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Michigan · 2026 plan year

Gold health insurance plans in Michigan (2026)

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
$2,000
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.

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.

Cost

What a Gold plan costs in Michigan in 2026

Across all 29 Gold plans in Michigan, monthly premiums run from $320 to $735, averaging $516. 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

Gold plan deductibles in Michigan

Gold deductibles in Michigan run from $0 to $2,100, with a median of $2,000 across the 27 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 $1,341 because the spread is not symmetric. Some Michigan Gold plans file a $0 deductible and charge copays from the first visit instead, which is what pulls the low end of that range to zero. 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

Gold out-of-pocket maximums in Michigan

Individual out-of-pocket maximums on Michigan Gold plans run from $6,500 to $9,200, with a median of $8,200. 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 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 averageDeductible range
Priority Health11$529$631$0–$2,000
Ambetter from Meridian6$320$344$0–$2,000
UnitedHealthcare4$425$433$1,500–$2,000
Blue Care Network of Michigan2$566$577$2,000–$2,050
Blue Cross Blue Shield of Michigan Mutual Insurance Company2$606$641$1,450–$2,000
McLaren Health Plan Community2$500$502$2,000–$2,100
Oscar Insurance Company2$380$399$2,000
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

Missouri
Avg $492
31 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 Michigan Gold 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 29 Gold plans in Michigan, out-of-pocket maximums run $6,500 to $9,200, and deductibles on the 27 plans with one combined deductible run $0 to $2,100. 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 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 — a median of $2,000 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 Michigan Gold plans?
Gold deductibles in Michigan run from $0 to $2,100 across the 27 plans with one combined deductible, with a median of $2,000 — 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 $6,500 to $9,200. 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 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 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 Gold premiums in Michigan start at $320 a month before any subsidy.

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