Health insurance in Michigan
Insurers per county in Michigan run from 2 to 7. That is not one market, and the state average describes none of it.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. Figures cover the under-65 population.
Where you enroll
Michigan uses the federally facilitated marketplace, so you enroll at HealthCare.gov on the federal calendar — the dates are here.
Medicaid covers the bottom of the range in Michigan
Michigan expanded Medicaid, so there is no coverage gap here: adults under 138% of the poverty guideline — about $22,025 for one person — go to Medicaid rather than falling between it and the subsidy.
492,951 under-65 Michigan residents are uninsured all the same, 6.2% of them — 43rd of the 51 states and DC, and 0.6× the 26-state median of 9.9%.
Michigan is several markets, not one
Michigan is not one market. Its counties range from 2 insurers to 7 — a gap of 5. Someone at one end of the state is shopping in a genuinely different market from someone at the other, at the same age and the same income.
No county in Michigan is down to a single insurer. Since the previous plan year, 15 counties in Michigan gained an insurer and none lost one.
How many Michigan residents buy on the marketplace
497,064 Michigan residents selected a marketplace plan for 2026. Against the state's under-65 population that is 62 per thousand, below the 26-state median of 79, and 18th highest of the 26 states on this site.
Of those, 64,637 — 13% — were new rather than renewing, which is a fairly typical mix of new and renewing enrollees (20th of 26).
The spread inside Michigan
Wayne County is the largest county we publish here, with 1,431,358 under-65 residents; Eaton County is the smallest, with 85,802. Wayne County has 5 insurers offering 64 plans, and Eaton County has 4 offering 42.
The widest choice in Michigan is in Kent County — 7 insurers, 80 plans. The narrowest is Saginaw County, with 4 insurers and 42 plans. Same state, same rules, 38 more plans to choose from.
Uninsured rates range from 3.9% in Livingston County to 7.6% in Berrien County — 1.9 times as high, within one state.
The 19 largest counties in Michigan
By under-65 population, covering 78% of the state's under-65 residents. Michigan has 83 counties with complete federal data; we publish pages for the largest.
| County | Under 65 | Uninsured | Insurers | Plans | Per 1,000 |
|---|---|---|---|---|---|
| Wayne County | 1,431,358 | 6.8% | 5 | 64 | 82 |
| Oakland County | 1,039,644 | 4.9% | 5 | 64 | 70 |
| Macomb County | 712,514 | 6.2% | 5 | 64 | 78 |
| Kent County | 561,326 | 6.2% | 7 | 80 | 49 |
| Genesee County | 320,188 | 6.5% | 6 | 64 | 46 |
| Washtenaw County | 294,930 | 4.8% | 5 | 59 | 48 |
| Ottawa County | 247,015 | 5.2% | 6 | 67 | 50 |
| Ingham County | 230,851 | 6.6% | 5 | 51 | 43 |
| Kalamazoo County | 216,062 | 5.9% | 6 | 72 | 43 |
| Livingston County | 155,614 | 3.9% | 4 | 50 | 53 |
| Saginaw County | 142,977 | 6.4% | 4 | 42 | 48 |
| Muskegon County | 140,022 | 5.8% | 5 | 50 | 48 |
| St. Clair County | 126,050 | 5.8% | 5 | 51 | 52 |
| Monroe County | 123,647 | 5.0% | 4 | 46 | 44 |
| Jackson County | 120,964 | 6.0% | 5 | 59 | 46 |
| Berrien County | 116,649 | 7.6% | 4 | 42 | 59 |
| Calhoun County | 106,849 | 6.8% | 6 | 72 | 40 |
| Allegan County | 98,623 | 6.4% | 5 | 59 | 56 |
| Eaton County | 85,802 | 5.4% | 4 | 42 | 46 |
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. "Per 1,000" is marketplace plan selections per thousand under-65 residents.
Compare all 26 states · How the credit works · Enrollment dates