How to Get Affordable Health Insurance in Michigan | 2025 Guide
- Aura Insure
- Jul 21
- 2 min read
How to Get Affordable Health Insurance in Michigan
If you're looking for affordable health insurance in Michigan, you're not alone. Whether you've lost Medicaid, left your job, or simply need new coverage, the ACA Marketplace offers plans that may cost as little as $0/month. This guide explains your options, how to apply, and what plans are available across Michigan.
1. Who Qualifies for ACA Health Insurance in Michigan?
You may qualify for ACA health coverage in Michigan if:
You're a U.S. citizen or legal resident
You live in Michigan
You're not eligible for Medicaid or employer coverage
Your income meets ACA eligibility requirements
Michigan Income Guidelines (2025):
A single adult making between $15,000 and $58,000 may qualify. A family of four earning up to $120,000 may also receive premium subsidies.
2. How to Apply for ACA Insurance in Michigan
Getting coverage is simple:
Enter your zip code and estimated household income
View eligible plans and subsidies
Compare monthly premiums, copays, and deductibles
Choose your plan and enroll online through Aura Insure
Our enrollment platform is easy, mobile-friendly, and 100% secure.
3. Lost Medicaid or Job-Based Coverage in Michigan?
You have 60 days to apply for a new plan under the Special Enrollment Period (SEP). This applies if you've recently:
Lost Medicaid coverage
Lost job-based insurance
Moved to Michigan
Got married, divorced, or had a baby
Don't delay — coverage starts the 1st of the next month once you enroll.
4. What Health Insurance Plans Are Available in Michigan?
Top ACA carriers in Michigan include:
Ambetter from Meridian
Blue Cross Blue Shield of Michigan (BCBSM)
Molina Healthcare
McLaren Health Plan
Priority Health
All plans include:
Doctor visits & hospital stays
Prescription drugs
Emergency & urgent care
Preventive screenings
Mental health support
5. What Does Health Insurance Cost in Michigan?
Costs vary by location and income, but many Michigan residents qualify for $0/month premiums with ACA tax credits. Preventive care is free, and no one is denied due to pre-existing conditions.
6. Get Help from a Michigan Health Insurance Expert
Aura Insure is a licensed and certified web broker serving residents across Michigan — including Detroit, Grand Rapids, Lansing, Ann Arbor, and beyond. We provide fast, no-pressure support online.
✅ Licensed in Michigan
✅ Bilingual assistance available
✅ Mobile-friendly enrollment
✅ No robocalls, ever
Ready to Get Covered?
See what ACA plans are available in your zip code. Most Michigan residents qualify for premium help — and some pay $0/month.
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