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.
Most Affordable Health Insurance in Michigan
Updated: June 9, 2025
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Key Takeaways
Molina offers Michigan's most affordable health insurance, saving policyholders an average of $309 per month compared to the state average.
Molina offers top-rated full coverage Gold plans, with affordable pricing starting at $385 monthly.
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 | $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
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Age:40
| Blue Cross Blue Shield | Blue 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.
| Alcona | Ambetter | $318 | Clear Silver |
| Alger | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Allegan | PriorityHealth | $412 | MyPriority Premier Silver Corewell Health West Michigan Network |
| Alpena | Ambetter | $318 | Clear Silver |
| Antrim | PriorityHealth | $402 | MyPriority Premier Silver |
| Arenac | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Baraga | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Barry | PriorityHealth | $412 | MyPriority Premier Silver Corewell Health West Michigan Network |
| Bay | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Benzie | PriorityHealth | $402 | MyPriority Premier Silver |
| Berrien | Ambetter | $318 | Clear Silver |
| Branch | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Calhoun | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Cass | Ambetter | $318 | Clear Silver |
| Charlevoix | PriorityHealth | $402 | MyPriority Premier Silver |
| Cheboygan | Ambetter | $318 | Clear Silver |
| Chippewa | Ambetter | $318 | Clear Silver |
| Clare | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Clinton | Ambetter | $318 | Clear Silver |
| Crawford | Ambetter | $318 | Clear Silver |
| Delta | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Dickinson | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Eaton | Ambetter | $318 | Clear Silver |
| Emmet | PriorityHealth | $402 | MyPriority Premier Silver |
| Genesee | Ambetter | $318 | Clear Silver |
| Gladwin | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Gogebic | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Grand Traverse | PriorityHealth | $402 | MyPriority Premier Silver |
| Gratiot | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Hillsdale | Ambetter | $318 | Clear Silver |
| Houghton | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Huron | Ambetter | $318 | Clear Silver |
| Ingham | Ambetter | $318 | Clear Silver |
| Ionia | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Iosco | Ambetter | $318 | Clear Silver |
| Iron | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Isabella | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Jackson | Ambetter | $318 | Clear Silver |
| Kalamazoo | UnitedHealthcare | $367 | UHC Silver Virtual First (Disponible en espanol) |
| Kalkaska | PriorityHealth | $402 | MyPriority Premier Silver |
| Kent | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Keweenaw | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Lake | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Lapeer | Ambetter | $318 | Clear Silver |
| Leelanau | PriorityHealth | $402 | MyPriority Premier Silver |
| Lenawee | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Livingston | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Luce | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Mackinac | Ambetter | $318 | Clear Silver |
| Macomb | Ambetter | $318 | Clear Silver |
| Manistee | PriorityHealth | $402 | MyPriority Premier Silver |
| Marquette | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Mason | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Mecosta | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Menominee | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Midland | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Missaukee | PriorityHealth | $402 | MyPriority Premier Silver |
| Monroe | Ambetter | $318 | Clear Silver |
| Montcalm | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Montmorency | Ambetter | $318 | Clear Silver |
| Muskegon | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Newaygo | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Oakland | Ambetter | $318 | Clear Silver |
| Oceana | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Ogemaw | Ambetter | $318 | Clear Silver |
| Ontonagon | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Osceola | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Oscoda | Ambetter | $318 | Clear Silver |
| Otsego | Ambetter | $318 | Clear Silver |
| Ottawa | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Presque Isle | Ambetter | $318 | Clear Silver |
| Roscommon | Ambetter | $318 | Clear Silver |
| Saginaw | Physicians Health Plan | $416 | Physicians Health Plan HMO Exclusive Silver Standard |
| Sanilac | Ambetter | $318 | Clear Silver |
| Schoolcraft | Blue Cross Blue Shield | $434 | Blue Cross® Preferred HMO Silver Saver |
| Shiawassee | Ambetter | $318 | Clear Silver |
| St. Clair | Ambetter | $318 | Clear Silver |
| St. Joseph | Ambetter | $318 | Clear Silver |
| Tuscola | Ambetter | $318 | Clear Silver |
| Van Buren | Ambetter | $318 | Clear Silver |
| Washtenaw | Molina | $335 | Silver 12 with First 4 Primary Care Visits Free |
| Wayne | Ambetter | $318 | Clear Silver |
| Wexford | PriorityHealth | $402 | MyPriority Premier Silver |
How to Find the Cheapest Health Insurance in Michigan
Follow these steps to find affordable health insurance in Michigan:
- 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
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
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
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
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.
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?
Molina provides the most affordable health insurance in the state, with Silver plans as low as $291 for 40-year-olds. Additionally, you may find reasonable options with PriorityHealth, Health Alliance, Oscar and UnitedHealthcare.
What are the downsides of a cheap health insurance plan?
Compared to higher-priced plans, cheap health insurance has higher out-of-pocket costs, including deductibles and copays. More expensive plans reduce out-of-pocket expenses and offer more extensive health care coverage.
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, 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.