Molina provides the cheapest overall health insurance in Michigan, with an average monthly premium of $291. If Molina isn’t available in your area, Oscar, PriorityHealth, UnitedHealthcare and Ambetter provide solid alternative affordable health plans.
Cheapest Health Insurance in Michigan: Affordable Plans for 2025
Updated: November 6, 2025
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Key Takeaways
Molina offers Michigan's most affordable health insurance at a monthly cost of $401 for a Silver-tier HMO plan.
Oscar provides the cheapest EPO plan in Michigan at $420 per month, while Blue Cross Blue Shield offers the cheapest PPO plan at $658 monthly.
Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.
Most Affordable Health Insurance Companies in Michigan
| Molina | $401 | $4,810 | $8,563 |
| Oscar | $420 | $5,035 | $8,938 |
| UnitedHealthcare | $434 | $5,210 | $9,333 |
| Ambetter | $450 | $5,400 | $7,711 |
| Physicians Health Plan | $476 | $5,710 | $8,450 |
| PriorityHealth | $506 | $6,068 | $9,263 |
| Blue Cross Blue Shield | $563 | $6,753 | $8,890 |
| McLaren Health Advantage | $630 | $7,559 | $8,620 |
*These plans reflect rates for 40-year-olds who are not considered low-income.
Cheapest Overall Health Insurance Provider Michigan: Molina
Molina Healthcare
MoneyGeek Score:
97/ 100
Overview
Molina offers Michigan's most affordable Silver HMO coverage at $401 monthly, saving you about $89 compared to the state average. The company serves over 5.6 million members nationwide and specializes in government-sponsored health plans.
Your out-of-pocket costs max out at $8,563 annually, protecting you from catastrophic medical bills. Molina includes free virtual care through Teladoc, letting you connect with board-certified doctors 24/7 by phone or video from home. This saves you urgent care copays for minor issues like colds or infections.
Company's case managers are licensed registered nurses who work with your primary care doctor to coordinate ongoing medical care, home health services, and preventive care at no additional cost. If you've chronic conditions like asthma or diabetes, you receive personalized support through the disease management program. Molina Healthcare of Michigan serves over 340,000 members across six regions of lower Michigan, making it one of the state's fastest-growing plans.
Cheapest Michigan Health Insurance Plans by Profile
While we've summarized the cheapest companies for most in Michigan, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:
| Children (0-14) | Molina | $240 | $2,879 | $8,563 |
| Teens (18) | Molina | $286 | $3,436 | $8,563 |
| Young Adults (26) | Molina | $321 | $3,854 | $8,563 |
| People with Diabetes (40) | Molina | $401 | $4,810 | $8,563 |
| Adults (40) | Molina | $401 | $4,810 | $8,563 |
| Cheapest EPO (40) | Oscar | $420 | $5,035 | $8,938 |
| People needing Pain Management (40) | Physicians Health Plan | $476 | $5,710 | $8,450 |
| People with High BP & High Cholesterol (40) | Blue Cross Blue Shield | $563 | $6,753 | $8,890 |
| Cheapest PPO (40) | Blue Cross Blue Shield | $658 | $7,894 | $9,100 |
| Seniors (60) | Molina | $851 | $10,215 | $8,563 |
Cheapest Health Insurance Plans by County in Michigan
Molina offers the cheapest rates statewide. PriorityHealth provides affordable Silver plans in most counties. Check which company and plan cost least in your area below.
| Alcona | Ambetter | $318 | Clear Silver |
| Alger | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Allegan | PriorityHealth | $412 | MyPriority Premier Silver Corewell Health West Michigan Network |
| Alpena | Ambetter | $318 | Clear Silver |
| Antrim | PriorityHealth | $402 | MyPriority Premier Silver |
| Arenac | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Baraga | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Barry | PriorityHealth | $412 | MyPriority Premier Silver Corewell Health West Michigan Network |
| Bay | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Benzie | PriorityHealth | $402 | MyPriority Premier Silver |
| Berrien | Ambetter | $318 | Clear Silver |
| Branch | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Calhoun | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Cass | Ambetter | $318 | Clear Silver |
| Charlevoix | PriorityHealth | $402 | MyPriority Premier Silver |
| Cheboygan | Ambetter | $318 | Clear Silver |
| Chippewa | Ambetter | $318 | Clear Silver |
| Clare | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Clinton | Ambetter | $318 | Clear Silver |
| Crawford | Ambetter | $318 | Clear Silver |
| Delta | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Dickinson | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Eaton | Ambetter | $318 | Clear Silver |
| Emmet | PriorityHealth | $402 | MyPriority Premier Silver |
| Genesee | Ambetter | $318 | Clear Silver |
| Gladwin | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Gogebic | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Grand Traverse | PriorityHealth | $402 | MyPriority Premier Silver |
| Gratiot | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Hillsdale | Ambetter | $318 | Clear Silver |
| Houghton | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Huron | Ambetter | $318 | Clear Silver |
| Ingham | Ambetter | $318 | Clear Silver |
| Ionia | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Iosco | Ambetter | $318 | Clear Silver |
| Iron | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Isabella | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Jackson | Ambetter | $318 | Clear Silver |
| Kalamazoo | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Kalkaska | PriorityHealth | $402 | MyPriority Premier Silver |
| Kent | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Keweenaw | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Lake | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Lapeer | Ambetter | $318 | Clear Silver |
| Leelanau | PriorityHealth | $402 | MyPriority Premier Silver |
| Lenawee | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Livingston | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Luce | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Mackinac | Ambetter | $318 | Clear Silver |
| Macomb | Ambetter | $318 | Clear Silver |
| Manistee | PriorityHealth | $402 | MyPriority Premier Silver |
| Marquette | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Mason | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Mecosta | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Menominee | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Midland | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Missaukee | PriorityHealth | $402 | MyPriority Premier Silver |
| Monroe | Ambetter | $318 | Clear Silver |
| Montcalm | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Montmorency | Ambetter | $318 | Clear Silver |
| Muskegon | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Newaygo | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Oakland | Ambetter | $318 | Clear Silver |
| Oceana | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Ogemaw | Ambetter | $318 | Clear Silver |
| Ontonagon | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Osceola | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Oscoda | Ambetter | $318 | Clear Silver |
| Otsego | Ambetter | $318 | Clear Silver |
| Ottawa | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Presque Isle | Ambetter | $318 | Clear Silver |
| Roscommon | Ambetter | $318 | Clear Silver |
| Saginaw | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Sanilac | Ambetter | $318 | Clear Silver |
| Schoolcraft | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Shiawassee | Ambetter | $318 | Clear Silver |
| St. Clair | Ambetter | $318 | Clear Silver |
| St. Joseph | Ambetter | $318 | Clear Silver |
| Tuscola | Ambetter | $318 | Clear Silver |
| Van Buren | Ambetter | $318 | Clear Silver |
| Washtenaw | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Wayne | Ambetter | $318 | Clear Silver |
| Wexford | PriorityHealth | $402 | MyPriority Premier Silver |
How to Find the Cheapest Health Insurance in Michigan
Find affordable Michigan health insurance in five steps:
- 1Determine what coverage plan you need and can afford
Your coverage plan type and tier depend on your health and income. Calculate monthly premium budget based on your current health, injury risk and lifestyle factors like location and age.
- 2Find out your subsidy eligibility
People earning between $15,650 and $62,600 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($39,125) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.
- 3Consider federal programs if old enough
Over 65? Explore Medicare Advantage plans and Medicare Supplement plans for cheaper, more flexible coverage than traditional plans.
- 4Review prescription formularies
Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.
- 5Compare plans during Open Enrollment
Open Enrollment runs November 1 to January 15. Special Enrollment applies for job loss, divorce or childbirth. Compare coverage types, customer ratings, costs and provider networks.
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY
Apply at least five days before the deadline to avoid technical problems. Gather income verification, Social Security numbers and immigration documents before starting.
Most Affordable Health Insurance in Michigan: Bottom Line
Michigan's most affordable health insurance companies are Molina, Oscar, PriorityHealth, UnitedHealthcare, Blue Cross Blue Shield and Ambetter. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.
Cheap Michigan Health Insurance: FAQ
Below are frequently asked questions about finding affordable health insurance in Michigan:
What is the cheapest health insurance in Michigan?
Molina provides the most affordable health insurance in the state, with Silver plans as low as $401 for 40-year-olds. Additionally, you may find reasonable options with PriorityHealth, Ambetter, Oscar and UnitedHealthcare.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
How We Decided the Cheapest Health Insurance Companies in Michigan
We pulled data directly from the Centers for Medicare and Medicaid Services (CMS) for Michigan health insurance plans available to consumers aged 18, 26, 40, 50 and 60.
Our ranking approach: Plans with the lowest monthly premiums for 40-year-olds rank as cheapest overall. Most Michigan residents fall near this age bracket, simplifying comparisons.
Important tradeoff: Cheaper plans carry higher out-of-pocket maximums and deductibles. You'll pay less monthly but more when you need care.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.