Michigan open enrollment 2027 Open enrollment · Michigan

Michigan Open Enrollment 2027 for Individuals

Last updated November 3, 2026 · By Frank Caballero, licensed health insurance broker

Short answer

For individuals and couples buying their own coverage in Michigan, open enrollment for 2027 coverage runs November 1, 2026 to January 15, 2027 on HealthCare.gov, and December 15 is the date to choose by for a January 1 start. A private, medically underwritten plan works on its own clock: if approved, it can start the first of any month, whether or not the window is open.

What 2027 looks like for you

Michigan's average 2027 rate change is 14.5% (finalized). The details are on the Michigan 2027 premium increase page.

For 2027 the subsidy line is $63,840 for one person and $86,560 for a couple; above it, every metal level is full price. Bronze and catastrophic plans count as HSA-eligible starting with 2026 coverage, and the 2027 out-of-pocket cap is $12,000 for one person, which is the real worst case to compare.

Michigan this year

Michigan's individual rates for 2027 are set, up about 14.5 percent on average, and the market has more insurers than many states, including regional HMOs tied to hospital systems in Detroit, Grand Rapids and Lansing. That setup works well for a single adult who stays close to home and poorly for anyone who spends long stretches elsewhere. Michiganders use HealthCare.gov. The Upper Peninsula has very few options. With more plans in the mix, the spread between options at the same metal level is worth checking. Two people earning over $86,560 combined pay full price, with no state subsidy to soften it.

One thing to do before you choose

If you are under 65 and spend winters in Florida, open enrollment is the moment to check whether your Michigan plan covers more than emergencies down south. I am licensed in both states and can line up a wider-network plan next to your HMO renewal. Contract engineers between auto-industry projects should also pick coverage that will not lapse when a contract ends, since Michigan has no small-employer continuation law.

Your checklist

Each plan's network type in your Michigan ZIP code
The out-of-pocket maximum next to the premium
Your 2027 income against the one- or two-person line
Bronze with an HSA if you rarely need care

Private plan or Marketplace?

Private plan

Healthy single adults or couples above the line: priced on age, ZIP code and health. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

A health condition or income under the line: HealthCare.gov must accept you, and the subsidy can lower the price.

Compare Michigan plans this open enrollment

Private plans priced first, the Marketplace alongside when it fits. Phone or video, English or Spanish, no fee.

Get a quote Book a call (786) 218-2384

About your broker

Frank Caballero (NPN 21032307), licensed in 31 states including Michigan. Phone or video, English or Spanish, no fee; independent, not HealthCare.gov or any government agency.

Questions

When is the 2027 open enrollment deadline in Michigan?

January 15, 2027 on HealthCare.gov. Choose by December 15, 2026 for coverage that starts January 1; plans picked after that start February 1.

I left a Michigan shop with 12 employees. Can I stay on its group plan?

Usually not. Michigan has no state continuation law for shops below the size where federal COBRA applies, so plan on a Marketplace plan or another option. The end of that group coverage qualifies you to enroll mid-year, usually within 60 days, and while open enrollment is running you can simply choose a new plan on HealthCare.gov.

Can I get a private plan in Michigan after open enrollment closes?

Yes. You can apply in any month and, if approved, a private plan can start the first of a month; the insurer can decline based on health answers.

More for Michigan

Official sources: HealthCare.gov, the federal Marketplace; HealthCare.gov: special enrollment periods. 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.