Michigan Open Enrollment for 2027 Coverage
Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker
Short answer
Open enrollment for 2027 coverage in Michigan runs November 1, 2026 to January 15, 2027 on HealthCare.gov. Enroll by December 15 for coverage that starts January 1; plans picked December 16–January 15 start February 1. Private, medically underwritten plans don't use the window: if approved, they can start the first of any month.
Key dates for Michigan
| What | HealthCare.gov |
|---|---|
| Open enrollment opens | November 1, 2026 |
| Open enrollment closes | January 15, 2027 |
| Deadline for a January 1, 2027 start | December 15, 2026 |
| Plans picked December 16 to January 15 | Start February 1, 2027 |
| Private plans | Any month, if approved |
Michigan at a glance
- Where Michigan buys Marketplace plans: HealthCare.gov, the federal Marketplace
- 2027 average rate change: 14.5% (finalized)
- Small-group average change: about 10%
- Largest metro areas: Detroit, Grand Rapids, Lansing and Ann Arbor
- Medicaid expansion: Yes (a separate program, not tied to this window)
What changed for 2027
Michigan's 14.5 percent is finalized, and small-group plans rise about 10 percent. Michigan has more insurers than many states, so the spread between plans at the same metal level is worth checking each year. More detail is on the Michigan 2027 premium increase page.
For Michigan households buying 2027 coverage, the Marketplace premium tax credit stops at 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. The repayment caps were removed starting with tax year 2026, so any excess advance credit is repaid in full on Form 8962. General information, not tax advice — confirm with your CPA based on your specific entity structure.
Who this year's window matters for in Michigan
Michigan's market leans on regional HMOs tied to hospital systems in Detroit, Grand Rapids and Lansing. That works well at home and poorly for the many Michiganders under 65 who winter in Florida, so if you split the year, open enrollment is the moment to check whether your plan covers more than emergencies down south. I am licensed in both states.
Self-employed work that is common in Michigan, and the people I most often help there: automotive engineering and design contractors, skilled trades and construction, real estate agents, owner-operator truck drivers, fruit and dairy farm families on the west side, and tourism and seasonal businesses Up North.
Before you renew in Michigan
Contract engineers and other 1099 workers in Michigan's auto industry should think about income between projects: a plan that does not lapse when a contract ends matters more than a small premium difference. Detroit-area households near the Ohio line, and Upper Peninsula families who use Wisconsin hospitals, should confirm that the network reaches where they get care.
Should you renew, switch, or look at private?
Auto-renew risk
Do nothing and HealthCare.gov re-enrolls you at the new 2027 price, 14.5% higher on average in Michigan.
Healthy, income above the line
Price a private plan in Michigan too. If approved, it can start the first of any month, with no wait for Michigan's window.
Health conditions or subsidy-eligible income
Use the Marketplace. HealthCare.gov plans can't decline you or charge more for your health.
Checklist before you pick a plan
- Your Michigan renewal notice
- The new 2027 premium and deductible
- Doctors and prescriptions still in network, including any care in Detroit or Grand Rapids
- Your 2027 income estimate
Missed it?
After Michigan's window closes, a Marketplace plan needs a special enrollment event: losing other coverage, a move, marriage or a baby, generally within 60 days, through HealthCare.gov. Check with Can I enroll now? or the missed open enrollment guide.
Leaving a job in Michigan? Michigan has no state continuation law for small employer plans, so people leaving an employer with fewer than 20 workers generally lose group coverage when the job ends, while federal COBRA still applies at larger employers.
Short-term plans, if you only need a bridge: Michigan limits short-term plans to 185 days in any 365-day period, with no renewals or extensions past that, regardless of the federal enforcement pause. They are not Marketplace coverage.
In Michigan, a private, medically underwritten plan needs no event. If approved, it starts the first of a month; approval is not guaranteed.
Compare Michigan plans before you renew
Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.
About your broker
Frank Caballero (NPN 21032307) is a health insurance broker licensed in 31 states including Michigan. Phone or video, English or Spanish, no fee. BBB Accredited (A) and rated 4.9 on Google from 78 reviews. He is independent, not HealthCare.gov or a government agency.
Michigan open enrollment questions
When does open enrollment end in Michigan for 2027?
January 15, 2027, on HealthCare.gov, the federal Marketplace. Pick a plan by December 15 for a January 1 start in Michigan.
What happens if I miss the December 15 deadline in Michigan?
You can still enroll through January 15, but a plan picked after December 15 starts February 1.
Can I get a private plan in Michigan outside open enrollment?
Yes. In Michigan you can apply in any month, and if approved, a private, medically underwritten plan starts the first of a month; the insurer can decline based on health.
Will I be auto-renewed in Michigan?
Usually, at the 2027 price: 14.5% higher on average.
Is there a fee to use a broker in Michigan?
No. Michigan clients pay nothing; the insurance company pays the broker, and Marketplace premiums are the same with or without one.
I spend winters in Florida. Does my Michigan plan cover me there?
Many Michigan HMO plans cover only emergencies outside Michigan. A plan with a broader network can cover care in both states. Networks vary by plan, so check before you renew.
More for Michigan
Open enrollment in nearby states
Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. HealthCare.gov is the federal Marketplace. FC Insurance Solutions is an independent, licensed brokerage and is not affiliated with any government agency.
Written by Frank Caballero, licensed health insurance broker in Michigan and 30 other states, NPN 21032307. Last updated November 3, 2026.