How health insurance works in Michigan
Michiganders buying their own coverage have two markets: HealthCare.gov (healthcare.gov), where plans from Blue Cross Blue Shield of Michigan, Priority Health, Molina, Oscar, and Ambetter are guaranteed-issue and priced on income, and the private shared-network market, where PPO plans on Cigna, Aetna and PHCS PPO are underwritten and priced on age and health.
Medicaid is expanded (Healthy Michigan Plan) in Michigan. Michigan has no state individual mandate.
What it costs
Full-price marketplace plans for a 40-year-old in Detroit commonly run $550–$850 a month in 2026; with a subsidy, often under $300. Private PPOs for the same healthy person run roughly $320–$480. Michigan has a flat state income tax, so the self-employed health premium deduction helps at both the federal and state level.
The Michigan picture
Michigan has a deep self-employed and skilled-trades workforce, and Blue Cross Blue Shield of Michigan dominates the marketplace — which is why people who want a different network look at private PPOs.