Key Facts
The Healthy Michigan Plan
Michigan expanded Medicaid in 2014 through the Healthy Michigan Plan, providing comprehensive health coverage to hundreds of thousands of previously uninsured adults. The program has been highly successful in reducing Michigan's uninsured rate.
Who Qualifies?
- Adults ages 19-64 with income up to 138% FPL ($20,783/year for individuals)
- Must be Michigan residents
- Not eligible for or enrolled in Medicare
- Not currently enrolled in other Medicaid coverage
- U.S. citizens or qualified immigrants
Healthy Michigan Plan Benefits
- Preventive care with no copays
- Doctor visits and specialist care
- Hospital inpatient and outpatient services
- Prescription drug coverage
- Mental health and substance use services
- Dental and vision care
- Maternity care
- Lab tests and X-rays
How to Apply
You can apply for the Healthy Michigan Plan through:
- Online at michigan.gov/mibridges
- By phone: 1-844-799-9876
- In person at your local DHHS office
- Through a certified application counselor or navigator
Health Insurance Marketplace
Michigan uses the federal Health Insurance Marketplace at HealthCare.gov. If you earn more than 138% FPL or prefer private coverage with more plan choices, the marketplace offers various options.
Available Plan Types
- Bronze: Lower premiums, higher out-of-pocket costs (60% coverage)
- Silver: Moderate premiums and costs (70% coverage) - best for subsidies
- Gold: Higher premiums, lower out-of-pocket costs (80% coverage)
- Platinum: Highest premiums, lowest out-of-pocket costs (90% coverage)
Enrollment Periods
Open Enrollment: November 1, 2024 - January 15, 2025
Note: You can apply for the Healthy Michigan Plan year-round, but marketplace plans have limited enrollment periods unless you have a qualifying life event.
Average Costs in Michigan
Health insurance costs in Michigan vary based on your age, location, plan type, and tobacco use. Here are typical monthly premiums before subsidies:
| Plan Type | Individual (Age 40) | Family of 4 |
|---|---|---|
| Bronze | $320 - $390 | $1,000 - $1,300 |
| Silver | $400 - $500 | $1,250 - $1,600 |
| Gold | $470 - $570 | $1,450 - $1,850 |
| Healthy Michigan Plan | $0 - Small copays | $0 - Small copays |
Frequently Asked Questions
Has Michigan expanded Medicaid?
Yes, Michigan expanded Medicaid in 2014 through the Healthy Michigan Plan. Adults ages 19-64 earning up to 138% of the federal poverty level ($20,783 for an individual in 2025) may qualify for free or low-cost health coverage.
What is the Healthy Michigan Plan?
The Healthy Michigan Plan is Michigan's Medicaid expansion program that provides comprehensive health coverage to low-income adults. Benefits include doctor visits, hospital care, prescriptions, mental health services, dental, and vision care.
When is Open Enrollment for Michigan health insurance?
Open Enrollment for 2025 marketplace coverage runs from November 1, 2024 through January 15, 2025. Michigan uses the federal marketplace at HealthCare.gov. The Healthy Michigan Plan accepts applications year-round.
How much does health insurance cost in Michigan?
The average monthly premium for a benchmark Silver plan in Michigan is approximately $400-500 before subsidies. Many Michigan residents qualify for premium tax credits that significantly reduce costs, with some paying less than $100 per month.
Need Help Finding Michigan Coverage?
Our licensed agents specialize in helping Michigan residents navigate the Healthy Michigan Plan, marketplace options, and find the best coverage for their situation.
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