Best health Insurance plans in
Michigan
in 2025

Explore the essential plans information for your state and see how Venteur can help you save money and empower your employees with better benefits through ICHRA.

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Market overview
10

Health insurance carriers on the marketplace

225

Plans available on the marketplace

6%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Michigan
Plans

Discover the best health plans in Michigan

BlueCross BlueShield of Michigan
Bronze
HMO
$
$
253.34
/mo
/mo

Blue Cross Local HMO Bronze Secure

Deductible:
In-Network: $9,450 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered
BlueCross BlueShield of Michigan
Gold
PPO
$
$
697.22
/mo
/mo

Blue Cross Premier PPO Gold Extra

Deductible:
In-Network: $1,500 / Out-of-Network: $3,000
Primary Care Visits:
In-Network: $30 / Out-of-Network: 45% after deductible
Generic Drugs:
In-Network: $15 per script / Out-of-Network: 100% | limit: see carrier documentation for more information
Meridian Choice
Silver
HMO
$
$
349.78
/mo
/mo

Silver 201 HSA

Deductible:
In-Network: $5,800 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Insurance providers available in Michigan

How it works

Get these plans for my team

1

Sign up for Venteur ICHRA

Venteur’s ICHRA for companies empower employees to protect their health and be their best with flexible, individualized plans that are easy to understand and highly protective.

2

Set a budget

Take control of your benefits strategy with Venteur's user-friendly interface, allowing you to dial in your plan with precision and flexibility, ensuring it aligns perfectly with your company's unique needs and goals.

3

Employees pick their own plan from the marketplace

Launch your benefits to your employees through Venteur's platform, providing them with immediate access to comprehensive coverage and resources tailored to their well-being.

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Taking down group plans one premium at a time

*
Venteur
ICHRA magic
-
Group Plan
Ho-hum
Responsibility taken by the individual market plan
Personalized plan choices
Easy and flexible plan design
Control over premium increases
No minimums for participation

FAQs

You got questions. We got answers!

How to get health insurance in Michigan?

You can obtain health insurance in Michigan through the Health Insurance Marketplace at Healthcare.gov, directly from Venteur-affiliated insurance companies, or via your employer. Michigan residents may also qualify for Medicaid or Medicare programs. For personalized assistance, you can work with a licensed insurance agent or use Venteur's platform to explore individual coverage options.

How much is health insurance in Michigan?

The average cost of health insurance in Michigan is $6,807 per person annually, which is slightly below the national average. However, costs can vary significantly based on factors such as age, plan type, and coverage level. For small businesses, SHOP marketplace premiums range from $157.92 to $801.73 per month, depending on the employee's age and chosen metal tier.

‍

How many options for healthcare providers are available in Michigan?

Michigan offers a wide range of health insurance providers, including major carriers like Blue Cross Blue Shield of Michigan, HAP, McLaren Health Plan, and Physicians Health Plan — all Venteur-affiliated partners. The state's Health Insurance Marketplace features multiple plan options from these insurers. Additionally, Michigan has numerous Medicare Advantage plans and Medicaid managed care organizations available to eligible residents.

Is short-term health insurance available for purchase in Michigan?

Yes, short-term health insurance plans are available for purchase in Michigan. These plans offer temporary coverage for up to three months, with the option to renew for one additional month. Starting September 1, 2024, the maximum term for short-term health insurance in Michigan will be reduced from 12 months to three months, with a possible one-month renewal.

‍

When did Medicaid expansion take effect in Michigan?

Medicaid expansion in Michigan, known as the Healthy Michigan Plan, took effect on April 1, 2014. This expansion extended Medicaid coverage to adults with incomes up to 138% of the Federal Poverty Level. As of June 2024, approximately 742,156 Michiganders were covered under the ACA Medicaid expansion.

What Michigan health insurance resources are available for Michigan residents?

Michigan residents can access various health insurance resources, including the Michigan Department of Insurance and Financial Services (DIFS) website for consumer information. The Michigan Health Insurance Consumer Assistance Program (HICAP) provides assistance with insurance questions and problems. Additionally, LocalHelp.HealthCare.gov offers in-person assistance for Marketplace applications, and MI Bridges provides information on Medicaid and other state health programs.

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What is Venteur

Explore the best human-first Health Insurance platform

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Simple, personalized health benefits

Sign up in minutes, define your contribution, and let your employees choose the health plan that works right for them

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Integrations to make everything run smoothly

We'll connect with your payroll and finance systems to make deductions and premium payments seamless

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Easy onboarding and off-boarding

In just a few clicks, add your roster and make updates on the fly. We'll handle it from there.

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Venteur Certified Brokers to help your employees pick the right plan

Our trusted brokers ensure the best outcomes for employees and employers by unlocking health savings and providing unrivaled plan options.

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AI-powered plan recommendations to give you confidence while you shop

Backed by 30 years of healthcare data, Venteur’s AI helps employees compare and choose the best plan for their unique situation.

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Compliance and reporting because no-duh!

Venteur manages plan administration, reporting, and compliance so you can focus on growing your business.

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See the platform

Discover the best health plans in Michigan

BlueCross BlueShield of Michigan
Bronze
HMO
$
$
253.34
/mo
/mo

Blue Cross Local HMO Bronze Secure

Deductible:
In-Network: $9,450 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered
BlueCross BlueShield of Michigan
Gold
PPO
$
$
697.22
/mo
/mo

Blue Cross Premier PPO Gold Extra

Deductible:
In-Network: $1,500 / Out-of-Network: $3,000
Primary Care Visits:
In-Network: $30 / Out-of-Network: 45% after deductible
Generic Drugs:
In-Network: $15 per script / Out-of-Network: 100% | limit: see carrier documentation for more information
Meridian Choice
Silver
HMO
$
$
349.78
/mo
/mo

Silver 201 HSA

Deductible:
In-Network: $5,800 / Out-of-Network: Not Covered
Primary Care Visits:
In-Network: $0 after deductible / Out-of-Network: Not Covered
Generic Drugs:
In-Network: $0 after deductible / Out-of-Network: Not Covered

Quotes are based on pricing for a 30-year-old male. Specific plans may not be available in all counties within the state. Plan details are for illustration purposes only.

Plans
10

Health insurance carriers on the marketplace

225

Plans available on the marketplace

6%

Est. savings for Venteur customers*

% savings compared to group plans are estimates and may vary significantly

Insurance providers available in Michigan