Benchmark $595/mo · ranked 5 of 23 · median wage $48,840
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The benchmark premium for a 40-year-old in Michigan is $595 a month for 2027, ranking 5 of 23 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 2027.
This occupation is below the cliff in all 23 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 2027 the 400% FPL limit applies again, so household income above $63,840 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 | $491 | $57,560 | below |
| 2 | Indiana | $537 | $47,550 | below |
| 3 | Virginia | $549 | $56,320 | below |
| 4 | Nevada | $565 | $47,570 | below |
| 5 | Michigan | $595 | $48,840 | below |
| 6 | Ohio | $603 | $47,010 | below |
| 7 | Colorado | $615 | $59,340 | below |
| 8 | North Carolina | $660 | $48,530 | below |
| 9 | Oklahoma | $686 | $41,720 | below |
| 10 | South Carolina | $702 | $45,950 | below |
| 11 | South Dakota | $704 | $48,410 | below |
| 12 | Illinois | $707 | $50,450 | below |
| 13 | Alabama | $712 | $45,710 | below |
| 14 | Utah | $716 | $46,990 | below |
| 15 | Wisconsin | $720 | $50,990 | below |
| 16 | Georgia | $733 | $48,800 | below |
| 17 | Texas | $737 | $48,660 | below |
| 18 | Florida | $738 | $48,520 | below |
| 19 | Kansas | $748 | $47,010 | below |
| 20 | Arkansas | $757 | $43,830 | below |
| 21 | Nebraska | $780 | $48,810 | below |
| 22 | Tennessee | $796 | $47,460 | below |
| 23 | Mississippi | $814 | $38,070 | 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 a licensed agent 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 a licensed agent — not a call center.
The 2027 plans are posted: 7 carriers across 83 Michigan counties. Carriers file county by county, so the statewide count only tells you so much.
Price, in one number: $683 a month for the median county’s benchmark Silver at 40 in 2027, up from $614 in 2026.
Choose by December 15 and your plan starts January 1. HealthCare.gov stays open to January 15, but a plan picked after December 15 starts February 1.
PPOs are sold in 72 of Michigan’s 83 counties for 2027. Whether yours has one decides how much out-of-network care a plan will pay toward.
The 2027 plans are posted and the deadline for a January 1 start is December 15. Ten minutes with your ZIP code settles which plan still fits.
Enter a ZIP and a licensed agent 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.
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