Health insurance cost in Michigan
The benchmark silver Marketplace plan for a 40-year-old costs $523 a month in Michigan in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Health insurance cost
$523
a month
A year
$6,276
Rank
12 of 51
1 = cheapest; −16% vs U.S.
| State | Health insurance cost | Rank |
|---|---|---|
| Rhode Island | $506 | 10 |
| Ohio | $513 | 11 |
| Michigan | $523 | 12 |
| Arizona | $532 | 13 |
| Hawaii | $541 | 14 |
| U.S. | $625 | - |
Common questions
How much is health insurance in Michigan?
The benchmark silver Marketplace plan for a 40-year-old costs $523 a month in Michigan in 2026 before subsidies, per KFF. Premium tax credits lower that for many buyers, and age, plan level and county change it.
Is health insurance in Michigan expensive?
Michigan ranks 12 of 51 (1 = cheapest). The U.S. average is $625 a month.
Add it to a full month with the budget by state tool.
More for Michigan: monthly budget · take-home pay · rent.