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Health Insurance Between Jobs in Michigan: 2027 Options
Quick answer: Between jobs in Michigan, your main options are COBRA, a marketplace plan through a special enrollment period and a private plan. Compare the monthly cost, the deductible and whether your doctors are in network.
COBRA
COBRA lets you keep your employer plan for a limited time, usually up to 18 months. You pay the full premium plus an administrative fee, so it is often the most expensive option, but it keeps your doctors and your deductible progress.
Marketplace plan
Losing job-based coverage opens a special enrollment period, usually about 60 days. If your income drops during the gap, you may qualify for a credit on HealthCare.gov. You can also choose a marketplace plan instead of COBRA. Open enrollment for 2027 marketplace coverage began November 1, 2026. Most HealthCare.gov deadlines are December 15 for a January 1 start and January 15 for the final day, but state marketplaces set their own dates, so confirm yours on healthcare.gov.
Private plan
A private PPO on Cigna, Aetna and PHCS PPO can start as soon as you are approved, and the questionnaire means price and approval depend on your health. It can be a good fit for a short gap if you are healthy.
Which to choose
If you expect a new job with benefits within a few months, a short-term plan may be worth discussing, but ask what is allowed in Michigan first. If you are starting your own business, compare marketplace and private plans.
See live private-plan pricing or check your options and we will run both markets for you. Prices, carriers and rules change, so treat anything here as a starting point, not a quote.