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Self-Employed Health Insurance in Michigan: The 2027 Guide
Quick answer: Self-employed Michiganders have two main paths in 2027: a marketplace plan on HealthCare.gov, or a private shared-network PPO. Which one costs less usually comes down to your income and your health.
Step 1: Estimate your 2027 income
Marketplace subsidies depend on your projected income for the year. With the enhanced credits gone, the credit stops at 400% of the poverty level, about $63,840 for one person and about $132,000 for a family of four. Self-employed income swings, so use a realistic net profit figure, not your best month.
Step 2: Compare the two markets
Marketplace plans accept everyone and are priced on income. Private PPO plans are priced on age and health, use a short health questionnaire and can be bought in any month. Many marketplace plans are HMOs or EPOs built around one hospital system. Private plans usually give you a national PPO network.
Step 3: Know the deduction
Most self-employed people can deduct health insurance premiums for themselves, a spouse and dependents, up to their net business profit. It is generally not allowed for months you were eligible for an employer plan, including a spouse's. Michigan has a flat state income tax, so the self-employed health premium deduction helps at both the federal and state level. Confirm your situation with your CPA.
Step 4: Pick the deductible you can afford
A higher deductible lowers the monthly price but raises what you pay before the plan helps. Set aside the deductible amount, or choose a plan you can actually afford to use.
Step 5: Check your doctors
Call your doctors and ask which plan and network they accept before you enroll.
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.
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.