Silver health insurance plans in Michigan (2026)
There are 43 Silver plans on the Michigan Marketplace from 7 insurers, and they are not interchangeable — premiums run from $301 to $592 a month for the same metal tier. Here is what separates them.
Michigan Silver premiums rank 9th cheapest of 35.
Averaged across all 43 plans, Silver coverage in Michigan costs $464 a month before subsidies — 9th 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.
What a Silver plan costs in Michigan in 2026
Across all 43 Silver plans in Michigan, monthly premiums run from $301 to $592, averaging $464. 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.
Silver plan deductibles in Michigan
Silver deductibles in Michigan run from $2,000 to $7,000, with a median of $5,500 across all 43 plans — 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 $4,985 because the spread is not symmetric. 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.
Silver out-of-pocket maximums in Michigan
Individual out-of-pocket maximums on Michigan Silver plans run from $7,000 to $10,600, with a median of $8,900. 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.
The cheapest Silver plans in Michigan
| Plan | Premium / mo (age 21, pre-subsidy) | Deductible | Out-of-pocket max |
|---|---|---|---|
| Clear SilverAmbetter from Meridian | $301 | $7,000 | $7,000 |
| Standard SilverAmbetter from Meridian | $304 | $6,000 | $8,900 |
| Standard Silver + Vision + Adult DentalAmbetter from Meridian | $315 | $6,000 | $8,900 |
| Silver Classic StandardOscar Insurance Company | $369 | $6,000 | $8,900 |
| Silver Simple PCP SaverOscar Insurance Company | $369 | $5,500 | $9,800 |
Showing 5 of 43. See all Michigan Silver plans →
Silver plans by insurer
| Insurer | Silver plans | Cheapest | Tier average | Deductible range |
|---|---|---|---|---|
| Priority Health | 18 | $427 | $498 | $3,200–$6,000 |
| Blue Care Network of Michigan | 8 | $393 | $475 | $4,500–$6,000 |
| UnitedHealthcare | 5 | $397 | $405 | $2,900–$6,000 |
| Ambetter from Meridian | 3 | $301 | $307 | $6,000–$7,000 |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 3 | $537 | $552 | $3,200–$6,000 |
| McLaren Health Plan Community | 3 | $484 | $493 | $2,000–$6,000 |
| Oscar Insurance Company | 3 | $369 | $370 | $5,500–$6,000 |
How Silver compares to the rest
States with similar Silver premiums
Michigan Silver plans, answered
What are the copays on Michigan Silver plans?
Who is eligible for a Silver plan in Michigan?
What is the deductible on Michigan Silver plans?
Are Silver plans available in my Michigan county?
When can I enroll in a Marketplace plan in Michigan?
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