Best Cheap Health Insurance in Michigan 2019

Find the Cheapest Health Insurance Quotes in Your Area

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In Michigan, you can find cheap health insurance plans on the state exchange, though the best plan available will depend on the county you live in and the coverage you choose. To help you find the best health insurance coverage, we evaluated all Silver plans in Michigan and found that the cheapest policy was either the Blue Cross® Preferred HMO Silver Saver, McLaren Silver Standard or Meridian Healthy Silver in the majority of the state. However, the Silver plans offered by Total Health Care USA and Physicians Health were the most affordable in the few counties where they offered coverage, so we recommend comparing rates from insurers before purchasing a policy.

Cheapest Health Insurance by Metal Tier

We compared health insurance plans in Michigan by metal tier in order to determine the best, cheap policies available for each level of coverage. The insurers and health plans available will change depending on the county you live in, so those listed below may not be offered in your region. We recommend using these as a starting point to determine the costs and benefits you can expect from a given metal tier of coverage.

Metal TierCheapest PlanDeductibleOut of Pocket MaximumMonthly Cost for a 40-Year-Old
CatastrophicMeridian Catastrophic$7,350$7,350$196.20
BronzeTotal Saver Complete$7,150$7,150$218.57
Expanded BronzeMolina Marketplace Bronze Plan$6,400$7,350$228.03
SilverTotally You - Value$5,000$7,350$298.08
GoldTotal HMO Standard$1,000$5,000$341.45
PlatinumSparrow PHP Platinum 250 Exclusive$250$1,500$498.05

Higher metal tiers of coverage have lower out of pocket costs, meaning you'll pay less in the event you need to use your health insurance, but they also come with more expensive premiums. In addition to the level of coverage you choose, your age is a significant factor in determining health insurance rates, as premiums get more expensive as you get older. As you can see below, a 40-year-old, for instance, would pay 53% cheaper rates for health insurance than a 60-year-old.

Average Monthly Cost of Health Insurance Plans by Metal Tier in Michigan

Finding the Best Health Insurance Coverage in Michigan

The best cheap health plan available for you in Michigan will depend upon the county you live, as this determines which plans are offered, as well as your income. In each county, you'll be able to choose among metal tiers of coverage, which indicate both a plan's monthly premiums and benefits. Generally, higher metal tier plans have more expensive premiums, but out-of-pocket costs, such as deductibles, copays and coinsurance, are much lower. Lower-metal-tier health plans, on the other hand, have cheaper monthly rates alongside much higher cost sharing features.

So, for instance, if you're young and have had no health issues, your net cost would likely be lower with a Silver or Bronze plan, since you're likely to have fewer medical expenses throughout the year. However, if you became ill and needed to be hospitalized, your total expenses may be higher, as you'd need to cover large out-of-pocket costs before your health insurance would provide coverage.

Gold & Platinum Plans: Best for High Medical Costs

Gold and Platinum health plans in have the most expensive monthly premiums, but they also offer the cheapest out-of-pocket expenses, such as deductibles and copays. So, if you have high expected medical expenses, such as costly ongoing prescriptions, a higher metal tier policy may be your best choice for health insurance.

Silver Plans: Best if You Have Low Income or Moderate Medical Expenses

Silver plans are often the best health insurance option if you're looking for a middle ground to balance affordable premiums and out-of-pocket costs. They also are eligible for cost-sharing subsidies for lower-income households, which can help to make your health coverage more affordable.

Bronze & Catastrophic Plans: Best for Healthy People with Emergency Savings

Bronze and Catastrophic plans have the cheapest monthly health insurance rates, which make them a great choice for young, healthy people with low expected medical costs. But we wouldn't recommend these policies unless you have the financial resources to cover the high out of pocket expenses in case of an emergency. Low metal tiers have the highest deductibles, copays and coinsurance, meaning coverage won't be extended until you've covered these costs yourself. Also note that Catastrophic plans aren't available unless you're under the age of 30 or meet certain exemptions, so this option may not be available to you.

Medicaid

Michigan expanded Medicaid for residents under the Affordable Care Act, so depending on your income, you may qualify Medicaid or a qualified health plan. However, Michigan is different from other states in that, if your household income is greater than the federal poverty level and you enroll for Medicaid, you must contribute 2% of your annual income to a health savings account.

Short-Term Health Insurance in Michigan

You can purchase short-term health insurance in Michigan, but policies are restricted when compared to the federal guidelines for these types of plans. If you have a short-term plan, coverage would only be provided for up to six months, and renewals would be prohibited.

Although short-term plans provide a variety of coverage benefits, they do not cover some of the essential benefits including maternity, mental health and prescription drugs. Before purchasing a short-term health plan, you should make sure the policy is appropriate for your needs.

Find the Cheapest Health Insurance Quotes in Your Area

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Best Cheap Health Insurance Companies in Michigan

For those looking to compare policies, there are currently eight health insurance companies on the Michigan state exchange:

  • Blue Care Network of Michigan
  • Blue Cross Blue Shield of Michigan Mutual Insurance Co.
  • McLaren Health Plan Community
  • Meridian Health Plan of Michigan Inc.
  • Molina Healthcare of Michigan Inc.
  • Physicians Health Plan
  • Priority Health
  • Total Health Care USA Inc.

Not all of these insurers are available in every region—only Blue Care Network of Michigan and Blue Cross Blue Shield of Michigan offer health insurance in every county in the state. If they offer coverage in your county, we recommend starting your search with Total Health Care USA and Physicians Health. These companies offered health insurance plans in four and eight regions respectively, however, their Silver plans were typically the cheapest in every region where they're available.

Total Health Care USA CountiesPhysicians Health Counties
GeneseeClinton
MacombEaton
OaklandGratiot
WayneIngham
Ionia
Isabella
Montcalm
Shiawassee

If you live in a county where these insurers aren't available, the best, cheap health insurance plan will likely be offered by Blue Cross Blue Shield, McLaren or Meridian. These companies offered the cheapest Silver health insurance plans in the majority of Michigan.

Cheapest Health Insurance Plan By County

The county where you live in Michigan will determine the health insurance companies and plans available. To help you find the best health plan for yourself, we compared rates from every policy in the state to determine the cheapest Silver policy in each county. Your actual cost of health insurance will vary depending on your age and family size, but we recommend using this as a starting point to determine the most affordable health coverage near you.

CountyCheapest Silver PlanSingle Adult, Age 40Couple, Age 40Couple, Age 40, and Child
AlconaBlue Cross® Preferred HMO Silver Saver$404$808$1,050
AlgerBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
AlleganMcLaren Silver Standard$435$870$1,130
AlpenaBlue Cross® Preferred HMO Silver Saver$404$808$1,050
AntrimBlue Cross® Preferred HMO Silver Saver$392$783$1,018
ArenacMcLaren Silver Standard$384$769$999
BaragaBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
BarryMcLaren Silver Standard$435$870$1,130
BayMcLaren Silver Standard$384$769$999
BenzieBlue Cross® Preferred HMO Silver Saver$392$783$1,018
BerrienMeridian Healthy Silver$451$902$1,172
BranchMcLaren Silver Standard$467$934$1,213
CalhounBlue Cross® Select HMO Silver Saver$440$879$1,142
CassMcLaren Silver Standard$445$890$1,157
CharlevoixBlue Cross® Preferred HMO Silver Saver$392$783$1,018
CheboyganBlue Cross® Preferred HMO Silver Saver$404$808$1,050
ChippewaBlue Cross® Preferred HMO Silver Saver$404$808$1,050
ClareBlue Cross® Preferred HMO Silver Saver$433$866$1,125
ClintonSparrow PHP Silver 7000 Exclusive$344$688$894
CrawfordBlue Cross® Preferred HMO Silver Saver$404$808$1,050
DeltaBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
DickinsonBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
EatonSparrow PHP Silver 7000 Exclusive$344$688$894
EmmetBlue Cross® Preferred HMO Silver Saver$392$783$1,018
GeneseeTotally You - Value$298$596$775
GladwinBlue Cross® Preferred HMO Silver Saver$433$866$1,125
GogebicBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
Grand TraverseBlue Cross® Preferred HMO Silver Saver$392$783$1,018
GratiotMcLaren Silver Standard$384$769$999
HillsdaleMcLaren Silver Standard$425$851$1,105
HoughtonBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
HuronMcLaren Silver Standard$410$820$1,065
InghamSparrow PHP Silver 7000 Exclusive$344$688$894
IoniaSparrow PHP Silver 7000 Exclusive$344$688$894
IoscoBlue Cross® Preferred HMO Silver Saver$404$808$1,050
IronBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
IsabellaSparrow PHP Silver 3000 HMO$406$813$1,056
JacksonBlue Cross® Preferred HMO Silver Saver$443$887$1,152
KalamazooBlue Cross® Select HMO Silver Saver$440$879$1,142
KalkaskaBlue Cross® Preferred HMO Silver Saver$392$783$1,018
KentMolina Marketplace Silver Plan$350$699$908
KeweenawBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
LakeMeridian Healthy Silver$386$771$1,002
LapeerMeridian Healthy Silver$365$729$947
LeelanauBlue Cross® Preferred HMO Silver Saver$392$783$1,018
LenaweeMcLaren Silver Standard$439$878$1,141
LivingstonBlue Cross® Select HMO Silver Saver$406$812$1,055
LuceBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
MackinacBlue Cross® Preferred HMO Silver Saver$404$808$1,050
MacombTotally You - Value$298$596$775
ManisteeBlue Cross® Preferred HMO Silver Saver$392$783$1,018
MarquetteBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
MasonMeridian Healthy Silver$386$771$1,002
MecostaMeridian Healthy Silver$386$771$1,002
MenomineeBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
MidlandBlue Cross® Preferred HMO Silver Saver$433$866$1,125
MissaukeeBlue Cross® Preferred HMO Silver Saver$392$783$1,018
MonroeMeridian Healthy Silver$360$721$936
MontcalmSparrow PHP Silver 7000 Exclusive$344$688$894
MontmorencyBlue Cross® Preferred HMO Silver Saver$404$808$1,050
MuskegonMeridian Healthy Silver$386$771$1,002
NewaygoMeridian Healthy Silver$386$771$1,002
OaklandTotally You - Value$298$596$775
OceanaMeridian Healthy Silver$386$771$1,002
OgemawBlue Cross® Preferred HMO Silver Saver$404$808$1,050
OntonagonBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
OsceolaMeridian Healthy Silver$386$771$1,002
OscodaBlue Cross® Preferred HMO Silver Saver$404$808$1,050
OtsegoBlue Cross® Preferred HMO Silver Saver$404$808$1,050
OttawaMeridian Healthy Silver$386$771$1,002
Presque IsleBlue Cross® Preferred HMO Silver Saver$404$808$1,050
RoscommonBlue Cross® Preferred HMO Silver Saver$404$808$1,050
SaginawMcLaren Silver Standard$384$769$999
Saint ClairBlue Cross® Select HMO Silver Saver$410$820$1,066
Saint JosephMcLaren Silver Standard$445$890$1,157
SanilacMcLaren Silver Standard$410$820$1,065
SchoolcraftBlue Cross® Preferred HMO Silver Saver$528$1,057$1,373
ShiawasseeSparrow PHP Silver 7000 Exclusive$344$688$894
TuscolaMcLaren Silver Standard$410$820$1,065
Van BurenMyPriority Silver 3200 - Bronson Healthcare Partners$425$850$1,104
WashtenawMeridian Healthy Silver$391$781$1,015
WayneTotally You - Value$298$596$775
WexfordBlue Cross® Preferred HMO Silver Saver$392$783$1,018

Average Cost of Health Insurance by Family Size in Michigan

Larger families in Michigan will pay higher premiums for health insurance as more people are added to the policy. The cost of adding another family member to your health coverage will depend on their age. Children under the age of 15 are charged a flat rate, while older children and your spouse will be charged a rate that increases each year as they age.

So, for instance, if you and your spouse were covered by a Silver plan and wanted to add coverage for your new child, your monthly premium would increase by approximately $288—the average cost to add health insurance for a child in Michigan. On the other hand, if you've just gotten married and want to add your 40-year-old spouse to your policy, your premiums would double—increasing by $481 per month—assuming you're the same age.

Family SizeAverage Monthly Cost of Health Plan
Single Adult$481
Adult Couple$962
Family of three (Adult couple and a child)$1,251
Family of four (Adult couple and two children)$1,539
Family of five (Adult couple and three children)$1,827
Adults are assumed to be 40 years old. Sample rates are based on the average cost for a Silver plan in Michigan.

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Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication.