The best health insurance company in Michigan depends on the type of coverage you want. Blue Cross Blue Shield of Michigan is our top pick for PPO plans because it combines the state's only PPO offerings with strong customer experience and plan quality scores. Oscar is the best EPO option, with the lowest average Silver EPO premium at $473 per month. Priority Health is the top HMO provider, combining a low denial rate with strong QRS ratings and low customer complaints. If keeping premiums as low as possible is your priority, Ambetter from Meridian has the cheapest Silver HMO plans at an average of $472 per month.
Best Health Insurance in Michigan (2026)
Updated: August 12, 2026
Advertising & Editorial Disclosure
Best Health Insurance Companies in Michigan
Blue Cross Blue Shield | PPO Plans | PPO | $800 | 5.0 | 4.5 | 4.3 | 4.7 |
Oscar | EPO Plans | EPO | $473 | 5.0 | 3.9 | 4.0 | 4.5 |
Priority Health | HMO Plans | HMO | $659 | 4.3 | 5.0 | 4.3 | 4.5 |
Ambetter from Meridian | Affordability | HMO | $472 | 5.0 | 4.0 | 3.7 | 4.4 |
* Average monthly premium is based on the Silver tier of the noted plan type for 40-year-olds. Your actual rate will vary based on your age, location, plan type and provider.
* Overall MoneyGeek scores are based on a weighted average of affordability (50%), customer experience (30%) and plan quality (20%).
Blue Cross Blue Shield
Best PPO Plans
MoneyGeek Rating
4.7/ 5
5/5Affordability
4.5/5Customer Experience
4.3/5Plan Quality
Plan Types
PPOAvg. Monthly Premium
$800Based on Silver PPO plans for 40-year-olds.Avg. Denial Rate
13.1%Percentage of in-network claims the insurer denied. Lower rates are better.Avg. QRS Score
4.0Average CMS quality rating across all plan types. 1-5 stars. Higher scores are better.
Oscar
Best EPO Plans
MoneyGeek Rating
4.5/ 5
5/5Affordability
3.9/5Customer Experience
4/5Plan Quality
Plan Types
EPOAvg. Monthly Premium
$473Based on Silver EPO plans for 40-year-olds.Avg. Denial Rate
27.3%Percentage of in-network claims the insurer denied. Lower rates are better.Avg. QRS Score
NRAverage CMS quality rating across all plan types. NR means CMS did not publish a QRS score for this insurer.
Priority Health
Best HMO Plans
MoneyGeek Rating
4.5/ 5
4.3/5Affordability
5/5Customer Experience
4.3/5Plan Quality
Plan Types
HMOAvg. Monthly Premium
$659Based on Silver HMO plans for 40-year-olds.Avg. Denial Rate
7.9%Percentage of in-network claims the insurer denied. Lower rates are better.Avg. QRS Score
4.0Average CMS quality rating across all plan types. 1-5 stars. Higher scores are better.
Ambetter
Most Affordable
MoneyGeek Rating
4.4/ 5
5/5Affordability
4/5Customer Experience
3.7/5Plan Quality
Plan Types
HMOAvg. Monthly Premium
$472Based on Silver HMO plans for 40-year-olds.Avg. Denial Rate
27.7%Percentage of in-network claims the insurer denied. Lower rates are better.Avg. QRS Score
3.0Average CMS quality rating across all plan types. 1-5 stars. Higher scores are better.
Compare Michigan Health Insurance Providers
Premiums, deductibles and maximum out-of-pocket (MOOP) costs vary across Michigan health insurance companies. Use the filters below to compare plans by age, metal tier, plan type and HSA eligibility.
Data filtered by:
HMO
Silver
40
No
| Ambetter | $472 | $5,188 | $3,483 | No |
| UnitedHealthcare | $542 | $6,014 | $2,246 | No |
| Mclaren Health Plan Community | $735 | $5,686 | $2,307 | No |
| Blue Care Network Of Michigan | $668 | $5,356 | $3,073 | No |
| Priority Health | $659 | $5,608 | $2,787 | No |
How to Choose the Best Health Insurance in Michigan
Choosing the best health insurance in Michigan means balancing monthly premiums with deductibles, provider networks and the coverage you'll actually use. Comparing plans beyond the monthly price can help you avoid unexpected costs and find coverage that fits your health needs and budget.
- 1Assess Your Healthcare Needs
Review your current medications, planned procedures and how often you visit the doctor. If you expect frequent medical care, paying a higher premium for a lower deductible can save you money over the year.
- 2Compare Multiple Insurance Quotes
Get quotes from at least three insurers before choosing a plan. Compare monthly premiums, deductibles, copays and covered benefits, since prices and coverage vary by insurer and county.
- 3Verify Provider Networks
Make sure your preferred doctors, specialists and hospitals participate in the plan's network. Out-of-network care can cost much more and may not be covered depending on your plan type.
- 4Review Cost-Sharing Details
Don't focus on premiums alone. Compare deductibles, copays, coinsurance and the maximum out-of-pocket (MOOP) limit to estimate your total annual costs based on your expected health care use.
In Michigan's 2026 market, Bronze deductibles range from $4,575 to $7,950, while Gold plan deductibles range from $700 to $1,538. Bronze MOOP limits range from $6,789 to $7,950, while Gold MOOP limits range from $5,488 to $6,491.
- 6Check Subsidies and Government Programs
If you buy coverage through HealthCare.gov, you may qualify for premium tax credits that can greatly reduce your monthly costs. Lower-income residents also qualify for the Healthy Michigan Plan (Medicaid), while adults 65 and older should compare Medicare Advantage and Medicare Supplement plans instead.
How Much Does Health Insurance Cost in Michigan?
Health insurance costs in Michigan vary widely depending on both the plan type and metal tier you choose. EPO plans are the most affordable, averaging $372 per month for an Expanded Bronze plan and $473 for a Silver plan. PPO plans offer the greatest provider flexibility but come at a higher price, with average premiums ranging from $510 for Bronze to $944 for Gold. HMO plan pricing falls between EPOs and PPOs.
EPO | $372 | N/A | $473 | $510 |
HMO | $474 | $434 | $615 | $703 |
PPO | $581 | $510 | $800 | $944 |
* Rates are averages for 40-year-olds in Michigan. Your rates will vary based on your age, location and insurer.
* There are no Bronze EPO plans in the state.
Best Medicare Plans in Michigan
Beyond ACA Marketplace coverage, we also evaluated Michigan's best Medicare options. Medicare is a federal health insurance program for adults 65 and older, though some younger people with qualifying disabilities are also eligible.
Michigan Health Insurance Resources
- HealthCare.gov: Michigan uses the federal Marketplace for health insurance. Shop ACA Marketplace plans, compare plans, estimate subsidies and enroll in coverage.
- Michigan Department of Insurance and Financial Services (DIFS): Learn about health insurance regulations, compare coverage options, file consumer complaints and verify licensed insurers.
- Michigan Health Insurance Consumer Assistance Program: Get free help understanding your health insurance rights, appealing claim denials and resolving coverage disputes.
- Michigan Medicaid: Check Medicaid eligibility, apply for coverage and learn about covered benefits.
- Healthy Michigan Plan: Learn about Michigan's Medicaid expansion program for eligible low-income adults.
- MI Bridges: Apply for Medicaid and other assistance programs, manage your benefits and upload required documents online.
- Michigan Medicare Assistance Program (MMAP): Receive free, unbiased counseling to compare Medicare Advantage, Part D and Medigap plans.
- Michigan Department of Health and Human Services (MDHHS): Find information on public health programs, state health services and additional health care resources.
Best Michigan Health Insurance: FAQ
Michigan residents can get health insurance through HealthCare.gov, directly from insurance companies or with help from licensed brokers. Open enrollment is from Nov. 1 to Jan. 15.
Special enrollment periods are available after qualifying events like marriage, job loss or relocation. Employer-sponsored group plans provide another coverage option.
Michigan doesn't require health insurance, and you won't experience penalties for being uninsured. However, without coverage, you pay the full cost of medical care out of pocket. A single hospital visit or emergency treatment can easily cost thousands of dollars.
Yes. You can hold multiple health insurance plans in Michigan. Coordination of benefits determines payment order: your primary plan pays first and the secondary plan covers some or all of what remains. Dual coverage is most common when both spouses have separate employer-sponsored plans or when a Medicare enrollee adds supplemental insurance to cover gaps.
Our Review Methodology
MoneyGeek reviewed every health insurance plan available on Michigan's Health Insurance Marketplace for the 2026 enrollment period. Health insurance plan and provider data was updated using the Centers for Medicare & Medicaid Services (CMS) Marketplace data for the 2026 plan year.
Our Scoring System
We evaluated each insurer using a weighted scoring methodology that balances affordability, customer experience and plan quality. Each company received an overall MoneyGeek Score on a five-point scale based on the following factors:
- Affordability (50%): We analyzed average monthly premiums across all Marketplace plans from each insurer in Michigan to identify the companies providing the best overall value.
- Customer Experience (30%):
- NAIC Complaint Index (15%): Measures the number of consumer complaints filed against an insurer relative to its market share, with 1.0 as the industry baseline. Lower complaint indices received higher scores.
- Marketplace Claims Denial Rate (15%): Based on CMS Marketplace transparency data. Insurers with lower claims denial rates received higher scores.
- Plan Quality (20%): Based on the CMS Quality Rating System (QRS), which evaluates Marketplace health plans on clinical quality, member experience and plan administration. Higher-rated plans received higher scores.
Pricing shows 40-year-old rates unless stated otherwise. We analyzed all metal tiers in the state: Catastrophic, Bronze, Expanded Bronze, Silver and Gold.
Related Pages
About Patrick Bryant
Patrick Bryant is the Vertical Lead for Health Insurance at MoneyGeek, where he researches insurance products, writes consumer guides and maintains the scoring methodologies behind our provider comparisons. He analyzed more than 100 health insurance carriers across all 50 U.S. states and multiple policy types. His methodologies are reviewed quarterly to reflect current market conditions and carrier data.