Most Affordable Health Insurance in Michigan


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

Key Takeaways

blueCheck icon

Molina offers Michigan's most affordable health insurance, saving policyholders an average of $309 per month compared to the state average.

blueCheck icon

Molina offers top-rated full coverage Gold plans, with affordable pricing starting at $385 monthly.

blueCheck icon

Finding the cheapest health insurance starts with selecting a coverage level within your budget, checking your subsidy eligibility and comparing plans from several companies.

Most Affordable Health Insurance Companies in Michigan

Molina provides the cheapest overall health insurance in Michigan, with an average monthly premium of $291. Availability can vary, so check out Oscar, PriorityHealth, UnitedHealthcare and Health Alliance for affordable health plans.

Molina$291$309
Oscar$331$268
PriorityHealth$390$209
UnitedHealthcare$406$194
Health Alliance$578$22

*These plans reflect rates for 40-year-olds who are not considered low-income.

Cheapest Michigan Health Insurance Plans by Profile

While we've summarized the cheapest companies for most in Michigan, the most affordable plan for you will differ widely depending on your desired coverage tier and age. Below are the cheapest companies by category for most in the area:

  • Cheapest For Young Adults: Blue Cross Blue Shield ($319 monthly)
  • Cheapest For Seniors: Blue Cross Blue Shield ($846 monthly)
  • Cheapest Catastrophic Plan: University of Michigan Health Plan ($289 monthly)
  • Cheapest Expanded Bronze Plan: University of Michigan Health Plan ($315 monthly)
  • Cheapest Bronze Plan: Blue Cross Blue Shield ($285 monthly)
  • Cheapest Silver Plan: Blue Cross Blue Shield ($398 monthly)
  • Cheapest Gold Plan: Molina ($385 monthly)

While these are a good measure of the most affordable plans, they only represent the cheapest for 40-year-olds (26-year-olds for young adults and 60 for seniors), and your cheapest company and plan may differ for your profile. So below, we've created a filterable table that you can modify by plan tier and age to find your lowest rate match.

Data filtered by:Results filtered by:
Select
Plan Level:Silver
Select
Age:40
Blue Cross Blue ShieldBlue Cross® Local HMO Silver Saver$398$144$7,800

Cheapest Health Insurance Plans by County in Michigan

While Molina is the cheapest provider overall, PriorityHealth offers competitive affordability and availability for Silver plans in most counties. Below, you can review which company and plan are most affordable in your area.

AlconaAmbetter$318Clear Silver
AlgerBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
AlleganPriorityHealth$412MyPriority Premier Silver Corewell Health West Michigan Network
AlpenaAmbetter$318Clear Silver
AntrimPriorityHealth$402MyPriority Premier Silver
ArenacPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
BaragaBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
BarryPriorityHealth$412MyPriority Premier Silver Corewell Health West Michigan Network
BayPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
BenziePriorityHealth$402MyPriority Premier Silver
BerrienAmbetter$318Clear Silver
BranchUnitedHealthcare$367UHC Silver Virtual First (Disponible en espanol)
CalhounUnitedHealthcare$367UHC Silver Virtual First (Disponible en espanol)
CassAmbetter$318Clear Silver
CharlevoixPriorityHealth$402MyPriority Premier Silver
CheboyganAmbetter$318Clear Silver
ChippewaAmbetter$318Clear Silver
ClarePhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
ClintonAmbetter$318Clear Silver
CrawfordAmbetter$318Clear Silver
DeltaBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
DickinsonBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
EatonAmbetter$318Clear Silver
EmmetPriorityHealth$402MyPriority Premier Silver
GeneseeAmbetter$318Clear Silver
GladwinPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
GogebicBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
Grand TraversePriorityHealth$402MyPriority Premier Silver
GratiotPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
HillsdaleAmbetter$318Clear Silver
HoughtonBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
HuronAmbetter$318Clear Silver
InghamAmbetter$318Clear Silver
IoniaMolina$335Silver 12 with First 4 Primary Care Visits Free
IoscoAmbetter$318Clear Silver
IronBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
IsabellaPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
JacksonAmbetter$318Clear Silver
KalamazooUnitedHealthcare$367UHC Silver Virtual First (Disponible en espanol)
KalkaskaPriorityHealth$402MyPriority Premier Silver
KentMolina$335Silver 12 with First 4 Primary Care Visits Free
KeweenawBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
LakeMolina$335Silver 12 with First 4 Primary Care Visits Free
LapeerAmbetter$318Clear Silver
LeelanauPriorityHealth$402MyPriority Premier Silver
LenaweeMolina$335Silver 12 with First 4 Primary Care Visits Free
LivingstonMolina$335Silver 12 with First 4 Primary Care Visits Free
LuceBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
MackinacAmbetter$318Clear Silver
MacombAmbetter$318Clear Silver
ManisteePriorityHealth$402MyPriority Premier Silver
MarquetteBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
MasonMolina$335Silver 12 with First 4 Primary Care Visits Free
MecostaMolina$335Silver 12 with First 4 Primary Care Visits Free
MenomineeBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
MidlandPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
MissaukeePriorityHealth$402MyPriority Premier Silver
MonroeAmbetter$318Clear Silver
MontcalmMolina$335Silver 12 with First 4 Primary Care Visits Free
MontmorencyAmbetter$318Clear Silver
MuskegonMolina$335Silver 12 with First 4 Primary Care Visits Free
NewaygoMolina$335Silver 12 with First 4 Primary Care Visits Free
OaklandAmbetter$318Clear Silver
OceanaMolina$335Silver 12 with First 4 Primary Care Visits Free
OgemawAmbetter$318Clear Silver
OntonagonBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
OsceolaMolina$335Silver 12 with First 4 Primary Care Visits Free
OscodaAmbetter$318Clear Silver
OtsegoAmbetter$318Clear Silver
OttawaMolina$335Silver 12 with First 4 Primary Care Visits Free
Presque IsleAmbetter$318Clear Silver
RoscommonAmbetter$318Clear Silver
SaginawPhysicians Health Plan$416Physicians Health Plan HMO Exclusive Silver Standard
SanilacAmbetter$318Clear Silver
SchoolcraftBlue Cross Blue Shield$434Blue Cross® Preferred HMO Silver Saver
ShiawasseeAmbetter$318Clear Silver
St. ClairAmbetter$318Clear Silver
St. JosephAmbetter$318Clear Silver
TuscolaAmbetter$318Clear Silver
Van BurenAmbetter$318Clear Silver
WashtenawMolina$335Silver 12 with First 4 Primary Care Visits Free
WayneAmbetter$318Clear Silver
WexfordPriorityHealth$402MyPriority Premier Silver

How to Find the Cheapest Health Insurance in Michigan

Follow these steps to find affordable health insurance in Michigan:

  1. 1

    Determine what coverage plan you need and can afford

    Your coverage plan type and tier will differ widely depending on your personal health circumstances and income. Calculate how much income you can set aside for monthly premiums, considering your current health and risk for injury or disease based on location, age and lifestyle.

  2. 2

    Find out your subsidy eligibility

    People earning between $14,580 and $54,000 may qualify for premium tax credits, reducing costs by 40% to 100%. Those with incomes below 250% of the Federal Poverty Level ($36,450) can access cost-sharing reductions, decreasing out-of-pocket expenses up to 73%.

  3. 3

    Consider federal programs if old enough

    If you're of suitable age, explore Medicare Advantage plans and Medicare Supplement plans. These plans may offer more affordable and flexible alternatives to traditional plans.

  4. 4

    Review prescription formularies

    Review prescription coverages for medications you regularly take. Some insurers place common medications on lower tiers with reduced copays compared to competitors, potentially saving you hundreds annually.

  5. 5

    Compare plans during Open Enrollment

    Open Enrollment is from November 1 to January 15, with Special Enrollment available for job loss, divorce or childbirth. During this period, evaluate the types of coverage, customer ratings, costs and medical provider availability to ensure you choose the best plan for your needs.

mglogo icon
MONEYGEEK TIP: MAKE SURE TO APPLY PROMPTLY

To avoid technical issues, apply for coverage at least five days before the enrollment deadline. Prepare your income verification, Social Security numbers and immigration documents to ensure a smooth application process.

Most Affordable Health Insurance in Michigan: Bottom Line

Michigan's most affordable health insurance companies are Molina, Oscar, PriorityHealth, UnitedHealthcare and Health Alliance. While we recommend these options, you should compare as many plan types and tier quotes as possible from multiple companies to get the best deal.

Cheap Michigan Health Insurance: FAQ

Below are frequently asked questions about finding affordable health insurance in Michigan:

What is the cheapest health insurance in Michigan?

What are the downsides of a cheap health insurance plan?

How We Decided the Cheapest Health Insurance Companies in Michigan

MoneyGeek obtained data directly from the Centers for Medicare and Medicaid Services (CMS) on available health insurance plans in Michigan based on consumers aged 18, 26, 40, 50 and 60. 

We considered the cheapest overall to be those with the lowest monthly premium costs for 40-year-olds, as most in the state are near this age demographic, and for simplicity. However, cheaper plans tend to have higher out-of-pocket maximums and deductibles, meaning you may pay more if you receive care.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.


Copyright © 2025 MoneyGeek.com. All Rights Reserved