Obamacare in Michigan: ACA Marketplace plans

The federal Marketplace at HealthCare.gov. Michigan does not run a state platform of its own, so the federal open enrollment calendar and the federal qualifying-event rules are the ones that apply to you.

For the 2026 coverage year our records list Ambetter, Molina, Oscar and United Healthcare. We are independent agents, so the conversation starts with what your household needs rather than with one carrier.

It depends on the county, the exact plan, your age, your household size and the income you expect. The same plan in Wayne and in Oakland need not cost the same. The estimate on this page gives you a figure without asking for your contact details, and you can stop there if you want to.

Open enrollment for the coverage year has fixed dates, and outside them you need a qualifying event such as losing other coverage, moving, marrying or having a child. Confirm the exact dates with HealthCare.gov, because state Marketplaces do not always follow the federal calendar.

Molina ended its on-exchange Marketplace offering in Michigan for the 2026 coverage year, which the carrier stated in its own product-change notice. That notice mentions a conditional intent to return later, which is not a confirmed return, and it says nothing about Molina’s other lines of business. If you held a Molina Marketplace plan here, treat 2026 as a year to compare alternatives.