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 $789 — a difference of $81/month (11%) before subsidies.
| Michigan | Florida | |
|---|---|---|
| Median Silver @40 | $708 | $789 |
| Cheapest Silver @40 | $385 | $554 |
| Most expensive county @40 | $1,048 | $2,203 |
| Age 27 | $316 | $454 |
| Age 60 | $818 | $1,177 |
| Carriers | 7 | 15 |
| Counties | 83 | 67 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO, HMO, PPO | EPO, HMO, 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 Florida. 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-Florida move triggers a 60-day special enrollment period, so the 15 carriers filing in Florida 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.
Coverage does not port across the state line. Ending in Michigan and starting in Florida is two separate transactions, and the plan you end up with in Florida is priced on its own county, not on what you paid before.
Of the 7 carriers in Michigan and 15 in Florida, UnitedHealthcare appears in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
Both sides keep the option open: PPOs are sold in every county — 83 in Michigan, 67 in Florida. 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 Florida. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Picking between Michigan and Florida on the headline number is a mistake. Enter your ZIP and I will show you what is actually filed for you.