Best Cheap Health Insurance in Michigan (2024)

The cheapest Silver health insurance plan in Michigan is the Clear Silver from Ambetter from Meridian.

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Ambetter from Meridian's Clear Silver is the cheapest Silver health insurance plan in Michigan. It costs $318 per month for a 40-year-old. That's $179 per month cheaper than the Michigan state average. It's available to roughly 78% of Michigan's population.

The Priority Health MyPriority Premier Silver is a strong second choice and the most affordable plan for most people who don't have access to Ambetter's Clear Silver.

Blue Cross Blue Shield is the most popular health insurance company in Michigan. It sells 63% of all plans and gets fewer complaints compared to an average insurance company of the same size.

However, it has some of the most expensive health insurance plans in Michigan.

How much does health insurance cost in Michigan?

On average, health insurance costs $497 per month in Michigan for a 40-year-old with a Silver health plan. Monthly rates increase as you get older.

In Michigan, a 60-year-old will pay more than twice as much as a 40-year-old for the same coverage across all plan levels.

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In addition to your age, the level of coverage you choose will also impact your monthly rates.

In Michigan, you can choose from several plan tiers when shopping for health insurance. These include Bronze, Silver and Gold plans.

Bronze plans have low monthly rates but high costs when you visit the doctor or get a prescription filled. Gold plans have high rates and low out-of-pocket costs. Silver plans have moderate rates, copays and coinsurance.

Plan tier cost breakdown

Metal plan
Monthly rates
Out-of-pocket costs

Cheapest health insurance in Michigan

Ambetter from Meridian's Clear Silver has the cheapest average health insurance cost for a Silver plan in Michigan.

Cheapest plan
Monthly cost
Catastrophic Oscar Secure $241
Bronze Blue Cross Local HMO Bronze Secure $261
Silver Ambetter from Meridian Clear Silver $318
Gold Molina Healthcare Gold 1 $335

Monthly costs are for a 40-year-old.

The cheapest health insurance where you live may differ from the plans above. That's because plan availability varies based on where you live.

Find your best health insurance plan in Michigan

The part of Michigan in which you live, your health, and your income and savings will determine the best health insurance plan available to you.

For example, someone in Lansing will have a different shopping experience compared to someone in Detroit.

Similarly, it might make more sense for someone who has a low income to get a Silver plan because they'll qualify for more government subsidies than a person with higher earnings.

You should consider both your financial health and your actual health when choosing a plan tier. For example, a Gold plan may make financial sense despite its high monthly rates if you have an ongoing illness, since you'll save money when you visit a doctor or get a prescription.

You should consider a Silver plan if you want a nice middle ground between your monthly rate and the other costs you have to pay when you go to the hospital or get a prescription filled. However, if you're in good health and you have a healthy amount of savings, a Bronze plan may be the best option.

Gold plans: Best for people with chronic conditions

Gold health plans usually have the highest monthly rates. But you'll pay less if you have to see the doctor, undergo an operation or get a prescription filled. You should consider a Gold plan if you have an ongoing health condition or if you're in poor health overall. Otherwise, the high monthly cost rarely makes sense for most people.

You can't buy Platinum health insurance in Michigan in 2024.

Silver plans: Best for people with low incomes

Silver plans balance affordable monthly rates with moderate out-of-pocket costs, such as your deductible , copay and coinsurance.

Unlike other metal tiers, you can apply for cost-sharing reductions (CSRs) with a Silver health plan if you have a low income.

This special government subsidy helps cover the costs you're responsible for paying.

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

Bronze and Catastrophic plans typically have low monthly rates, but you have to pay more when you visit the doctor or get a prescription filled. For example, the cheapest Catastrophic and Bronze plans in Michigan both have a $9,450 deductible. That means you have to pay $9,450 before your insurance will kick in for most services . By contrast, the cheapest Silver plan in Michigan has a $5,400 deductible.

Imagine you're diagnosed with a serious condition like cancer, or you crash your car. In these scenarios, you'll pay $4,050 more from your own savings before a Bronze or Catastrophic plan begins to pay out.

The cheapest Bronze plan costs just $684 less per year compared to the most affordable Silver plan in Michigan. That means you would pay $3,316 more with a Bronze plan ($3,076 more with a Catastrophic plan).

You should only choose a Bronze or Catastrophic plan if you can afford to pay these large out-of-pocket costs.

Keep in mind that you can only buy a Catastrophic plan if you're younger than 30 or you qualify for a hardship exemption.

Catastrophic plans aren't eligible for ACA marketplace subsidies, also called premium tax credits. If you qualify for these subsidies, a Bronze or Silver plan may be more affordable than a Catastrophic plan.

Medicaid: Best if you have a low income

You may be eligible for Medicaid if you make less than around $20,000 per year (roughly $40,000 for a family of four). Medicaid is a type of free health insurance offered by the government.

In Michigan, a pregnant woman can qualify for Medicaid with an income of roughly $29,000 or less.

Are health insurance rates going up in Michigan?

The average cost of health insurance in Michigan has risen by 13% from 2023 to 2024.

The largest increases came from Bronze and Gold plans. Both metal tiers saw a 16% year-over-year rise in costs. Silver came close behind with a 14% increase over 2023 prices. Catastrophic plans are an outlier, having risen just 6% over the past year.

Change (2023 vs. 2024)
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Monthly costs are for a 40-year-old.

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Best cheap health insurance companies in Michigan

UnitedHealthcare has the best-rated cheap health insurance in Michigan. It received a strong 4 out of 5 star rating from ValuePenguin editors, and its Silver plans cost roughly 19% less than the Michigan state average.

In other words, you could save $1,128 per year by going with UnitedHealthcare over an average Silver health plan.

In 2024, Michigan residents can choose from nine different health insurance companies on

Best health insurance companies in MI

UnitedHealthcare logo
Oscar logo
Oscar Insurance Company
Ambetter logo
Ambetter from Meridian
Molina logo
Molina HealthcareNot yet rated$374
Physicians Health Plan of MI (PHP of MI) logo
Physicians Health PlanNot yet rated$447
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Average monthly cost for a 40-year-old buying a Silver plan in MI. Ratings are based on editor reviews of the company.

On average, Molina, Oscar and UnitedHealthcare offer the lowest rates. However, both Molina and Oscar have a very high number of customer complaints. You should only choose these companies if affordability is your absolute highest priority.

It's important to keep in mind that these are average rates, and more expensive companies like Ambetter from Meridian and Blue Cross Blue Shield may have good deals on specific plans.

Cheapest health insurance plan by Michigan county

Pricing and plan availability will depend on where you live. Use the table below to find the most affordable plan in your county.

Cheapest plan
Monthly rates
AlconaPriority Health MyPriority Premier Silver$434
AlgerBlue Cross Preferred HMO Silver Saver$594
AlleganPriority Health MyPriority Premier Silver Corewell Health West Michigan Network$412
AlpenaPriority Health MyPriority Premier Silver$434
AntrimPriority Health MyPriority Premier Silver$409
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Cheapest Silver plan with rates for a 40-year-old

Average cost of health insurance by family size in Michigan

In Michigan, your health insurance costs will increase along with the size of your family. A single parent with one child can expect to pay $795 per month for their family's insurance. Add $298 to your monthly cost for each additional child to get an idea of what you'll pay on average.

Two 40-year-olds can expect to pay $995 per month for health insurance in Michigan. Similar to a single-parent household, you can add $298 to this number for each child in your family to get a rough idea of what your health insurance will cost. So two 40-year-olds with a single child would pay $1,293.

Family size
Average cost
Individual + child$795
Couple, age 40$995
Family of three (adult couple and a child)$1,293
Family of four (adult couple and two children)$1,591
Family of five (adult couple and three children)$1,888

Short-term health insurance in Michigan

You can buy short-term health insurance in Michigan, but a policy can last only 185 days at a time. If you want coverage for a full year, you'll have to buy a second policy from a different insurance company.

Michigan state law doesn't let you buy two policies from the same insurance company in a single year.

Short-term health insurance makes sense in some situations. For example, a short-term policy can keep you insured while you're looking for a job or if you moved to Michigan before open enrollment begins.

Moving can sometimes trigger what's known as a special enrollment period. This lets you buy a marketplace health plan through You'll only qualify for a special enrollment period if you moved to a new ZIP code or county and you had coverage for at least one day in the 60 days before you moved.

It's important to remember that short-term health insurance typically has less coverage compared to a normal marketplace plan. That's because ACA marketplace plans are required by law to offer a minimum level of coverage.This includes services such as mental health and maternity care.

Short-term health policies don't have to follow these rules.

Frequently asked questions

Does Michigan have free health care?

In Michigan, you may qualify for Medicaid, a form of free government health insurance, if you make around $20,000 per year ($40,000 for a family of four) or less. If you don't qualify for Medicaid, but you earn a low income, see if you're eligible for ACA marketplace subsidies.

Where to get health insurance in MI?

You can buy private health insurance in Michigan through While you can also buy a health plan directly through a company or broker, you'll only qualify for government subsidies if you buy a health plan through

How much is health insurance per month in Michigan?

What is the most popular health insurance in Michigan?

Blue Cross Blue Shield is the most popular health insurance company in Michigan, with 63% of the state's individual and group health insurance plans. Blue Cross Blue Shield of Michigan has expensive rates, but it offers high-quality service.


ValuePenguin used public use files (PUFs) to gather average insurance rates by age, county, plan tier and family size in Michigan. Complaint data from the National Association of Insurance Commissioners (and plan quality ratings from were used to judge plan and company quality.

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.