SimpliveraCoverage Companion
Michigan · 2026 plan year

Bronze health insurance plans in Michigan

There are 40 Bronze plans on the Michigan Marketplace from 6 insurers, and they are not interchangeable — premiums run from $270 to $409 a month for the same metal tier. Here is what separates them.

40
Bronze plans
6
Insurers
83
Counties covered
$270
Cheapest premium
$7,939
Average deductible
These are benchmark premiums, not your price. Every dollar figure here is the individual rate at age 21 for a non-tobacco user, before any premium tax credit — the standard way plans are compared like for like. What you actually pay depends on your age, county, household and income. Estimate your real cost.

Michigan Bronze deductibles run 18% above the national median.

The average Bronze deductible here is $7,939, against a $6,710 median across the 30 states in this tier. A lower premium in this state is more likely to be buying you a higher deductible than it would elsewhere.

Every Michigan Bronze plan is HSA-eligible.

All 40 Bronze plans here meet the IRS high-deductible rules, so any of them can be paired with a health savings account — letting you set aside pre-tax money against the deductible, which averages $7,939 in this tier.

Metal tiers describe roughly what share of covered costs a plan pays, not the quality of its care or network. How the metal tiers actually differ walks through the trade, and how ACA subsidies work explains why the prices below are rarely what anyone pays.

Lowest premiums

The cheapest Bronze plans in Michigan

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Blue Cross® Local HMO Bronze SecureBlue Care Network of Michigan$270$10,600$10,600
Bronze Classic StandardOscar Insurance Company$279$7,500$10,000
Bronze Classic 4700Oscar Insurance Company$288$4,700$9,100
Blue Cross® Select HMO Bronze SecureBlue Care Network of Michigan$294$10,600$10,600
UHC Bronze Essential (No Referrals)UnitedHealthcare$296$10,600$10,600

Showing 5 of 40. See all Michigan Bronze plans →

Who sells here

Bronze plans by insurer

InsurerBronze plansCheapestTier average
Priority Health19$297$350
Blue Care Network of Michigan8$270$323
UnitedHealthcare4$296$310
Blue Cross Blue Shield of Michigan Mutual Insurance Company3$347$379
McLaren Health Plan Community3$326$344
Oscar Insurance Company3$279$291
Other tiers in Michigan

How Bronze compares to the rest

Bronze
Avg $338 · from $270
40 plans · you are here
Silver
Avg $464 · from $301
43 plans
Gold
Avg $516 · from $320
29 plans

All MichiganMarketplace plans →

Nearby on price

States with similar Bronze premiums

North Dakota
Avg $336
18 Bronze plans
Indiana
Avg $343
24 Bronze plans
Utah
Avg $349
14 Bronze plans
Common questions

Michigan Bronze plans, answered

What are the copays on a Michigan Bronze plan?
Copays vary plan by plan rather than by tier — the metal level sets roughly what share of total care costs the plan covers, not the individual amounts. Across the 40 Bronze plans in Michigan, deductibles average $7,939 and the out-of-pocket maximum averages $9,490. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Bronze plan in Michigan?
Any Michigan Marketplace shopper can choose Bronze. It carries the lowest premiums and the highest deductibles, and it is the tier most often paired with a health savings account. One trade-off worth knowing: choosing Bronze rather than Silver forfeits cost-sharing reductions entirely if your income would have qualified you for them.
What is the deductible on a Michigan Bronze plan?
The average across all 40 Bronze plans in Michigan is $7,939, with an average out-of-pocket maximum of $9,490. The range within the tier is wide, so two plans at a similar premium can differ by thousands in what you would actually pay during a year with significant care. Deductible is usually a better basis for comparison than premium alone.
Are Bronze plans available in my Michigan county?
Bronze plans are sold in 83 Michigan counties, from 6 insurers. Which specific plans you can buy depends on where you live — a plan offered in a metro county is often not sold in a rural one. Enter your ZIP code to narrow the list to plans actually available to you.
When can I enroll in a Michigan Marketplace plan?
Michigan uses the federal Marketplace, so open enrollment runs November 1 to January 15. Outside that window you need a qualifying life event — losing job-based coverage, moving, marriage, or a birth — to open a special enrollment period. Cheapest Bronze premiums in Michigan start at $270 a month before any subsidy.

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