Compare affordable ACA and private health insurance plans in Michigan for 2026. Top carriers, metro pricing, and a Michigan-licensed agent — free.
We are not a Michigan state agency, not HealthCare.gov, and not affiliated with any government marketplace. Health Enrollment Center is operated by Sprinter Insurance Agency LLC.
Michigan uses the federal marketplace at HealthCare.gov and expanded Medicaid through the Healthy Michigan Plan, so lower-income adults are routed to Medicaid while marketplace subsidies serve those above that line. About 491,000 residents are covered through the marketplace for 2026, counting plan selections and auto-renewals.
The 2026 carriers include Blue Cross Blue Shield of Michigan and Blue Care Network, Priority Health, Meridian (Ambetter), McLaren, Oscar, and UnitedHealthcare. Michigan's provider map has been reshaped by mergers: metro Detroit is Henry Ford, Corewell Health (formerly Beaumont) and the DMC, while Grand Rapids is dominated by Corewell (formerly Spectrum) alongside University of Michigan Health-West and Trinity Health.
We're licensed in Michigan and quote its carriers directly. Below is how coverage works here — where Medicaid ends and marketplace subsidies begin — plus the metros and situations we help with most.
Michigan uses the federal marketplace, HealthCare.gov, rather than running its own exchange.
Michigan expanded Medicaid through the Healthy Michigan Plan, covering adults up to 138% of the poverty line — so lower-income residents may qualify for no-cost coverage while marketplace subsidies serve those above that line.
These companies offer individual and family health plans in Michigan. We're an independent agency, not an insurance company, and we don't offer every plan available here. Tell us which doctors and hospitals matter to you and we'll show you what we can quote.
Bronze, Silver, Gold and Platinum plans that cover all ten essential health benefits — with premium tax credits for about 4 in 5 enrollees.
Explore →Bridge coverage that can start as soon as tomorrow — for the gap between jobs, plans, or enrollment periods.
Explore →Just got a COBRA letter? Losing job-based coverage opens a 60-day Special Enrollment Period — and because COBRA carries no employer contribution and no premium tax credit, the alternative is often much cheaper.
Explore →Freelancers, contractors, gig workers and small-business owners — coverage that isn't tied to an employer, and may be tax-deductible.
Explore →Plans that scale with your household — pediatric dental and vision included, with networks that keep your kids' doctors in-network.
Explore →Retired before 65? Bridge the gap to 65 without paying retiree-plan or COBRA prices.
Explore →Don't see yours? Call a licensed agent — most answers take under two minutes.
A wave of mergers renamed several systems — Beaumont and Spectrum combined into Corewell Health, for example. That matters because a plan's network may list the old or new name, so we check the current contracts against the doctors you actually use.
No. Michigan uses the federal marketplace at HealthCare.gov. A licensed Michigan agent can enroll you in those same plans at no extra cost and also show you private off-marketplace options HealthCare.gov doesn't list.
No. We're a licensed insurance agency paid by the carriers, not by you. The premium of any plan is identical whether you enroll through us or directly with the insurer — you just also get an agent who handles renewals and claims questions.
No. Health Enrollment Center is a brand operated by Sprinter Insurance Agency LLC, a private licensed insurance agency. We are not HealthCare.gov, not a state exchange, and not affiliated with any government agency. We help you enroll in marketplace plans when they're the best fit, and we also show private plans the marketplace doesn't carry.
Start with your ZIP. Two quick questions, then a licensed agent brings you the plans you actually qualify for — no cost, no obligation.