctor visit, prescription, or procedure. It’s typically required after meeting your health insurance deductible.
This is the most you’ll pay in a year for deductibles, copays, and coinsurance. Once you reach this amount, your plan covers 100% of covered medical costs.
Coinsurance is the percentage you pay for care after meeting your deductible. Your health plan covers the rest of the approved amount.
Consider the following statistics about healthcare coverage in Michigan.
Total Michigan Population
Uninsured Michigan Residents
Michigan HMO Enrollment
Annual Employee Premium in Michigan
Hospital Costs in Michigan before Insurance
Health insurance helps protect you from big medical bills and ensures you get the care you need. Each plan explains what services are covered and how costs are shared between you and the insurance company, making healthcare more affordable.
Explore Health Plans
Affordable dental and vision insurance covers routine cleanings, eye exams, fillings, and prescription lenses. It ensures regular care, lowers out-of-pocket expenses, and makes essential health services affordable and accessible for everyone.
Browse Dental Plans
Short-term health insurance offers temporary coverage for people between plans, like seasonal workers or new employees waiting for group benefits. These affordable plans are simple to enroll in and provide basic care until long-term options are ready.
Find Short-Term Health PlansState of Michigan health insurance includes ACA-qualified plans through HealthCare.gov and the Michigan Health Insurance Marketplace, along with private health insurance plans for more flexible coverage.
We offer a broad selection of private health insurance plans in Michigan for individuals and families. If you’re trying to stay within budget while finding the right coverage, then you already know that it can be an overwhelming process. The good news is that QA3 TEST SITE can do the work of searching for the right plan for you. QA3 TEST SITE is an affordable exchange where you can browse for qualified and non-qualified plans so you can find the right coverage at the right price. Find your new policy today.
