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 $875 — a difference of $168/month (24%) before subsidies.
| Michigan | Nebraska | |
|---|---|---|
| Median Silver @40 | $708 | $875 |
| Cheapest Silver @40 | $385 | $640 |
| Most expensive county @40 | $1,048 | $1,460 |
| Age 27 | $316 | $525 |
| Age 60 | $818 | $1,359 |
| Carriers | 7 | 5 |
| Counties | 83 | 93 |
| 1-carrier counties | 0 | 0 |
| Plan types | EPO, HMO, PPO | EPO, 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 Nebraska. 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-Nebraska move triggers a 60-day special enrollment period, so the 5 carriers filing in Nebraska 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 Nebraska’s 93 counties, which means a new network and a new price regardless of which insurer you land on.
Of the 7 carriers in Michigan and 5 in Nebraska, Oscar Insurance Company and UnitedHealthcare appear in both. That overlap is worth knowing if continuity of insurer matters to you, though the plan itself is new either way.
PPO coverage is patchy: 83 of 83 Michigan counties and 34 of 93 in Nebraska. Because the PPO is the type most likely to pay out of network, whether one is sold in your particular county matters more here than either state average.
Splitting the year does not mean splitting the coverage. You can hold a marketplace plan only in your state of primary residence — the address you file from — not one in Michigan and another in Nebraska. The cost lands on care received in whichever of the two you did not choose.
State averages hide enormous county-level spread. Whichever of Michigan or Nebraska you are in, your ZIP is what sets your premium.