Health Insurance Cost in Michigan

Health insurance premiums in Michigan vary by household size and plan type. Single coverage averages $460, while family plans average $1,260 monthly.

Premium Ranges by Household Size

Single Person

Monthly premium

Low End:$305

Average:$460

High End:$690

Couple

Monthly premium

Low End:$610

Average:$920

High End:$1,380

Family of 4

Monthly premium

Low End:$915

Average:$1,260

High End:$1,880

Health Insurance in Michigan: Key Facts

Where to Buy

For ACA-compliant plans and subsidies, residents use HealthCare.gov.

Major Carriers

Common insurers in the state include:

Blue Cross Blue Shield of MichiganPriority HealthMcLarenOscar

Detailed Cost Breakdowns

Single Person Coverage

Monthly premiums range from $305 to $690

View details →

Couple Coverage

Monthly premiums range from $610 to $1,380

View details →

Family of 4 Coverage

Monthly premiums range from $915 to $1,880

View details →

Related Resources

ACA subsidy examples for Michigan
See how subsidies can reduce your monthly premium
Income limits for ACA subsidies
Check if you qualify for financial assistance
Medical procedure costs in Michigan
Understand out-of-pocket costs for common procedures

Information Sources

Sources & Disclaimer

Sources:

HealthCare.gov — Official ACA marketplace information and plan data
CMS Public Use Files — Federal marketplace enrollment and premium data
KFF Health Reform Analysis — Independent analysis of marketplace premium trends

Last Updated: January 2026

Disclaimer: The information provided is for educational purposes only. Actual costs vary based on individual circumstances, location, age, plan selection, and other factors. Always verify current information with official sources or licensed professionals. This site does not sell insurance or provide medical advice and is not affiliated with any insurance company or healthcare provider.