Health insurance help for Michigan residents
Compare Medicare, health insurance marketplace plans and Medicaid in Michigan, with a guide for every county and each major city, reviewed by a licensed agent.
- Reviewed by Richard Lander, licensed agent (NPN 21255551)
- No cost to call
- No obligation to enroll
What is different about coverage in Michigan
Michigan Medicaid, including the Healthy Michigan Plan, is run by the Michigan Department of Health and Human Services, and Michigan uses the federal HealthCare.gov Marketplace rather than a state-run exchange. Michigan Medical Insurance is free to use for Michigan callers working through Medicare, ACA, life, or supplemental coverage questions.
- Michigan Medicaid, including the Healthy Michigan Plan (Michigan's Medicaid expansion program), is administered by the Michigan Department of Health and Human Services (MDHHS) -- MDHHS is the right place to start if your Michigan Medicaid eligibility changed.
- Michigan does not run its own ACA exchange, so Michigan marketplace shopping and subsidy questions go through the federal HealthCare.gov Marketplace, which also screens applicants for Healthy Michigan Plan eligibility.
- Free Medicare counseling is available in Michigan through MMAP (Michigan Medicare/Medicaid Assistance Program) at 800-803-7174, separate from Michigan Medical Insurance's own free phone help.
Worth knowing: Michigan's Medicaid expansion program has its own distinct brand name, the Healthy Michigan Plan, rather than just being referred to as expanded Medicaid -- worth knowing since Michigan-specific materials and application flows generally use that name.
Coverage questions we help Michigan residents with
Health plans (ACA marketplace)
How Michigan’s marketplace works, who qualifies for help with costs, and when you can enroll.
Medicare
Turning 65, Medicare Advantage, Medigap and drug plans, with Michigan’s free counseling program.
Medicaid
Where to apply in Michigan, and what to do when your coverage changes.
Michigan by county
Medicare Advantage plans and marketplace premiums are set county by county, so the plans open to you depend on where in Michigan you live. Start with your county.
Major Michigan cities
Michigan colleges and universities
- University of Michigan
- Michigan State University
- Wayne State University
- Western Michigan University
- Michigan Technological University
- Grand Valley State University
State bird: American Robin
Turdus migratorius. Michigan’s official state bird, shown here as a local touch.
Photo: Andy Morffew from Itchen Abbas, Hampshire, UK (CC BY 2.0), via Wikimedia CommonsCommon Michigan questions
Where do I shop for ACA health plans in Michigan?
Michigan residents shop through HealthCare.gov (federal Marketplace) (https://www.healthcare.gov/michigan/). An independent agent such as Lander LLC can explain the plans for you, but the marketplace is the only place premium tax credits are applied.
How do I apply for Medicaid in Michigan?
Medicaid in Michigan is run through Michigan Department of Health and Human Services (MDHHS) (https://www.michigan.gov/mdhhs/assistance-programs/medicaid). Eligibility depends on income, household size and other factors, and it is decided by the state, not by an insurance agency.
Who regulates insurance in Michigan?
Michigan Department of Insurance and Financial Services (DIFS) (https://www.michigan.gov/difs/consumers/insurance/health-insurance) regulates insurance companies and agents in Michigan. You can use it to check that an agent or company is licensed and to file a complaint.
Is there free, unbiased Medicare help in Michigan?
Yes. MMAP (Michigan Medicare/Medicaid Assistance Program) (800-803-7174) offers free Medicare counseling through the State Health Insurance Assistance Program (SHIP), separate from any insurance agency.
Does Michigan Medical Insurance cost anything to use?
There is no cost to call or to speak with an agent. Insurance premiums and plan costs are set by the insurance companies and are separate from our help.
Talk with a licensed agent about Michigan coverage
Call Lander LLC to go over your options. There is no cost to call or to speak with an agent, and you are never required to enroll in anything.
Call 855-367-1095Reviewed by Richard Lander, licensed insurance agent (NPN 21255551), Lander LLC. Last updated October 3, 2026. This page is educational and is not a quote, an offer of coverage, or legal or tax advice.