Before subsidies, the average benchmark silver plan for a 40-year-old in Michigan costs $595 a month for 2027, against a national average of $704. Premium tax credits lower that for many households.
This page lists top-rated local agencies across Michigan by city. Every listing shows distance and address, and every city page explains local plan costs. For a side-by-side comparison of carriers, call 866-645-8540 to reach a licensed agent.
How health insurance works in Michigan
People in Michigan buy marketplace coverage through HealthCare.gov. Open enrollment runs from November 1 through January 15. Healthy Michigan Plan covers adults with income up to 138% of the poverty level. For 2027, marketplace plans in Michigan come from 7 insurers: Blue Cross Blue Shield of Michigan, Blue Care Network, Priority Health, Oscar Health, McLaren Health Plan, Meridian (Ambetter) and UnitedHealthcare Community Plan. Not every insurer sells in every county. Short-term health plans are sold with state limits on how long they can last (up to 185 days initially). They are not ACA-compliant coverage.
Agent licensing in Michigan
- The Michigan Department of Insurance and Financial Services (DIFS) licenses insurance agents and regulates insurers in the state. Consumers can file a complaint with DIFS online, including about an agent who is not properly licensed. Source
- Michigan consumers can check whether an agent is licensed using the DIFS Locator, the department's online search for resident and nonresident producers, counselors and solicitors. Source
- In Michigan, health coverage is sold under the producer license's Accident & Health line of authority, which Michigan pairs with life as "Life, Accident & Health." Source
Free enrollment help in Michigan
HealthCare.gov Marketplace assisters: CMS-funded Navigator organizations plus Certified Application Counselors, who give free, impartial help applying and enrolling; consumers search for nearby help with the HealthCare.gov Find Local Help tool. You can search for in-person help on the official find-help page. If you'd rather have someone compare plans and recommend one, a licensed agent can do that at no cost to you.
Licensed agents can quote plans from multiple Michigan carriers in one call.
Call 866-645-8540Health insurance by city in Michigan
- Adrian
- Albion
- Allegan
- Allen Park
- Allendale
- Alma
- Alpena
- Ann Arbor
- Auburn Hills
- Battle Creek
- Bay City
- Beecher
- Belding
- Benton Harbor
- Berkley
- Berrien Springs
- Beverly Hills
- Big Rapids
- Birmingham
- Bridgeport
- Brighton
- Buena Vista
- Burton
- Byron Center
- Cadillac
- Center Line
- Charlotte
- Chelsea
- Clare
- Clawson
- Coldwater
- Comstock Northwest
- Comstock Park
- Cutlerville
- Dearborn
- Dearborn Heights
- Detroit
- Dowagiac
- East Grand Rapids
- East Lansing
- Eastpointe
- Eastwood
- Eaton Rapids
- Ecorse
- Escanaba
- Fair Plain
- Farmington
- Farmington Hills
- Fenton
- Ferndale
- Flat Rock
- Flint
- Flushing
- Forest Hills
- Frankenmuth
- Fraser
- Freeland
- Garden City
- Gaylord
- Goodrich
- Grand Blanc
- Grand Haven
- Grand Ledge
- Grand Rapids
- Grandville
- Greenville
- Grosse Pointe
- Grosse Pointe Farms
- Grosse Pointe Park
- Grosse Pointe Woods
- Hamtramck
- Harper Woods
- Haslett
- Hastings
- Hazel Park
- Highland Park
- Hillsdale
- Holland
- Holly
- Holt
- Houghton
- Howell
- Hudsonville
- Huntington Woods
- Inkster
- Ionia
- Iron Mountain
- Ironwood
- Ishpeming
- Jackson
- Jenison
- Kalamazoo
- Kentwood
- Lake Fenton
- Lambertville
- Lansing
- Lapeer
- Laurium
- Lincoln Park
- Livonia
- Lowell
- Ludington
- Madison Heights
- Manistee
- Marquette
- Marshall
- Marysville
- Mason
- Melvindale
- Menominee
- Midland
- Milan
- Milford
- Monroe
- Mount Clemens
- Mount Pleasant
- Muskegon
- Muskegon Heights
- New Baltimore
- Niles
- Northview
- Northville
- Norton Shores
- Novi
- Oak Park
- Okemos
- Otsego
- Owosso
- Paw Paw
- Petoskey
- Plymouth
- Pontiac
- Port Huron
- Portage
- Portland
- Richmond
- River Rouge
- Riverview
- Rochester
- Rochester Hills
- Rockford
- Romulus
- Roseville
- Royal Oak
- Saginaw
- Saline
- Sault Ste. Marie
- Shields
- South Haven
- South Lyon
- South Monroe
- Southfield
- Southgate
- Springfield
- St. Clair
- St. Clair Shores
- St. Johns
- St. Joseph
- St. Louis
- Sterling Heights
- Sturgis
- Swartz Creek
- Taylor
- Tecumseh
- Temperance
- Three Rivers
- Traverse City
- Trenton
- Troy
- Utica
- Walker
- Walled Lake
- Warren
- Waverly
- Wayne
- Westland
- Westwood
- Whitehall
- Whitmore Lake
- Williamston
- Wixom
- Woodhaven
- Wyandotte
- Wyoming
- Ypsilanti
- Zeeland