What’s Changing in Michigan’s Health Insurance Market — and What It Means for You
Blue Daily
| 3 min read
Key Takeaways
- Blue Cross Blue Shield of Michigan remains committed to offering plans in all 83 counties, ensuring continued access to affordable, high-quality care.
- Enhanced Premium Tax Credits (EPTCs) — temporary federal subsidies that lowered health insurance costs for millions of Americans — are set to expire.
- With EPTCs set to end, insurers are adjusting rates to account for reduced federal funding, rising medical costs, and increased demand for care.
- Several insurers will no longer offer ACA/Marketplace plans in Michigan for the 2026 coverage year, leaving an estimated over 200,000 people needing new plans.
Major shifts are coming to Michigan’s health insurance Marketplace. As temporary federal enhanced premium tax credits near expiration and some insurers are choosing to no longer offer plans in the Michigan market, many Michiganders may see changes to their coverage and costs for 2026 if they buy insurance through the Marketplace.
Blue Cross Blue Shield of Michigan remains committed to offering plans in all 83 counties, ensuring continued access to affordable, high-quality care.
To help you understand what’s happening — and what steps you can take — we’ve outlined key updates and links to in-depth information below.
Enhanced Premium Tax Credits (EPTCs) — temporary federal subsidies that lowered health insurance costs for millions of Americans — are set to expire at the end of 2025 unless extended by Congress. These tax credits provide upfront financial assistance, so people can enroll under Affordable Care Act (ACA)-qualified health insurance plans.
While many people will still qualify for Advanced Premium Tax Credits (APTCs) in 2026, these standard subsidies will likely provide less financial relief meaning higher costs for individuals and families shopping for plans on the Marketplace.
With EPTCs set to end, insurers are adjusting rates to account for reduced federal funding, rising medical costs, and increased demand for care. Blue Cross PPO plans are expected to rise by 24.0% on average, and Blue Care Network plans by 23.2%.
Despite these pressures, Blue Cross continues to expand access, adding 11 counties to the BCN Select HMO network.
Several insurers will no longer offer ACA/Marketplace plans in Michigan for the 2026 coverage year, leaving an estimated over 200,000 people needing new plans. Many will be “cross-walked” — automatically transitioned from their current insurer to Blue Cross as a new member.
If you receive a letter from Blue Cross, it means you’ll have information about available plans and rates, but you’ll still need to take action to enroll.
Open enrollment and where to shop
Open enrollment – also known as the annual enrollment period – is a time each year when individuals have the opportunity to enroll in a new health plan or make changes to their existing coverage for the upcoming year. Open enrollment through the ACA Marketplace begins Nov. 1, 2025, and runs through Jan. 15, 2026, in Michigan.
Individuals or families who would like to explore coverage from Blue Cross Blue Shield of Michigan can click here to learn more about our plans, including medical coverage, dental and vision, specialty benefits, Medicaid, international plans and more. As Michigan's largest health insurance company, we provide coverage to fit a range of needs and budget.
And click here to learn more about Blue Cross Blue Shield of Michigan's commitment to affordability.
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