Nail Technician Pay and Health Insurance in Michigan (2027)

Q: How much does a nail technician make in Michigan?

The BLS median wage for Manicurists and Pedicurists in Michigan is $34,920 a year (May 2024). Starting pay — the 10th percentile — is about $22,860. The middle half earn $30,420 to $44,920, and the top 10% more than $50,160. BLS counts about 920 people doing this work for an employer in Michigan. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.

Wage benchmark and the 2027 subsidy cliff

$34,920median annual wage, Nail Technicians in Michigan

219%of the federal poverty level

$63,8402027 subsidy cliff, single-person household

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 Manicurists and Pedicurists (SOC 39-5092) 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 nail technician. 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.

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. 91 FR 1797, 15 January 2026. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-09-27. The 2026 guidelines govern premium tax credit eligibility for plan year 2027 coverage. The 2027 guidelines apply to 2028 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 23 states

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

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$491	$36,380	below
2	Indiana	$537	$33,090	below
3	Virginia	$549	$36,970	below
4	Nevada	$565	$35,340	below
5	Michigan	$595	$34,920	below
6	Ohio	$603	$35,900	below
7	Colorado	$615	$37,800	below
8	North Carolina	$660	$34,810	below
9	Oklahoma	$686	$29,560	below
10	South Carolina	$702	$25,980	below
11	South Dakota	$704	$40,210	below
12	Illinois	$707	$34,520	below
13	Alabama	$712	$27,980	below
14	Utah	$716	$38,390	below
15	Wisconsin	$720	$34,180	below
16	Georgia	$733	$26,500	below
17	Texas	$737	$36,900	below
18	Florida	$738	$32,370	below
19	Kansas	$748	$30,650	below
20	Arkansas	$757	$27,780	below
21	Nebraska	$780	$36,560	below
22	Tennessee	$796	$30,030	below
23	Mississippi	$814	$42,370	below

Questions

How much does a nail technician make in Michigan?

The BLS median wage for Manicurists and Pedicurists in Michigan is $34,920 a year (May 2024). Starting pay — the 10th percentile — is about $22,860. The middle half earn $30,420 to $44,920, and the top 10% more than $50,160. BLS counts about 920 people doing this work for an employer in Michigan. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.

Does being a nail technician 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 $595 a month applies regardless of trade.

Do nail technicians qualify for a subsidy in Michigan in 2027?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Manicurists and Pedicurists in Michigan is $34,920, which is below the 2027 cliff of $63,840 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Michigan for 2027?

$595 a month for a 40-year-old, ranking 5 of 23 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 2027 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.

← Nail Technicians in all states · All trades · All occupations

How Michigan compares with every other state →

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Open Enrollment 2027 for Nail Technicians in Michigan

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.

Insurers in Michigan were approved for an average 14.5% increase for 2027; your own premium turns on the plan and the county.

Open Enrollment runs from November 1. December 15 is the date that matters: choose by then and cover starts January 1 in Michigan and every other state.

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.

Settle it before December 15

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:

Whether your current plan and carrier are still selling in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from
Whether the doctors you actually use are in the 2027 network, before you are locked in

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Nail Technicians Health Insurance in Michigan