SimpliveraCoverage Companion
Michigan · 2026 plan year

Gold health insurance plans in Michigan

There are 29 Gold plans on the Michigan Marketplace from 7 insurers, and they are not interchangeable — premiums run from $320 to $735 a month for the same metal tier. Here is what separates them.

29
Gold plans
7
Insurers
68
Counties covered
$320
Cheapest premium
$1,248
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.

The priciest Gold plan in Michigan costs 2.3× the cheapest.

Gold plans here run from $320 to $735 a month for the same actuarial tier. Metal level sets roughly what share of your care is covered, not what you pay for it — so the tier label alone tells you very little about which of these 29 plans is right for you.

Gold coverage does not reach every Michigan county.

Gold plans are sold in 68 of the 83 Michigan counties where Marketplace coverage is available at all. Which plans you can actually buy depends on where you live, so check your ZIP before comparing anything on this page.

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 Gold plans in Michigan

PlanPremium / mo (age 21, pre-subsidy)DeductibleOut-of-pocket max
Standard GoldAmbetter from Meridian$320$2,000$8,200
Everyday GoldAmbetter from Meridian$325$800$7,250
Standard Gold + Vision + Adult DentalAmbetter from Meridian$332$2,000$8,200
Everyday Gold + Vision + Adult DentalAmbetter from Meridian$337$800$7,250
Elite GoldAmbetter from Meridian$367$0$6,500

Showing 5 of 29. See all Michigan Gold plans →

Who sells here

Gold plans by insurer

InsurerGold plansCheapestTier average
Priority Health11$529$631
Ambetter from Meridian6$320$344
UnitedHealthcare4$425$433
Blue Care Network of Michigan2$566$577
Blue Cross Blue Shield of Michigan Mutual Insurance Company2$606$641
McLaren Health Plan Community2$500$502
Oscar Insurance Company2$380$399
Other tiers in Michigan

How Gold compares to the rest

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

All MichiganMarketplace plans →

Nearby on price

States with similar Gold premiums

New Hampshire
Avg $497
34 Gold plans
Oregon
Avg $516
18 Gold plans
Utah
Avg $527
18 Gold plans
Common questions

Michigan Gold plans, answered

What are the copays on a Michigan Gold 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 29 Gold plans in Michigan, deductibles average $1,248 and the out-of-pocket maximum averages $8,210. Open any plan below to see its full cost-sharing schedule, including primary care, specialist and prescription tiers.
Who is eligible for a Gold plan in Michigan?
Any Michigan Marketplace shopper can choose Gold. It suits people who expect steady ongoing care, since the higher premium buys a much lower deductible — averaging $1,248 in this tier. If your income qualifies you for cost-sharing reductions, compare against Silver before deciding, since those only apply to Silver.
What is the deductible on a Michigan Gold plan?
The average across all 29 Gold plans in Michigan is $1,248, with an average out-of-pocket maximum of $8,210. 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 Gold plans available in my Michigan county?
Gold plans are sold in 68 Michigan counties, from 7 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 Gold premiums in Michigan start at $320 a month before any subsidy.

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