Community
Michigan Open Enrollment Nov. 1: Detroit Residents Face 14.2% Average 2027 Health Insurance Increase
DETROIT — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Michigan residents an opportunity to compare Marketplace plans, review premiums and determine whether they qualify for
By Mara Ellison · 2026-11-02T00:01:41.519Z
DETROIT — Open enrollment for 2027 health insurance begins Sunday, Nov. 1, giving Michigan residents an opportunity to compare Marketplace plans, review premiums and determine whether they qualify for financial assistance.
Michigan uses the federal Health Insurance Marketplace at HealthCare.gov . Open enrollment runs from Nov. 1, 2026, through Jan. 15, 2027 . Residents who select a plan by Dec. 15 can have coverage begin Jan. 1, while those enrolling between Dec. 16 and Jan. 15 generally receive coverage beginning Feb. 1.
The enrollment period begins as Michigan consumers face higher individual health insurance premiums for 2027.
Michigan health insurance rates rise 14.2% on average The Michigan Department of Insurance and Financial Services approved an average 14.2% rate increase across the state's individual health insurance market for 2027.
Insurers had collectively requested an average increase of 14.4% before state review. Individual rate changes can differ depending on the insurer, plan, geographic area and other rating factors.
Some insurers received significantly higher approved increases.
For example, UnitedHealthcare Community Plan received an approved average increase of 25.2% , while Priority Health received an approved increase of 11.2% .
State data shows more than 400,000 people are currently enrolled in individual market plans included in the 2027 rate review. Insurers plan to offer more than 200 individual market plans on or off the Marketplace, although availability varies by location.
Nearly 497,000 Michiganders use HealthCare.gov Michigan officials say nearly 497,000 residents are currently enrolled in health insurance through HealthCare.gov .
The Michigan Department of Insurance and Financial Services is encouraging both new and returning customers to actively compare their 2027 options because premiums, subsidies, provider networks and plan benefits can change from one year to the next.
Consumers can use HealthCare.gov's plan comparison tools to review available coverage and costs before completing enrollment.
What Michigan residents should check Detroit area residents and consumers statewide should compare monthly health insurance premiums, deductibles, co pays, out of pocket maximums, prescription drug coverage and whether preferred doctors and hospitals remain in network.
Residents should also update their expected 2027 household income and family information because those details can affect eligibility for advance premium tax credits and cost sharing reductions.
Michigan officials recommend reviewing expected medical needs, prescription drugs and the amount spent on health care during the previous year before selecting a new plan.
Consumers purchasing coverage through the Marketplace may qualify for additional savings, including an advance premium tax credit or cost sharing reduction .
Enrollment deadlines matter Michigan residents who want health insurance coverage beginning Jan. 1, 2027 , should select a plan no later than Dec. 15, 2026 .
Open enrollment continues through Jan. 15, 2027 . Residents enrolling between Dec. 16 and Jan. 15 generally receive coverage beginning Feb. 1.
After Jan. 15, most consumers need to qualify for a Special Enrollment Period to purchase or change individual coverage. Qualifying life events can include losing existing coverage, a job loss, birth, divorce or other eligible changes in circumstances.
Michigan residents who qualify for Medicaid or MIChild can apply for those programs throughout the year.
Residents can compare 2027 health insurance plans, review potential savings and enroll through HealthCare.gov .