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Detroit, Michigan: health insurance

Detroit is in Wayne County. Here is what Detroit residents should know about coverage.

Coverage in Detroit

Detroit has about 633,218 residents (U.S. Census Bureau 2023 estimate).

Plans for Detroit residents are determined by Wayne County, home to about 1,751,169 people (2023 estimate). Medicare Advantage plans and marketplace plans are offered by area, so use your ZIP code when you compare, and make sure a plan covers Wayne County before you choose it.

  • Turning 65 in Detroit? Your Initial Enrollment Period runs seven months around your birthday. MMAP (Michigan Medicare/Medicaid Assistance Program) offers free counseling at 800-803-7174.
  • Buying your own plan? Shop through HealthCare.gov (federal Marketplace).
  • Medicaid questions? Michigan Department of Health and Human Services (MDHHS) handles applications.

Michigan note: 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.

Colleges and universities near Detroit

Michigan public institutions include University of Michigan, Michigan State University, Wayne State University. Students and employees at these schools should check their school’s student health or benefits office, because campus plans and employer plans work differently from individual coverage. More about Michigan colleges.

Do Detroit and Wayne County have the same plans?

Plans are offered by service area, and Detroit falls under Wayne County. A plan that serves Wayne County is generally the one that applies to you.

Do I have to enroll if I call?

No. A call is a conversation about your options.

Detroit residents: call 855-367-1095

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 855-367-1095

Other major Michigan cities

Reviewed 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.

Do it yourself

Prefer to look and enroll yourself?

Compare plans and enroll on your own time. Or call 855-367-1095 any time you want a licensed agent’s help.

Medicare

Medicare Open Enrollment starts October 15th

Take a look at Michigan plans, or go ahead and enroll yourself. Call if you need any help with your application.

Look at plansCall 855-367-1095
Under 65 · ACA

ACA Open Enrollment opens November 1st

Take a look at Michigan plans, or go ahead and enroll yourself when it opens. Call if you need any help with your application.

Look at plansCall 855-367-1095

Questions along the way? Call 855-367-1095 for assistance.