Michigan Health Insurance Plans

2026 Subsidy-eligible and Off-Exchange plans

199 plans across the state

Obamacare (On-Exchange) plans

Subsidy-eligible plans sold through the federal Marketplace. Prices shown are before any tax credit.

MHP Bronze
by McLaren Health Plan Community
Bronze HSA eligible HMO
Deductible · ind / family
$8,250 / $16,500
Out-of-pocket max · ind / family
$10,150 / $20,300
Bronze Classic 4700
by Oscar Insurance Company
Bronze HSA eligible EPO
Deductible · ind / family
$4,700 / $9,400
Out-of-pocket max · ind / family
$9,100 / $18,200
Silver Classic
by Oscar Insurance Company
Silver EPO
Deductible · ind / family
$5,600 / $11,200
Out-of-pocket max · ind / family
$8,400 / $16,800
Standard Silver
by Meridian Health Plan of Michigan, Inc.
Silver HMO
Deductible · ind / family
$6,000 / $12,000
Out-of-pocket max · ind / family
$8,900 / $17,800
Clear Silver
by Meridian Health Plan of Michigan, Inc.
Silver HMO
Deductible · ind / family
$7,000 / $14,000
Out-of-pocket max · ind / family
$7,000 / $14,000
MHP Gold
by McLaren Health Plan Community
Gold HMO
Deductible · ind / family
$2,100 / $4,200
Out-of-pocket max · ind / family
$8,000 / $16,000
MHP Gold Standard
by McLaren Health Plan Community
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Elite Gold
by Meridian Health Plan of Michigan, Inc.
Gold HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$6,500 / $13,000
Standard Gold
by Meridian Health Plan of Michigan, Inc.
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$8,200 / $16,400
Everyday Gold
by Meridian Health Plan of Michigan, Inc.
Gold HMO
Deductible · ind / family
$800 / $1,600
Out-of-pocket max · ind / family
$7,250 / $14,500
Blue Cross® Premier PPO Value
by Blue Cross Blue Shield of Michigan Mutual Insurance Company
Catastrophic HSA eligible PPO
Deductible · ind / family
$10,600 / $21,200
Out-of-pocket max · ind / family
$10,600 / $21,200

Off-Exchange plans

Plans sold directly by the carriers, outside the federal Marketplace. These are not eligible for a subsidy tax credit.

Elite Bronze
by Meridian Health Plan of Michigan, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$0 / $0
Out-of-pocket max · ind / family
$10,500 / $21,000
Everyday Bronze
by Meridian Health Plan of Michigan, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$8,450 / $16,900
Out-of-pocket max · ind / family
$10,150 / $20,300
Standard Expanded Bronze
by Meridian Health Plan of Michigan, Inc.
Bronze HSA eligible HMO
Deductible · ind / family
$7,500 / $15,000
Out-of-pocket max · ind / family
$10,000 / $20,000
Silver 201 HSA
by Meridian Health Plan of Michigan, Inc.
Silver HSA eligible HMO
Deductible · ind / family
$5,800 / $11,600
Out-of-pocket max · ind / family
$5,800 / $11,600
Clarity Silver
by Meridian Health Plan of Michigan, Inc.
Silver HMO
Deductible · ind / family
$6,300 / $12,600
Out-of-pocket max · ind / family
$10,600 / $21,200
Silver 203
by Meridian Health Plan of Michigan, Inc.
Silver HMO
Deductible · ind / family
$4,450 / $8,900
Out-of-pocket max · ind / family
$7,250 / $14,500
Gold 201 HSA
by Meridian Health Plan of Michigan, Inc.
Gold HSA eligible HMO
Deductible · ind / family
$3,400 / $6,800
Out-of-pocket max · ind / family
$3,400 / $6,800
Gold 202
by Meridian Health Plan of Michigan, Inc.
Gold HMO
Deductible · ind / family
$2,000 / $4,000
Out-of-pocket max · ind / family
$6,000 / $12,000

Frequently asked questions

What are Obamacare health insurance plans?

Obamacare plans are eligible for reduced costs through a subsidy tax credit. They're offered only through the federal marketplace (healthcare.gov) or a state's own exchange — but certified brokers, agents, and web brokers can help you enroll and apply for a subsidy.

What are Off-Exchange health insurance plans?

Off-Exchange plans are available outside the federal marketplaces and existed before Obamacare. You can enroll through a broker, agent, web broker, or directly with the insurance company.

What's the difference between Obamacare and Off-Exchange plans?

The main difference is that only Obamacare plans are eligible for a subsidy tax credit. Otherwise, plan design, coverage, and rates are similar, and both must follow federal regulations.

How do I choose the plan that's best for me and my family?

Understand a few key concepts first — premium price, out-of-pocket costs, deductibles, and metal levels. Our choosing-a-plan FAQ explains each one.

FAQs — choosing a health insurance plan →