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 small business benefits brokers 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 866-645-8540Small business 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