When you shop for health insurance, you will probably have many plans to choose from. A good plan will not only provide the coverage you need to be able to afford your care, but the plan’s costs will be within your budget, too. Finding affordable health insurance in Michigan might seem overwhelming, especially if you don’t have much experience shopping for health insurance.
That’s why we’ve outlined the details you need to know when finding the right insurance plan for you and your family.
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The average cost of health insurance in Michigan depends on many factors, but one major factor will be the plan tier that you choose. In Michigan, Bronze, Silver, Gold, and Platinum tiers are available. Bronze plans are some of the more affordably priced options, but carry higher deductibles. Gold plans cost more than Bronze and Silver plans, but they have lower deductibles, so you’ll pay less out of pocket when you need care.
| Average Premium for Health Insurance in Michigan | |
| Most Affordable Bronze Plan | $266 |
| Most Affordable Silver Plan | $354 |
| Most Affordable Gold Plan | $395 |
If you have access to an employer-sponsored health insurance plan, that might be a lower option to consider. The average annual premium for an employer-sponsored plan in Michigan is $1,614.
Several other factors impact your health insurance cost, including your age, health status, location, and the number of dependents to be included on your policy. Since the cost of health insurance in Michigan can widely vary, it’s helpful to get a personalized quote to get the most accurate idea of how much you will pay for an insurance policy.
The type of insurance plan that you choose will also impact your premiums, and different plan types have different coverage and deductibles. Below are some of the most common types of health insurance in Michigan:
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Michigan offers several health insurance options for low-income residents.
Michigan Medicaid
Michigan Medicaid is available to low- or very low-income residents. Individuals must make no more than $18,075 per year to qualify. Residents who are pregnant, have a disability, or are responsible for a child age 17 or younger may also qualify.
Michigan Healthy Kids Program
The Michigan Healthy Kids Program is a state-sponsored health insurance program for residents age 19 and younger, and for pregnant women. This insurance helps to cover mental health services, emergency care, preventive care, and more.
Medicare in Michigan
Medicare insurance is an option for those age 65 and older, or for those who have a qualifying disability or who are caring for someone who is disabled. Medicare is available in four parts and each offers different types of coverage.
As you shop for health insurance, you may be able to save money by getting and comparing quotes to find a plan that suits your needs at the best price. To get started, get a free, personalized quote from ConsumerCoverage.
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Paige Cerulli Paige Cerulli is a freelance content writer and journalist who specializes in personal finance topics. She graduated from Westfield State University and brings more than a decade of professional writing experience to the ConsumerCoverage team. Paige’s work has appeared in outlets including USA Today, Business Insider, and more.
