Benchmark $523/mo · ranked 6 of 21 · median wage $48,840
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The benchmark premium for a 40-year-old in Michigan is $523 a month for 2026, ranking 6 of 21 states published here. BLS reports a median annual wage of $48,840 for Automotive Service Technicians and Mechanics in Michigan.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Automotive Service Technicians and Mechanics (SOC 49-3023) in Michigan. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed auto mechanic. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.
Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $57,560 | below |
| 2 | Virginia | $455 | $56,320 | below |
| 3 | Indiana | $474 | $47,550 | below |
| 4 | Nevada | $497 | $47,570 | below |
| 5 | Ohio | $513 | $47,010 | below |
| 6 | Michigan | $523 | $48,840 | below |
| 7 | Colorado | $557 | $59,340 | below |
| 8 | South Carolina | $564 | $45,950 | below |
| 9 | Oklahoma | $604 | $41,720 | below |
| 10 | Wisconsin | $611 | $50,990 | below |
| 11 | Georgia | $615 | $48,800 | below |
| 12 | North Carolina | $638 | $48,530 | below |
| 13 | Utah | $640 | $46,990 | below |
| 14 | Alabama | $645 | $45,710 | below |
| 15 | Illinois | $646 | $50,450 | below |
| 16 | South Dakota | $655 | $48,410 | below |
| 17 | Texas | $661 | $48,660 | below |
| 18 | Kansas | $670 | $47,010 | below |
| 19 | Florida | $683 | $48,520 | below |
| 20 | Nebraska | $710 | $48,810 | below |
| 21 | Arkansas | $774 | $43,830 | below |
This page compares states. For Michigan specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.
← Auto Mechanics in all states · All trades · All occupations
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.
Right now 7 carriers file plans across the 83 counties of Michigan. Participation is reset annually, which is why Auto Mechanics should check the roster in November rather than assume this year’s options carry over.
Nobody can tell you your 2027 Michigan premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Michigan regardless of how the current litigation over the enrollment window resolves.
In your favour: PPOs are sold in all 83 Michigan counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as an auto mechanic takes you around.
Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Michigan’s carriers under a deadline; today you can do it without one.
Give me a ZIP and I will tell you three things:
Most Auto Mechanics here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Michigan.