At $499 monthly on average, Oscar offers Michigan's cheapest health insurance, undercutting statewide rates by $135. Second-lowest pricing comes from UnitedHealthcare at $539 monthly (providing $95 in cost reduction), followed by Ambetter at $554 (offering $80 savings).
Cheapest Health Insurance in Michigan: Affordable Plans for 2026
Updated: December 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Oscar, UnitedHealthcare and Ambetter have the cheapest health insurance in Michigan, with average monthly rates ranging from $499 to $554.
Oscar offers the most affordable health insurance in Michigan across EPO plans ($499 monthly). Coverage for children averages $283 monthly, teens $337, young adults $378, adults $472 and seniors $1,003. Ambetter leads for HMO plans ($472) and Blue Cross Blue Shield for PPO plans ($810).
Cheapest Health Insurance Providers in Michigan
| Oscar | $499 | $135 | $5,988 | $1,620 |
| UnitedHealthcare | $539 | $95 | $6,468 | $1,140 |
| Ambetter | $554 | $80 | $6,648 | $960 |
| Blue Care Network Of Michigan | $623 | $11 | $7,476 | $132 |
| Mclaren Health Plan Community | $649 | $15 | $7,788 | $180 |
| Priority Health | $716 | $82 | $8,592 | $984 |
| Blue Cross Blue Shield | $748 | $114 | $8,976 | $1,368 |
*Average monthly costs represent the mean of all plan rates for each provider in Michigan, rounded to the nearest dollar. Monthly savings show the cost difference between each provider's average rate and the statewide benchmark.
Oscar
MoneyGeek Rating
5/ 5
5/5Affordability
5/5Deductible
5/5MOOP
Avg. Monthly Rate
$499Avg. MOOP
$6454Avg. Deductible
$3319
Most Affordable Michigan Health Insurance By Category
Premium amounts change based on age, plan structure and metal level. Evaluate monthly costs alongside deductible requirements and maximum annual expenses to identify the best health insurance provider in Michigan.
Throughout Michigan's age demographics, Ambetter has the most competitive pricing. Lower monthly payments mean accepting elevated deductibles ($3,483 average) and higher out-of-pocket maximums ($5,188 average).
| Children | Ambetter | $283 | $3,392 | $5,188 | $3,483 |
| Teens | Ambetter | $337 | $4,048 | $5,188 | $3,483 |
| Young Adults | Ambetter | $378 | $4,541 | $5,188 | $3,483 |
| Adults | Ambetter | $472 | $5,667 | $5,188 | $3,483 |
| HMO | Ambetter | $472 | $5,667 | $5,188 | $3,483 |
| EPO | Oscar | $473 | $5,673 | $5,698 | $3,088 |
| With Health Savings Account Elligibility | Blue Cross Blue Shield | $790 | $9,483 | $6,917 | $3,867 |
| PPO | Blue Cross Blue Shield | $810 | $9,720 | $4,678 | $2,167 |
| Seniors | Ambetter | $1,003 | $12,035 | $5,188 | $3,483 |
*These are average rates for all plan types and metal levels, with teens at 18, young adults at 26, adults at 40 and seniors at 60. For plan type costs, we used average rates for 40-year-olds.
Most Affordable Michigan Health Insurance By Metal Level
Oscar leads Expanded Bronze coverage at $372 monthly and Gold at $510 for 40-year-olds. UnitedHealthcare has the cheapest Bronze plans at $404 monthly, Blue Care Network Of Michigan offers the most affordable Catastrophic coverage at $420, and Ambetter provides Silver plans at $472. Platinum-tier options aren't available in Michigan.
| Expanded Bronze | Oscar | $372 | $4,464 | $7,313 | $4,575 |
| Bronze | UnitedHealthcare | $404 | $4,854 | $7,950 | $7,950 |
| Catastrophic | Blue Care Network Of Michigan | $420 | $5,037 | $10,600 | $10,600 |
| Silver | Ambetter | $472 | $5,667 | $5,188 | $3,483 |
| Gold | Oscar | $510 | $6,119 | $6,300 | $1,500 |
Cheap Michigan Health Insurance: Personalized Picks
Browse Michigan health insurance options by selecting age group, coverage type and benefit level to locate rates for your situation.
Data filtered by:
HMO
Silver
40
No
| Ambetter | Clear Silver | $464 | HMO | Silver | $4,250 | $4,250 | 40 | No |
| Ambetter | Standard Silver | $468 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Ambetter | Standard Silver + Vision + Adult Dental | $485 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| Blue Care Network Of Michigan | Blue Cross® Local Hmo Silver Saver | $505 | HMO | Silver | $4,621 | $3,229 | 40 | No |
| UnitedHealthcare | Uhc Silver Value (No Referrals) | $531 | HMO | Silver | $5,936 | $2,243 | 40 | No |
| UnitedHealthcare | Uhc Silver Standard (No Referrals) | $534 | HMO | Silver | $5,657 | $3,100 | 40 | No |
| UnitedHealthcare | Uhc Silver Advantage (No Referrals) | $538 | HMO | Silver | $6,271 | $1,821 | 40 | No |
| UnitedHealthcare | Uhc Silver Value+ (Dental + Vision, No Referrals) | $549 | HMO | Silver | $5,936 | $2,243 | 40 | No |
| UnitedHealthcare | Uhc Silver Advantage+ (Dental + Vision, No Referrals) | $556 | HMO | Silver | $6,271 | $1,821 | 40 | No |
| Priority Health | Mypriority Balanced Silver Southeast Michigan Network | $562 | HMO | Silver | $5,343 | $2,036 | 40 | No |
How to Get Cheap Health Insurance in Michigan
Michigan health insurance costs differ across insurers and plan types. Use these tips to buy low-cost coverage for your health care requirements.
- 1Look Beyond Bronze Plans
Don't default to the cheapest Bronze or Catastrophic plan. Silver and Gold plans provide better value when you factor in lower deductibles and out-of-pocket costs, especially if you need regular medical care.
- 2Assess Your Medical Spending
Review last year's health care spending. If you only visited the doctor twice and didn't need prescriptions, a high-deductible plan saves money. For example, if you spent $500 last year on two routine doctor visits and one urgent care trip, a Bronze plan with a $6,000 deductible might save you $150 monthly compared to a Gold plan.
- 3Explore HMO Options
HMO plans cost less than PPO options in Michigan. You'll need to stay within the provider network, but Ambetter and other HMO providers save you $100 or more monthly.
- 4Verify Subsidy Eligibility
Premium tax credits from the Health Insurance Marketplace reduce your monthly costs based on your income. Even middle-income families qualify for assistance. Check your eligibility before purchasing a plan.
- 5Time Your Purchase Right
Open enrollment runs from November 1 to January 15 each year. Missing this window means waiting until next year unless you qualify for a special enrollment period due to major life changes like marriage, birth or job loss.
Cheapest Health Insurance in Michigan: Bottom Line
Oscar is the cheapest health insurance provider in Michigan, followed by UnitedHealthcare and Ambetter. Compare rates from all three insurers across metal tiers and plan types to find your lowest cost.
Affordable Health Insurance in Michigan: FAQ
We answer common questions about health insurance in Michigan:
How do I get cheap health insurance in Michigan?
Shop during open enrollment (November 1 to January 15) and compare plans from Oscar, UnitedHealthcare and Ambetter across multiple metal tiers. Check your eligibility for premium tax credits through the Health Insurance Marketplace. HMO plans cost less than PPO options in Michigan.
How much does health insurance cost in Michigan?
Health insurance in Michigan costs an average of $651 monthly ($7,814 annually) across all plan types and metal levels. Monthly rates range from $207 to $2,114 depending on your age, coverage tier and plan type.
Does Michigan require health insurance?
Michigan doesn't require health insurance. The federal individual mandate penalty ended in 2019, so you won't face tax penalties for going uninsured. Coverage provides financial protection from high medical costs and covers preventive care and treatment.
Our Methodology
Comparing health insurance in Michigan means sorting through multiple providers with different rate structures across age groups and plan types. We analyzed every available plan from federal marketplace data to identify which insurers offer the lowest premiums for Michigan residents.
Research Approach
We collected premium data for five ages: 18, 26, 40, 50 and 60. These ages show how rates change from young adult coverage through near-Medicare eligibility, revealing the full cost range Michigan residents face at different life stages.
Why We Focus on 40-Year-Olds
Our primary affordability rankings use 40-year-old rates because this age sits at the midpoint of the working-age population in Michigan. Using one consistent age removes variables and provides clear comparisons across providers without age distorting the results.
Age-Specific Rankings
We also ranked insurers separately at each age bracket. A provider that's cheapest for young adults might not be most affordable for someone near 60, so these age-specific rankings help you find the best rate for your life stage.
All data comes from federal sources and covers metal tiers and plan types available to Michigan residents through the Health Insurance Marketplace.
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About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.