SimpliveraCoverage Companion
Michigan · 2026 plan year

Bronze health insurance plans in Michigan (2026)

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
$7,500
Median 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.

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, a median of $7,500 in this tier.

Michigan Bronze premiums rank 6th cheapest of 35.

Averaged across all 40 plans, Bronze coverage in Michigan costs $338 a month before subsidies — 6th lowest of the 35 states with federal-marketplace data. Premiums vary far more by county and age than this single number suggests.

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.

Cost

What a Bronze plan costs in Michigan in 2026

Across all 40 Bronze plans in Michigan, monthly premiums run from $270 to $409, averaging $338. Those are age-21, non-tobacco rates before any subsidy — the basis every figure on this page uses, and rarely what anyone actually pays. Premium tax credits cut that bill for most Michigan enrollees, often to a fraction of the sticker price.

Deductibles

Bronze plan deductibles in Michigan

Bronze deductibles in Michigan run from $4,700 to $10,600, with a median of $7,500 across the 38 plans with one combined deductible — the amount you pay yourself before the plan starts sharing most costs. The median is the closest thing to a typical plan; the mean sits at $8,357 because the spread is not symmetric. The other 2 set a separate deductible for prescription drugs, so their medical deductible alone would understate what you pay; they are left out of these figures, and the table below shows both deductibles where a plan has two. No single figure is a quote — the table below shows the real deductible on each of the cheapest plans, and the insurer breakdown shows how the range splits by carrier.

Out-of-pocket maximum

Bronze out-of-pocket maximums in Michigan

Individual out-of-pocket maximums on Michigan Bronze plans run from $7,500 to $10,600, with a median of $10,000. That is the ceiling on what a plan can make you pay in a year for covered in-network care — after you reach it, the plan pays 100% of covered services. It is the number that matters most in a bad year, and the top of the range here is set by the federal limit that applies to every Marketplace plan, not by the insurer.

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 averageDeductible range
Priority Health19$297$350$7,500–$9,500
Blue Care Network of Michigan8$270$323$7,500–$10,600
UnitedHealthcare4$296$310$7,500–$10,600
Blue Cross Blue Shield of Michigan Mutual Insurance Company3$347$379$7,500–$10,600
McLaren Health Plan Community3$326$344$7,500–$8,500
Oscar Insurance Company3$279$291$4,700–$7,500
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 Michigan Bronze plans?
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. What the tier does bound is the rest of the cost-sharing: across the 40 Bronze plans in Michigan, out-of-pocket maximums run $7,500 to $10,600, and deductibles on the 38 plans with one combined deductible run $4,700 to $10,600. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. 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 Michigan Bronze plans?
Bronze deductibles in Michigan run from $4,700 to $10,600 across the 38 plans with one combined deductible, with a median of $7,500 — that median is the figure closest to a typical plan. The other 2 set a separate deductible for prescription drugs and are not included in the deductible figures. Out-of-pocket maximums run $7,500 to $10,600. The spread inside a single 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 Marketplace plan in Michigan?
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.

Stop comparing sticker prices.
See what you would actually pay.

Simplivera simulates a full year of your real costs across all 40 Michigan Bronze plans.

Estimate my costs — it’s free →