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 $805 — a difference of $97/month (14%) before subsidies.
| Michigan | Utah | |
|---|---|---|
| Median Silver @40 | $708 | $805 |
| Cheapest Silver @40 | $385 | $559 |
| Most expensive county @40 | $1,048 | $1,125 |
| Age 27 | $316 | $526 |
| Age 60 | $818 | $1,134 |
| Carriers | 7 | 6 |
| Counties | 83 | 29 |
| 1-carrier counties | 0 | 1 |
| Plan types | EPO, HMO, PPO | EPO, HMO |
Network note: Utah has no PPO plans in 2026 while Michigan does.
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 Utah. 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 Michigan and Utah counts as a qualifying life event. That buys a 60-day special enrollment period, dated from the move, to choose among Utah’s 6 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 Michigan policy ends and a Utah application begins — new network, new premium, even if the name on the card stays the same.
There is no overlap to lean on: none of Michigan’s 7 carriers file in Utah, where 6 other insurers write instead. Changing state means changing company.
This is the asymmetry that bites. Michigan has PPO plans across all 83 counties; Utah sells none in any of its 29. The PPO is the plan type most likely to pay outside its own network, so heading toward Utah usually costs you the ability to see Michigan providers for anything short of an emergency.
You cannot carry one plan in Michigan and a second in Utah. Eligibility follows primary residence, the address on your return, and everything received in the other state is normally out of network.
Neither Michigan nor Utah has one price. Give me a ZIP and I will pull the plans in that county and work out what help you qualify for.