By Heather Sprague, Licensed Health Insurance Agent · Reviewed by Michael Sprague, Licensed Health Insurance Agent · Updated November 5, 2026 Michigan open enrollment runs from November 1 to January 15 on HealthCare.gov. To have coverage start January 1, pick a plan by December 15. All seven Michigan insurers from last year are back for 2027. Still, prices before subsidies are up about 14.5%, so it pays to shop. For free help, call a licensed Vivna agent at 888-730-6031.

Key Takeaways

Pick a plan by December 15 for January 1 coverage, or by January 15 for February 1.
Seven insurers sell Michigan Marketplace plans for 2027, the same as 2026.
Ambetter from Meridian is adding counties in Michigan for 2027.
UnitedHealthcare and Meridian filed the largest increases, near 25%.
Adults under 138% of the poverty level can get the Healthy Michigan Plan.

In This Guide

Key dates and deadlines
What's changing in Michigan
How subsidies work now
How to enroll, step by step
If you miss the deadline
FAQs

Michigan Open Enrollment Dates and Deadlines

Michigan doesn't run its own exchange. Instead, residents shop on HealthCare.gov, which sets these dates.

Date	What happens in Michigan
November 1, 2026	Shopping opens for 2027 plans
December 15, 2026	Deadline for coverage that starts January 1
January 15, 2027	Last day to enroll; coverage starts February 1

Waiting past December 15 can leave you without coverage for January. So plan to finish early, especially if you need to switch insurers. Our open enrollment health insurance guide explains the national changes, and our open enrollment checklist lists what to gather.

What's Changing in the Michigan Marketplace

Michigan's insurer lineup is steady this year. That follows a rough 2026, when HAP CareSource, Molina and UM Health Plan left the exchange.

Insurers Selling Plans for 2027

Ambetter from Meridian
Blue Care Network of Michigan
Blue Cross Blue Shield of Michigan
McLaren Health Plan
Oscar
Priority Health
UnitedHealthcare Community Plan

Coverage areas differ by county, so your choices may be shorter than this list. Meanwhile, Centene says Ambetter is adding Michigan counties for 2027, according to Healthcare Dive.

Rate Changes by Insurer

Michigan's individual market rates rise about 14.5% on average before subsidies. Here is what each insurer requested, per healthinsurance.org.

Insurer	Requested average change
Priority Health	+11.1%
Oscar	+11.9%
Blue Care Network	+12.5%
Blue Cross Blue Shield of Michigan	+12.9%
McLaren	+16.3%
Meridian (Ambetter)	+24.4%
UnitedHealthcare	+25.5%

Because of these gaps, last year's best value may not win again. For example, a plan that rose 25% could now cost more than a rival's. That is why auto-renewing without a look can cost you. Read what to check before your plan renews first.

See Every Michigan Plan in Your CountyA licensed Vivna agent can compare Ambetter, Oscar and UnitedHealthcare plans with you in minutes, free. Call 888-730-6031 or request a free quote online.

How Subsidies Work in Michigan Now

Michigan expanded Medicaid through the Healthy Michigan Plan. As a result, adults who earn up to 138% of the poverty level usually qualify for it. Above that line, Marketplace tax credits help pay your premium. In 2026, subsidized Michigan enrollees paid about $127 a month on average. Also, about 38% got cost sharing reductions on silver plans. However, the 400% income cap returned after the extra federal help expired.

Household size	138% (Healthy Michigan line)	400% (subsidy cap)
1 person	$22,025	$63,840
2 people	$29,863	$86,560
3 people	$37,702	$109,280
4 people	$45,540	$132,000

Based on 2026 federal poverty guidelines used for 2027 coverage. Just over the cap? Lowering your taxable income can bring the credit back. Our guide to the ACA subsidy cliff walks through how.

How to Enroll in a Michigan Marketplace Plan, Step by Step

Collect your paperwork. Have Social Security numbers, pay stubs or tax returns, and your plan ID ready.
Project your 2027 income. Include everyone in your tax household.
Open your HealthCare.gov application or call an agent. Update every answer, even if nothing changed.
Review your renewal notice. Note your new premium and any network changes.
Compare plans side by side. Weigh the premium, deductible, drug list and hospital network.
Choose by December 15. Then pay the first bill so your plan starts January 1.

In Michigan, Vivna works with Ambetter, Oscar and UnitedHealthcare. Visit our Michigan health insurance page for plan types. Our Michigan health insurance FAQs answer more questions.

If You Miss the Michigan Open Enrollment Deadline

After January 15, Marketplace plans require a qualifying life event. Common ones include losing job coverage, getting married or moving. See our special enrollment period guide for the full list. No life event? Then consider short-term health insurance from UnitedHealthcare, which Vivna sells in Michigan. It can bridge a gap, though it is not ACA coverage. Call 888-730-6031 to compare options.

Michigan Open Enrollment FAQs

When does open enrollment end in Michigan?

It ends January 15, 2027. However, you must enroll by December 15 for a January 1 start.

Is Molina still selling Marketplace plans in Michigan?

No. Molina left the Michigan exchange at the end of 2025, along with HAP CareSource.

Who qualifies for the Healthy Michigan Plan?

Adults 19 to 64 with income up to 138% of the poverty level can usually qualify. You can apply any time of year.

Does a licensed agent cost extra?

No. Vivna's help is free, and you pay the same premium as buying direct.

Next Steps for Michigan Open Enrollment

First, read your renewal notice for the new price. Next, update your income on HealthCare.gov. Then compare plans before December 15. Call 888-730-6031 and a licensed agent will walk you through it.

Sources

Related Guides

About the author: Heather Sprague Heather is the owner and agent of record at Vivna Insurance, a licensed independent agency in Deerfield Beach, Florida. She helps families and self-employed workers compare marketplace, short-term and supplemental plans. Licensed health insurance agent, Vivna Insurance (Agency NPN 19168641). Call 888-730-6031. Reviewed by Michael Sprague, licensed health insurance agent.

Vivna Insurance is a licensed independent agency, not a government website, and is not HealthCare.gov. Our help is free; we are paid by the insurance companies we work with. Plan availability, rates and savings vary by county and income.

Michigan Open Enrollment: Dates, Rate Changes and How to Enroll