Benchmark $523/mo · ranked 6 of 21 · median wage $59,170
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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 $59,170 for Cement Masons and Concrete Finishers in Michigan.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation sits above the cliff in 2 of the 21 states reported and below it in the other 19, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Cement Masons and Concrete Finishers (SOC 47-2051) 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 concrete contractor. 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 | $49,390 | below |
| 2 | Virginia | $455 | $48,510 | below |
| 3 | Indiana | $474 | $59,280 | below |
| 4 | Nevada | $497 | $60,560 | below |
| 5 | Ohio | $513 | $62,050 | below |
| 6 | Michigan | $523 | $59,170 | below |
| 7 | Colorado | $557 | $60,710 | below |
| 8 | South Carolina | $564 | $47,430 | below |
| 9 | Oklahoma | $604 | $46,940 | below |
| 10 | Wisconsin | $611 | $63,490 | above |
| 11 | Georgia | $615 | $47,230 | below |
| 12 | North Carolina | $638 | $47,370 | below |
| 13 | Utah | $640 | $55,540 | below |
| 14 | Alabama | $645 | $43,740 | below |
| 15 | Illinois | $646 | $77,450 | above |
| 16 | South Dakota | $655 | $45,150 | below |
| 17 | Texas | $661 | $46,730 | below |
| 18 | Kansas | $670 | $50,640 | below |
| 19 | Florida | $683 | $46,460 | below |
| 20 | Nebraska | $710 | $48,070 | below |
| 21 | Arkansas | $774 | $46,020 | 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.
← Concrete Contractors 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.
Michigan has 7 carriers filing across 83 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for a concrete contractor buying your own cover, who stays matters more than the headline rate.
On price the only honest number today is national: the Peterson-KFF read of 2027 filings puts the median proposed rise near 15%, spanning −1% to 54%. Final Michigan rates are not approved, so any precise 2027 figure quoted for this state is guesswork.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Michigan included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
All 83 counties in Michigan sell a PPO, which is unusual and useful. For a concrete contractor covering ground, it is the plan type that travels best.
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 Concrete Contractors 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.