Head-to-head, from CMS Plan Year 2026 data.
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Indiana is the cheaper of the two: a 40-year-old pays about $558/month for the median Silver plan, versus $708 — a difference of $150/month (27%) before subsidies.
| Indiana | Michigan | |
|---|---|---|
| Median Silver @40 | $558 | $708 |
| Cheapest Silver @40 | $440 | $385 |
| Most expensive county @40 | $699 | $1,048 |
| Age 27 | $361 | $316 |
| Age 60 | $934 | $818 |
| Carriers | 5 | 7 |
| Counties | 92 | 83 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, POS | EPO, HMO, PPO |
Network note: Indiana has no PPO plans in 2026 while Michigan does. If you work across county or state lines that difference matters more than the premium gap.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape. Full-price filed rates before premium tax credits; not a quote or an offer of coverage.
This page sets two states against each other. For county-by-county carriers, plan data and help actually enrolling, I publish a page for each state on Coverage by County: Indiana or Michigan. There is also a blog covering deductibles, subsidies and special enrollment periods.
Put your ZIP code in and I will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to me — not a call center.
Relocating between Indiana and Michigan counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Michigan’s 7 filing carriers. Two conditions apply: at least one day of qualifying coverage during the 60 days beforehand, and the move cannot be purely for medical treatment or a holiday.
Your plan will not come with you. Marketplace coverage is sold state by state, so the Indiana policy ends and a Michigan application begins — new network, new premium, even if the name on the card stays the same.
Some continuity is possible: UnitedHealthcare file in both, out of 5 in Indiana and 7 in Michigan. Same company is easier paperwork, but it is a different plan on a different network at a different price.
This is the asymmetry that bites. Michigan has PPO plans across all 83 counties; Indiana sells none in any of its 92. The PPO is the plan type most likely to pay outside its own network, so heading toward Indiana usually costs you the ability to see Michigan providers for anything short of an emergency.
Only one of the two can be your plan state. Marketplace eligibility runs on primary residence, so if you file from Indiana the Michigan care is the out-of-network half, and the reverse if you file from Michigan.
Picking between Indiana and Michigan on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.