Health Insurance

The cheapest Silver health insurance plan in Michigan is the Ambetter Balanced Care 30.

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The cheapest Silver health insurance plan in Michigan is the Ambetter Balanced Care 30. However, it's only available in two counties. The MyPriority Telehealth PCP Silver 5500 is the most affordable Silver plan across 42% of Michigan's counties. As the price and availability of health insurance vary depending on location and age, we recommend comparing rates from multiple insurers before purchasing a policy.

For a 40-year-old, the average cost of health insurance in Michigan is $410 per month for a Silver plan.

Cheapest health insurance by metal tier

We recommend using these low-cost health insurance policies as a starting point to determine the costs and benefits you can expect from a given metal tier of coverage.

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We compared health insurance plans in Michigan by metal tier in order to determine the cheapest policies available for each level of coverage.

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.

Cheapest health insurance in Michigan

Compare Health Insurance Quotes in Michigan

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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 in the example above, a 40-year-old would pay 28% more than a 21-year-old for a Silver policy, while a 60-year-old would pay 112% more than a 40-year-old for the same policy.

The insurers and health plans available will change depending on the county in which you live, so those listed below may not be offered in your region.

Cheapest plan
Monthly cost
Maximum out-of-pocket
CatastrophicBlue Cross Select HMO Value$218$8,700$8,700
BronzeAmbetter Essential Care 1$218$8,600$8,600
Bronze ExpandedAmbetter Essential Care 2 HSA$237$6,900$6,900
SilverAmbetter Balanced Care 30$289$6,100$6,100
GoldAmbetter Secure Care 20$319$750$7,500
PlatinumSparrow PHP Platinum 500 Exclusive$533$500$3,000

Finding your best health insurance coverage in Michigan

The best health insurance plan available for you in Michigan will depend upon the county you live in, 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 and Platinum plans: Best for high medical costs

Gold and Platinum health plans 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 a 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 reduction (CSR) subsidies for lower-income households, which can help to make your health coverage more affordable.

Bronze and Catastrophic plans: Best for healthy people with emergency savings

Bronze and Catastrophic plans have the cheapest monthly health insurance rates, which make them great choices for young, healthy people with low expected medical costs. 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 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. Catastrophic plans also are not eligible for premium tax credits.


Michigan expanded Medicaid for residents under the Affordable Care Act (ACA), so depending on your income, you may qualify for 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 in Medicaid, you must contribute 2% of your annual income to a health savings account.

Health insurance rate changes in Michigan

Health insurance providers are required to submit any policy premium, deductible and out-of-pocket maximum changes to federal regulators. This occurs on an annual basis and is the reason that you may see a slight uptick in your health insurance costs.

For 2022, health insurance costs in Michigan decreased for most plans by an average of 2%, with Catastrophic plans rising by just 4% compared to 2021.

Change (2022 vs. 2021)
Bronze Expanded$426$330$315-5%

Monthly premiums are for a 40-year-old adult.

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 had a short-term plan, coverage would only be provided for up to 185 days and renewals would be prohibited — a new plan would need to be purchased from a different insurer.

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.

Compare Health Insurance Quotes in Michigan

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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.
  • Oscar Insurance Co.
  • Physicians Health Plan
  • Priority Health

The best cheap health insurance plan will likely be offered by Blue Cross Blue Shield, Priority or Meridian/Ambetter. These companies offer the cheapest Silver health insurance plans in 96% of Michigan's counties.

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 your best health plan, we compared monthly 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 Silver plan near you.

County name
Cheapest Silver plan
Age 40
Couple, age 40
Couple, age 40 and child
AlconaMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
AlgerBlue Cross Preferred HMO Silver Saver$415$830$1,078
AlleganAmbetter Balanced Care 31$289$578$750
AlpenaMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
AntrimMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
ArenacMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
BaragaBlue Cross Preferred HMO Silver Saver$415$830$1,078
BarryAmbetter Balanced Care 31$289$578$750
BayMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
BenzieMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
BerrienAmbetter Balanced Care 31$289$578$750
BranchMyPriority Telehealth PCP Silver 5500 - (Doctor On Demand PCP selection required)$345$689$895
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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 are 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 $245 — 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 will double — increasing by $410 per month on average — assuming you're the same age.

Family size
Average monthly cost
Individual plus child$655
Couple, age 40$819
Family of three (adult couple and a child)$1,065
Family of four (adult couple and two children)$1,310
Family of five (adult couple and three children)$1,555

Adults are assumed to be 40 years old. Sample rates are based on the average monthly cost of a Silver plan in Michigan.

Frequently asked questions

Does Michigan have free health care?

Michigan residents may be able to get free or low-cost health insurance through the Michigan Medicaid program. You can learn whether you qualify and how to apply for coverage by visiting the Michigan Medicaid website.

What is the average monthly cost of health insurance in Michigan?

The average cost of a Silver health insurance plan in Michigan is $410 per month for a 40-year-old. Depending on income and family size, you may qualify for premium tax credits (that would lower your monthly payments) and/or cost-sharing subsidies (that would lower your deductibles, copays and coinsurance).

How do I get affordable health insurance in Michigan?

When looking for affordable health insurance in Michigan, you might start by determining if you're eligible for Medicaid. If not, review ACA plans with your budget and health care needs in mind. The cheapest Silver plan in Michigan is the Ambetter Balanced Care 30, which costs $289 per month, but higher or lower metal tiers could be a better value based on your health care usage.


Health insurance rates, deductibles and out-of-pocket maximums in this report were compiled from the Centers for Medicaid & Medicare Services government website. Using Public Use Files (PUFs), ValuePenguin calculated average values by age, county, metal tier and family size to better understand the health insurance marketplace in Michigan. Plans and providers for which county-level data was included in the CMS’ Crosswalk file were used in our analysis; those excluded from this dataset may not appear.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.