Head-to-head, from CMS Plan Year 2026 data.
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Michigan is the cheaper of the two: a 40-year-old pays about $708/month for the median Silver plan, versus $828 — a difference of $120/month (17%) before subsidies.
| Michigan | Arkansas | |
|---|---|---|
| Median Silver @40 | $708 | $828 |
| Cheapest Silver @40 | $385 | $753 |
| Most expensive county @40 | $1,048 | $879 |
| Age 27 | $316 | $617 |
| Age 60 | $818 | $1,599 |
| Carriers | 7 | 4 |
| Counties | 83 | 75 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, PPO | POS, PPO |
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: Michigan or Arkansas. 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.
A Michigan-to-Arkansas move triggers a 60-day special enrollment period, so the 4 carriers filing in Arkansas are open to you outside the usual window. The catch is on both ends — you normally need to have carried qualifying coverage for a day or more in the 60 days before moving, and moves made for treatment or travel are excluded.
Nothing transfers. You close the Michigan plan and enroll fresh against Arkansas’s 75 counties, which means a new network and a new price regardless of which insurer you land on.
The carrier lists do not intersect — 7 in Michigan, 4 in Arkansas, none shared. Expect to start a relationship with a new insurer, likely one of Ambetter from Arkansas Health & Wellness and Arkansas Blue Cross and Blue Shield.
Both sides keep the option open: PPOs are sold in every county — 83 in Michigan, 75 in Arkansas. That is the type most likely to cover care outside its network, and it is the one to prioritise if you will genuinely be in both rather than simply leaving.
You cannot carry one plan in Michigan and a second in Arkansas. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
State averages hide enormous county-level spread. Whichever of Michigan or Arkansas you are in, your ZIP is what sets your premium.