Michigan open enrollment 2027 Open enrollment · Michigan

Michigan Open Enrollment 2027 for People Over the Subsidy Line

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

Short answer

For people earning over the subsidy line 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. Above the line, a private, medically underwritten plan is priced on health instead of income, and if approved it can start the first of any month.

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.

The 2027 subsidy line is 400% of the federal poverty level: $63,840 for one person, $86,560 for two, $109,280 for three and $132,000 for four. One dollar over it and every Marketplace plan in Michigan is full price, at every metal level, with an out-of-pocket cap of $12,000 for one person and $24,000 for a family.

Michigan this year

Average Marketplace premiums in Michigan rise 14.5% for 2027, a final number. One large insurer anchors the market, with two strong regional competitors beside it. Households over the subsidy line pay that increase in full. Around Detroit and Ann Arbor, that's often automotive engineers and designers working on contract, frequently married to another professional. In Grand Rapids and Lansing, it's business owners and skilled-trade contractors with full order books. Up North, resort and seasonal business owners coming off good summers fit the description too. Choose a HealthCare.gov plan by December 15 for January 1 coverage; January 15, 2027 is the final day.

One thing to do before you choose

If you're an auto-industry contractor whose engagement could wrap up in 2027, arrange a fallback before you need it. A Marketplace plan through a special enrollment period is one route once job-based coverage ends. A private plan underwritten on health is the other, and it could take effect at the start of the following month if approved. Private plans aren't ACA Marketplace plans, and benefits differ from plan to plan, so I go through the details with you before anything is signed.

Your checklist

How far above the line your 2027 household income will land
The full-price Michigan premium at each metal level
Everyone's health, for a private quote
Doctors you want to keep, checked in every network

Private plan or Marketplace?

Private plan

Healthy and well above the line: priced on age, ZIP code and health instead of earnings. Approval depends on health answers; not an ACA Marketplace plan.

Marketplace

Ongoing care, or income you can bring back under the line: HealthCare.gov must accept you, and below the line the subsidy returns.

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.

My husband and I make about $95,000 together. Are we close enough to the line for it to matter?

Yes. For two people the 2027 line is $86,560, so you're less than $10,000 over. A raise or bonus moves you further away, while a slow year could put you under, where Marketplace help applies. I'd look at both cases and compare each one with a private plan priced on your health.

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.