Michigan Health Insurance 2026
Your complete guide to health insurance options in Michigan — Medicaid eligibility, ACA Marketplace plans, enrollment deadlines, and key resources.
Michigan at a Glance
What You Need to Know
- →Michigan expanded Medicaid in 2014 as the 'Healthy Michigan Plan'
- →Over 700,000 Michiganders covered under the expansion
- →Michigan uses healthcare.gov for Marketplace enrollment
- →No state individual mandate penalty
How to Enroll
Frequently Asked Questions
What is the Healthy Michigan Plan?
The Healthy Michigan Plan is Michigan's Medicaid expansion program, launched in April 2014. It covers adults ages 19–64 who earn up to 138% of the Federal Poverty Level (approximately $20,783/year for a single person in 2026) and who are not eligible for Medicare or other Medicaid. More than 700,000 Michiganders have enrolled.
How do I apply for Healthy Michigan Plan or Medicaid?
Apply online at benefitseligibility.michigan.gov, by phone at 1-855-275-6424, or in person at your local Department of Health and Human Services office. Medicaid enrollment is year-round — no waiting for Open Enrollment.
Where do Michigan residents buy ACA Marketplace plans?
Michigan residents use the federal marketplace at healthcare.gov during Open Enrollment (November 1 – January 15). Subsidies are available for individuals earning between 100–400% FPL. If you qualify for the Healthy Michigan Plan, Medicaid is typically the better option as it has lower or no cost-sharing.