Michigan Health Insurance Plans
With a population of almost 9,900,000, Michigan is the 10th most populated state in the country. There are many factors that go into calculating the rate you pay for your health insurance. Below is a breakdown of how much other people in Michigan typically pay for coverage based on different factors.
Michigan Health Insurance Premium by Age
In Michigan, the typical customer 26 and younger will pay $177.36 per month while a person over 56 years old will pay over $383.74 per month.
Age Range Premiums
| Age Range | Premium |
|---|---|
| < 26 | $177.36 |
| 26 - 35 | $222.14 |
| 36 - 45 | $314.76 |
| 46 - 56 | $473.09 |
| > 56 | $383.74 |
Michigan Health Insurance Premium for Smokers vs. Non-Smokers
As with all states, customers in Michigan who smoke may pay a higher premium for their health insurance than those customers who are non-smokers. In Michigan, smokers pay $316.45 while non-smokers pay $377.52 on average.
Smoker vs. Non-Smoker
| Smoker? | Average of Health Premium |
|---|---|
| Non-Smoker | $377.52 |
| Smoker | $316.45 |
The most affordable health insurance premiums, by city, in Michigan
These cities had the most affordable health insurance premiums across Michigan in 2019.
Most Affordable City Premiums in Michigan Health Insurance
| City | Average of Health Premium |
|---|---|
| Shepherd | $151.96 |
| Interlochen | $172.58 |
| Canton | $172.58 |
| Chase | $172.58 |
| Troy | $202.75 |
| Ludington | $208.00 |
| Republic | $216.98 |
| Kentwood | $216.99 |
| Freeland | $216.99 |
| Coopersville | $216.99 |
| Portland | $216.99 |
| Harrison Township | $216.99 |
The most expensive health insurance premiums, by city, in Michigan
These cities had the most expensive health insurance premiums across Michigan in 2019.
Most Expensive City Premiums in Michigan Health Insurance
| City | Average of Health Premium |
|---|---|
| SouthField | $519.51 |
| Marenisco | $573.01 |
| Benton Harbor | $576.46 |
| Bear Lake | $599.63 |
| Milford | $617.34 |
| South Lyon | $641.78 |
| Clare | $672.22 |
| West Olive | $686.58 |
| West Bloomfield | $693.18 |
| Marquette | $706.54 |
When is open enrollment 2021 in Michigan?
Open enrollment periods do vary by state and insurance type. Michigan relies on the federal exchange of the Affordable Care Act. Residents may enroll for health insurance on HealthCare.gov. Michigan insurance companies that participate in the federal exchange include: Blue Care Network (HMO subsidiary of Blue Cross Blue Shield of Michigan), Blue Cross Blue Shield of Michigan, McLaren Health Plan, Meridian, Molina, Physicians Health Plan, Priority Health (HMO and POS), Total Healthcare USA, and Oscar Health. Michigan 2021 Open Enrollment is November 1, 2020 -December 15, 2020.
When is Medicare open enrollment 2021 in Michigan?
Medicare open enrollment dates also vary by state. Michigan 2021 Medicare Open Enrollment is October 15, 2020-December 7, 2020. The General Enrollment Period begins January 1, 2021 and will end March 31, 2021. The Medicare Advantage Open Enrollment Period is from January 1, 2021 to March 31, 2021
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