Health insurance brokers in Michigan

• 497,064Michiganders selected a marketplace plan for 2026
• 716,393Michiganders covered by the Healthy Michigan Plan as of June 2025
• $0the cost to you of having me shop your Michigan plan

Still HealthCare.gov, for now

Michigan never built its own exchange, so Michiganders shop on HealthCare.gov. That may not last. On June 18, 2026 the Michigan Senate passed Senate Bills 973 to 978 to create a state based exchange. The bills still need the Michigan House. If they become law, the new exchange would open for the enrollment season beginning November 1, 2027, for 2028 coverage.

Michigan's carrier shakeout already happened

Several states are losing carriers for 2027. Michigan went through its version a year early. At the end of 2025, three carriers left the Michigan marketplace: UM Health Plan, HAP CareSource and Molina. Seven carriers sold plans for 2026, and none of them has announced an exit for 2027.

Enrollment took a hit too, and the headline number undersells it. Plan selections fell only about 6 percent, to 497,064. Effectuated enrollment, people who paid and kept the plan, fell 27 percent, meaning at least 131,000 fewer Michiganders covered by February. If you were one of the people whose 2025 carrier vanished and whose 2026 bill arrived higher, you had two reasons to walk away at once.

The Healthy Michigan Plan

Michigan expanded Medicaid through the Healthy Michigan Plan, which took effect in April 2014 and covers adults under 65 with income up to 138 percent of the federal poverty level. It covered 716,393 Michiganders as of June 2025. For a lot of households whose income fell this year, Healthy Michigan is the right answer rather than a marketplace plan, and I will tell you so.

What changes for 2027

No major carrier has announced it is leaving Michigan for 2027, and Cigna's exit does not include Michigan. The change you will notice is price, so read your renewal notice this fall. The Michigan 2027 page has the details.

Open enrollment dates for 2027 coverage in Michigan

Michigan still uses the federal marketplace at HealthCare.gov for 2027, so Michigan follows the federal calendar.

• November 1, 2026Open enrollment begins for 2027 coverage
• December 15, 2026Last day to choose a plan that starts January 1, 2027
• January 15, 2027Open enrollment closes

Outside that window you need a qualifying life event, usually with 60 days to act. Losing job based coverage, moving, marriage, a new baby, or aging off a parent's plan at 26 all count. If your income falls into Healthy Michigan range, you do not have to wait for open enrollment at all, because Medicaid enrollment is not limited to the fall window.

Every 2027 change in Michigan, carrier by carrier →

How to choose a health insurance broker in Michigan

Anyone can put "broker" on a website. These are the questions that separate the real ones, and you can ask every one of them in a five minute phone call.

1. Verify the license before anything else

   Ask for the license number and the NPN, then look them up yourself. Michigan agents can be checked through the Michigan DIFS Locator, and every agent in the country is searchable through the NAIC lookup. An agent who hesitates to give you those numbers has told you everything you need to know. Mine are on this page and on my license page.

2. Ask whether they are independent or captive

   A captive agent works for one insurance company and can only sell you that company's plans. An independent broker is appointed with many carriers and compares across them. Neither is dishonest, but only one of them can tell you when a competitor has the better plan for you.

3. Ask what it costs, and be suspicious of any answer other than nothing

   Brokers are paid by the insurance carriers. The premium is identical whether you enroll through a broker, on your own, or directly with the carrier. Nobody should charge you a fee to enroll you in an individual marketplace plan.

4. Ask how many carriers they can actually quote

   "We shop the whole market" is a slogan until someone puts a number on it. Ask which carriers they are appointed with in Michigan, and ask them to show you the comparison rather than describe it.

5. Ask whether they will still be there in March

   Plenty of agents are enthusiastic in December and unreachable in the spring, which is exactly when a claim gets denied or a doctor turns out to be out of network. Ask who you call when something goes wrong. The answer should be a person, not a call center.

6. Read the reviews, and look at the dates

   A handful of genuine reviews spread over time tells you more than a wall of them that all landed in the same week. Mine are on my Google profile and they arrived one at a time, from clients who agreed to write one.

What working with me looks like

You tell me your ZIP code, who needs coverage, and roughly what you expect to earn this year. I check your subsidy eligibility properly, then compare the plans you qualify for side by side, with the real monthly cost after any subsidy is applied. You pick. I handle the enrollment paperwork, and I stay your point of contact afterward for claims questions, renewals, and life changes.

Most first conversations take about ten minutes. There is no cost and no obligation, and I am not going to pressure you into a plan, because a client who was pushed into the wrong coverage is a client who leaves.

Where I work in Michigan

Statewide. Most of my work happens over the phone or a video call, so where you are in Michigan changes nothing about the process.

• Detroit
• Grand Rapids
• Warren
• Sterling Heights
• Ann Arbor
• Lansing
• Dearborn
• Clinton Township
• Canton
• Livonia
• Troy
• Westland
• Farmington Hills
• Flint
• Kalamazoo
• Novi
• Rochester Hills
• Southfield
• Traverse City
• Saginaw

I am also licensed in 30 other states, so if you are moving or splitting time between two states, that usually is not a problem either.

Who I help most in Michigan

According to the U.S. Census Bureau, 5.1 percent of people in Michigan had no health insurance in 2024, below the national rate of 8.2 percent.

Individuals and families buying their own coverage, self employed people and 1099 contractors, small business owners, people who just lost employer coverage, and early retirees bridging the gap to Medicare. In Michigan I also help people who were moved to a new carrier when three insurers left at the end of 2025 and have never checked whether that plan still fits.