Ambetter is the best health insurance company in Michigan. UnitedHealthcare, McLaren Health Plan Community, Blue Care Network of Michigan and Priority Health are the top providers in the state.
Best Health Insurance in Michigan (2026)
Updated: December 23, 2025
Advertising & Editorial Disclosure
Key Takeaways
Ambetter provides the best health insurance coverage by balancing monthly premiums, deductibles and maximum out-of-pocket costs.
Ambetter offers the cheapest health insurance in Michigan, though its deductibles are high compared to other providers.
Compare quotes from multiple Michigan insurers, evaluate provider networks and coverage limits and verify your preferred doctors participate in the plan.
Best Health Insurance Companies in Michigan
| Ambetter | $472 | $5,188 | $3,483 | 4.5 | Clear Silver |
| UnitedHealthcare | $542 | $6,014 | $2,246 | 4.3 | Uhc Silver Value (No Referrals) |
| Mclaren Health Plan Community | $735 | $5,686 | $2,307 | 4.1 | Mhp Silver Exchange Rewards |
| Blue Care Network Of Michigan | $668 | $5,356 | $3,073 | 4.0 | Blue Cross® Local Hmo Silver Saver |
| Priority Health | $659 | $5,608 | $2,787 | 4.0 | Mypriority Balanced Silver Southeast Michigan Network |
*Our picks are the best health insurance options for 40-year-olds looking for Silver-tier HMO plans.
Ambetter
MoneyGeek Rating
4.5/ 5
5/5Affordability
2.5/5Deductible
5/5MOOP
Average Monthly Rate
$472Average MOOP
$5,188Average Deductible
$3,483
UnitedHealthcare
MoneyGeek Rating
4.3/ 5
4.7/5Affordability
5/5Deductible
2.5/5MOOP
Average Monthly Rate
$542Average MOOP
$6,014Average Deductible
$2,246
McLaren Health Plan Community
MoneyGeek Rating
4.1/ 5
4.2/5Affordability
4.8/5Deductible
3.1/5MOOP
Average Monthly Rate
$735Average MOOP
$5,686Average Deductible
$2,307
Best Health Insurance in Michigan by Category
Health insurance costs in Michigan change based on your age, plan type and coverage level. Silver-tier premiums range from $337 to $1,720 per month across different demographics.
By Age:
- Teens (18): Ambetter HMO plans cost $337 monthly, Oscar EPO plans cost $338, and Blue Cross Blue Shield PPO plans cost $579.
- Young adults (26): Ambetter offers HMO coverage for $378 per month. Oscar charges $379 for EPO plans, while Blue Cross Blue Shield PPO coverage costs $649.
- Adults (40): Ambetter HMO plans cost $472 per month, Oscar EPO plans cost $473, and Blue Cross Blue Shield PPO plans cost $810.
- Seniors (60): Ambetter charges $1,003 monthly for HMO plans, Oscar charges $1,004 for EPO coverage, and Blue Cross Blue Shield charges $1,720 for PPO plans.
By Plan Type:
- PPO: Blue Cross Blue Shield dominates Michigan's PPO market, charging 40-year-olds $810 monthly with a $2,167 deductible and $4,678 MOOP.
- HMO: Ambetter provides affordable HMO coverage for 40-year-olds at $472 monthly with a $3,483 deductible and $5,188 MOOP.
• EPO: Oscar charges 40-year-olds $473 monthly with a $3,088 deductible and $5,698 MOOP.
All rates are averages based on Silver plans for the given category.
Compare Michigan Health Insurance Providers
Premiums, deductibles and MOOP costs differ among Michigan insurers. Filter results by age, metal level, plan type and HSA eligibility to find suitable options.
Data filtered by:
HMO
Silver
40
No
| Ambetter | $472 | HMO | Silver | $5,188 | $3,483 | 40 | No |
| UnitedHealthcare | $542 | HMO | Silver | $6,014 | $2,246 | 40 | No |
| Mclaren Health Plan Community | $735 | HMO | Silver | $5,686 | $2,307 | 40 | No |
| Blue Care Network Of Michigan | $668 | HMO | Silver | $5,356 | $3,073 | 40 | No |
| Priority Health | $659 | HMO | Silver | $5,608 | $2,787 | 40 | No |
How to Choose the Best Health Insurance in Michigan
Choosing health insurance in Michigan means weighing premiums against deductibles, network access and coverage limits.
- 1Assess Your Healthcare Needs
Review your current medications, planned procedures and how often you visit doctors to determine which coverage level makes sense. Past medical expenses help predict future costs and guide your deductible choice. Consider chronic conditions or upcoming surgeries that may require specialized care in Detroit, Grand Rapids or other Michigan cities.
- 2Compare Multiple Insurance Quotes
Request rates from at least three Michigan health insurance companies to spot price differences and coverage variations. Companies like Blue Cross Blue Shield of Michigan, Priority Health and Molina Healthcare offer different rates for identical coverage. Compare monthly premiums, deductibles and copayments across Wayne County, Oakland County and other regions.
- 3Verify Provider Networks
Confirm your preferred doctors, specialists and hospitals accept plans you're considering. Out-of-network care costs more and may require full payment upfront. Major health systems like Spectrum Health in Kent County or Henry Ford Health in southeastern Michigan may not accept all insurance plans.
- 4Review Cost-Sharing Details
Higher deductibles lower monthly premiums but increase upfront costs when you need care. Your maximum out-of-pocket limit caps annual expenses, protecting you from catastrophic medical bills. Bronze plans typically have $6,000+ deductibles while gold plans offer $1,000-$3,000 deductibles with higher monthly costs.
- 5Understand Plan Types
HMOs, PPOs, EPOs and POS plans each offer different trade-offs between cost and flexibility. HMOs require referrals but cost less, while PPOs let you see specialists without approval at higher premiums. EPOs and POS plans fall between these options, balancing network restrictions with affordability.
- 6Explore Government Programs
Federal subsidies and Medicare plans make health insurance more affordable for eligible Michigan residents. If you have low income, qualifying disabilities or are 65 or older, explore Medicare Advantage and Medicare Supplement options. Income-based subsidies through Healthcare.gov can reduce premium costs.
How Much Does Health Insurance Cost in Michigan?
HMO plans offer the cheapest Bronze coverage in Michigan at $421 monthly, while EPO plans provide the most affordable Silver and Gold options at $473 and $510, respectively. PPO plans cost more across all tiers, with Gold coverage reaching $944 per month.
EPO plans balance cost and flexibility better than restrictive HMO networks, but cost less than flexible PPO plans. Platinum coverage is not available from any plan type in Michigan.
| EPO | No Data | $473 | $510 | No Data |
| HMO | $421 | $636 | $708 | No Data |
| PPO | $510 | $800 | $944 | No Data |
*Rates are averages for 40-year-olds in Michigan. Your rates will vary based on your age and location.
Best Health Insurance in Michigan: Bottom Line
Ambetter, UnitedHealthcare and McLaren Health Plan Community rank as Michigan's top health insurers for 2026. Ambetter combines the most affordable monthly premiums with reasonable out-of-pocket costs, making it the best choice.
Best Michigan Health Insurance: FAQ
Michigan residents have questions about enrollment periods, state insurance requirements and coordinating multiple plans:
How do I get health insurance in Michigan?
Michigan residents can obtain health insurance through Healthcare.gov, directly from insurance companies, or with help from licensed brokers. Open enrollment runs from Nov. 1 through Jan. 15 for 2026 coverage.
Special enrollment periods are available after qualifying events like marriage, job loss or relocation. Employer-sponsored group plans provide another coverage option.
Are you required to have health insurance in Michigan?
Michigan doesn't require health insurance, and you won't experience penalties for being uninsured. However, without coverage, you pay the full cost of medical care out of pocket. A single hospital visit or emergency treatment can easily cost thousands of dollars.
Can you have multiple health insurance plans in Michigan?
Yes, you can have multiple health insurance plans in Michigan. Through coordination of benefits, your primary plan pays first, and your secondary plan may cover remaining eligible expenses. This arrangement happens when both spouses have employer-sponsored coverage or when combining Medicare with supplemental insurance.
Our Review Methodology
Michigan's health insurance market features mostly HMO plans. Our rankings focus heavily on monthly premiums since they create the biggest ongoing cost burden. We also factor in maximum out-of-pocket limits and deductibles, which affect your total yearly spending.
Our Scoring System
We weighted three cost factors:
- Monthly premium (60%): Your recurring monthly payment. Lower average premiums earn higher scores.
- Maximum out-of-pocket (20%): The yearly spending cap beyond premiums. Lower limits score better.
- Deductible (20%): What you pay before coverage kicks in. Lower average deductibles get higher scores.
Scores get normalized within each filter combination. For Silver-tier HMO plans, the best provider earns 5 out of 5 points. All others get scored compared to that top performer.
Sample Consumer Profile
We reviewed every 2026 Michigan plan for people aged 18, 26, 40, 50 and 60. Pricing shows 40-year-old rates unless stated otherwise. We analyzed all metal tiers: Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum.
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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.