Land Clearing Contractors Health Insurance in Michigan (2026)

Wage benchmark and the 2026 subsidy cliff

$62,550median annual wage, Land Clearing Contractors in Michigan

400%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

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 4 of the 21 states reported and below it in the other 17, so the answer changes with the state.

What this figure is. It is the median annual wage BLS reports for Operating Engineers and Other Construction Equipment Operators (SOC 47-2073) 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 land clearing 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.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$60,620	below
2	Virginia	$455	$52,240	below
3	Indiana	$474	$72,370	above
4	Nevada	$497	$72,780	above
5	Ohio	$513	$62,410	below
6	Michigan	$523	$62,550	below
7	Colorado	$557	$61,570	below
8	South Carolina	$564	$47,480	below
9	Oklahoma	$604	$47,190	below
10	Wisconsin	$611	$72,650	above
11	Georgia	$615	$46,380	below
12	North Carolina	$638	$48,910	below
13	Utah	$640	$59,760	below
14	Alabama	$645	$46,870	below
15	Illinois	$646	$96,980	above
16	South Dakota	$655	$56,720	below
17	Texas	$661	$49,650	below
18	Kansas	$670	$50,600	below
19	Florida	$683	$48,780	below
20	Nebraska	$710	$57,240	below
21	Arkansas	$774	$45,170	below

Questions

Does being a land clearing contractor change what health insurance costs in Michigan?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $523 a month applies regardless of trade.

Do land clearing contractors qualify for a subsidy in Michigan in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Operating Engineers and Other Construction Equipment Operators in Michigan is $62,550, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Michigan for 2026?

$523 a month for a 40-year-old, ranking 6 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Michigan

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.

← Land Clearing Contractors in all states · All trades · All occupations

How Michigan compares with every other state →

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Looking ahead to 2027 as a land clearing contractor in Michigan

The Michigan market currently runs to 7 carriers over 83 counties. Carriers re-file every year, and for Land Clearing Contractors the question that actually decides your renewal is which of them are still there in November.

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.

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 a land clearing contractor takes you around.

Worth sorting before November

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:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one land clearing contractors most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

Put in a Michigan ZIP and see what Land Clearing Contractors are paying

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