Updated November 2026 for the 2027 plan year. This page lists the health insurance companies selling coverage in Michigan: the insurers on the ACA Marketplace, the companies with the largest share of the commercial market, the Medicaid managed care plans and the leading Medicare Advantage carriers. Blue Cross Blue Shield of Michigan is the largest commercial health insurer in Michigan, with 65% of the market, according to the American Medical Association (AMA).
For coverage you buy yourself, Michigan residents use HealthCare.gov. For 2027, 7 insurers are expected to offer Marketplace plans there, based on federal and state filings.
Michigan Health Insurance at a Glance
| Measure | Michigan | Source |
|---|---|---|
| Largest commercial insurer (share of market) | Blue Cross Blue Shield of Michigan (65%) | AMA, 2024 data |
| Second-largest commercial insurer | Corewell Health (Priority Health) (13%) | AMA, 2024 data |
| ACA Marketplace | HealthCare.gov | |
| Marketplace plan selections, 2026 | 497,064 (-6.4% from 2025) | CMS |
| Average monthly Marketplace premium after tax credits | $222 in 2026 ($131 in 2025) | CMS |
| Medicaid enrollees, 2024 | 2,416,518 | CMS |
| Share of Medicaid enrollees in comprehensive managed care | 98.0% | CMS, 2024 |
| Medicare Advantage plans, 2027 | 181 (192 in 2026) | CMS |
| Largest Medicare Advantage carrier | Blue Cross Blue Shield of Michigan (42%) | AMA, 2024 data |
Largest Health Insurance Companies in Michigan
The AMA’s annual Competition in Health Insurance report measures each insurer’s share of enrollment in the commercial market, which includes employer plans and individual coverage, and in Medicare Advantage. The latest edition uses enrollment as of January 1, 2024.
| Market | Largest insurer | Share | Second-largest insurer | Share |
|---|---|---|---|---|
| Commercial (employer and individual) | Blue Cross Blue Shield of Michigan | 65% | Corewell Health (Priority Health) | 13% |
| Medicare Advantage | Blue Cross Blue Shield of Michigan | 42% | Corewell Health (Priority Health) | 18% |
The Blue Cross Blue Shield licensee in Michigan: Blue Cross Blue Shield of Michigan (plus HMO subsidiary Blue Care Network). For every company, including national carriers, see our List of Health Insurance Companies.
ACA Marketplace Insurers in Michigan for 2026 and 2027
| Insurer | 2026 | 2027 |
|---|---|---|
| Ambetter from Meridian | Yes | Yes |
| Blue Care Network of Michigan | Yes | Yes |
| Blue Cross Blue Shield of Michigan | Yes | Yes |
| McLaren Health Plan Community | Yes | Yes |
| Oscar Insurance Company | Yes | Yes |
| Priority Health | Yes | Yes |
| UnitedHealthcare | Yes | Yes |
Michigan’s Marketplace insurer lineup is unchanged for 2027, according to federal plan data, and UnitedHealthcare is expanding its service area.
Source: CMS Marketplace plan data files. Insurer names are brand names; an insurer may sell in only part of the state. Check plans for your ZIP code at HealthCare.gov.
Claim Denial Rates for Michigan Marketplace Insurers
In 2024, Michigan HealthCare.gov insurers denied 17.4% of in-network claims, compared with 18.7% nationally. Rates by insurer:
| Insurer (as filed) | In-Network Claims | In-Network Denial Rate |
|---|---|---|
| Priority Health | 4,106,893 | 7.9% |
| Meridian Health Plan of Michigan, Inc. | 3,404,769 | 27.7% |
| Blue Care Network of Michigan | 3,398,397 | 18.5% |
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 1,807,844 | 13.1% |
| UnitedHealthcare Community Plan, Inc. | 780,202 | 26.3% |
| McLaren Health Plan Community | 100,136 | 19.9% |
| Oscar Insurance Company | 54,216 | 27.3% |
Full methodology and national rankings are in our claim denial rates by insurer report.
Medicaid Managed Care Plans in Michigan
Michigan Department of Health and Human Services (MDHHS) runs Medicaid in Michigan. In 2024, 98.0% of the state’s 2,416,518 Medicaid enrollees were in comprehensive managed care plans, according to CMS; see our Medicaid managed care by state data. Programs: Medicaid Health Plans (Comprehensive Health Care Program; Healthy Michigan Plan); MI Coordinated Health (HIDE SNP for dual eligibles, launched Jan. 1, 2026).
- Aetna Better Health of Michigan
- Blue Cross Complete of Michigan
- HAP CareSource
- McLaren Health Plan
- Meridian Health Plan of Michigan
- Molina Healthcare of Michigan
- Priority Health Choice
- UnitedHealthcare Community Plan
- Upper Peninsula Health Plan
Source: Michigan Department of Health and Human Services (MDHHS).
Medicare Advantage in Michigan
People with Medicare in Michigan can choose from 181 Medicare Advantage plans for 2027, compared with 192 in 2026, and None% have access to a plan with a $0 monthly premium, according to CMS. The largest Medicare Advantage carriers are Blue Cross Blue Shield of Michigan (42%) and Corewell Health (Priority Health) (18%), according to the AMA. Compare every state on our Medicare Advantage plans by state page, and see our Medigap vs Medicare Advantage guide before you choose.
Recent Developments in Michigan
- MI Coordinated Health, Michigan’s integrated Medicare-Medicaid plan program for dual eligibles, began Jan. 1, 2026 with nine plans, replacing MI Health Link. (source)
- AMA ranks Michigan the 4th least competitive state commercial market in 2024; BCBSM holds 65% of the combined market and 79% of the PPO market. (source)
- DIFS: 116 Marketplace plans for 2026; final approved rates about $250 million below insurers’ requests. (source)
How To Choose a Health Insurer in Michigan
- Compare Marketplace plans for your ZIP code and update your income to get the right tax credit.
- Check that your doctors and hospitals are in network; our HMO vs PPO vs EPO guide explains the differences.
- Compare the out-of-pocket maximum as well as the premium.
- If your insurer is leaving the Marketplace for 2027, choose a new plan by December 15 for coverage starting January 1.
- For complaints or help with a denied claim, contact the Michigan Department of Insurance and Financial Services.
For statewide enrollment and premium trends, see our ACA Marketplace enrollment by state data, and follow our Health Insurance Companies hub for insurer news.
Sources
American Medical Association, Competition in Health Insurance: A Comprehensive Study of U.S. Markets (2025 update, 2024 data); CMS 2026 and 2025 Open Enrollment State-Level Public Use Files; CMS Marketplace plan data files for 2026 and 2027; CMS Medicaid Managed Care Enrollment (2024); CMS 2027 Medicare Advantage and Part D state fact sheets; KFF 2024 Transparency in Coverage data; Michigan Department of Health and Human Services (MDHHS).