Ranked 6 of 15 states · median $708/mo · CMS PY2026
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A 40-year-old nurse practitioner in Michigan pays a median $708/month for a Silver plan before subsidies — 6th of 15 on cost. The cheapest plan in the state is $385 from Ambetter from Meridian in Genesee. On median Silver premium, Michigan ranks 6 of 15 for this occupation.
When you use coverage regularly, the annual total is driven by what each visit costs and whether the clinician you already see is contracted. A plan $40 cheaper that drops your specialist is not cheaper. These rankings pair median premium with how many carriers actually file in the state.
Occupational context: Needlestick and infectious exposure; standing strain.
This is background for choosing a plan, not for pricing one. Since 2014 every Michigan exchange plan has been guaranteed issue and community rated: same age, same ZIP, same tobacco status means the same filed premium whether you are a nurse practitioner or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a nurse practitioner in one Michigan county can pay materially more than one an hour away. Six counties from across the state, cheapest Silver plan for a 40-year-old:
| County | Cheapest Silver @40 | Issuer | Deductible | Carriers |
|---|---|---|---|---|
| Kalkaska | $592 | Blue Care Network of Michigan | $5,800 | 4 |
| Gratiot | $633 | Blue Care Network of Michigan | $5,800 | 4 |
| Iosco | $645 | Blue Care Network of Michigan | $5,800 | 4 |
| Isabella | $681 | Blue Care Network of Michigan | $5,800 | 4 |
| Gogebic | $769 | Blue Care Network of Michigan | $5,800 | 2 |
| Ontonagon | $769 | Blue Care Network of Michigan | $5,800 | 2 |
The spread across just these six is $177/month — $2,127 a year for the same metal tier. Statewide the range runs $385 to $1,048. Coverage by County publishes all 83 Michigan counties individually.
| Michigan — network and cost | 2026 |
|---|---|
| Median Silver premium @40 | $708 |
| Cheapest Silver @40 | $385 — Ambetter from Meridian (Genesee) |
| Most expensive Silver @40 | $1,048 |
| Carriers filing in the state | 7 — Ambetter from Meridian, Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan, McLaren Health Plan Community |
| Plan types available | EPO, HMO, PPO |
| Counties with only one carrier | 0 of 83 |
Michigan has 7 carriers filing and 0 of 83 counties served by a single issuer. For a nurse practitioner with an established provider relationship, that carrier count is the number that decides whether you keep your doctor.
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. 3,383 plan records across 83 Michigan counties. Full-price filed rates before premium tax credits — verify at enrollment.
Cheaper for the same coverage: South Carolina ($636), Alabama ($680), Wisconsin ($687). More expensive: South Dakota ($725), Oklahoma ($731), Kansas ($765).
Side-by-side: Michigan vs Alabama · Michigan vs Wisconsin · Michigan vs South Dakota · Michigan vs Oklahoma
This only matters if you can actually choose — you buy in the state where you live, not where you work. If you are a nurse practitioner who moved this year, that move is a qualifying life event and opens a special enrollment period.
Expense categories that typically apply to this trade: Malpractice insurance, licensing, DEA registration, CE. Premiums are generally deductible above the line under IRC §162(l) when no employer plan is available to you or your spouse — a question for your CPA, not your agent.
If your household income is above the subsidy range, ACA is not automatically the answer. There are other categories of coverage that may fit, and they work very differently. That is a conversation, not a web page.
The cheapest Silver plan for a 40-year-old in Michigan is $385 per month from Ambetter from Meridian, with a state median of $708. Both figures are full price before premium tax credits; most buyers pay less after subsidies.
No. Michigan exchange plans are guaranteed issue and community rated, so a nurse practitioner pays exactly what anyone else of the same age in the same ZIP pays. Occupation is not on the application as a rating factor.
Yes. Plan types filed for 2026: EPO, HMO, PPO.
Michigan ranks 6 of 15 states covered here, at a median $708 per month. Indiana is cheapest at $558 and Nebraska is most expensive at $875.
Above the cliff. At this income a single-person household receives no premium tax credit for 2026 and pays the full premium.
This occupation is above the cliff in all 20 states reported.
What this figure is. It is the median annual wage BLS reports for Nurse Practitioners (SOC 29-1171) 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 nurse practitioner. 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.
This page compares states. For Michigan specifically — county-by-county carriers, plan data and enrollment help — I publish that on Coverage by County, including a page written for Nurse Practitioners in Michigan and a blog covering deductibles, subsidies and special enrollment.
The Michigan market currently runs to 7 carriers over 83 counties. Carriers re-file every year, and for Nurse Practitioners the question that actually decides your renewal is which of them are still there in November.
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.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Michigan and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.
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 nurse practitioner 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:
Coverage for Nurse Practitioners is priced county by county across Michigan. Enter your ZIP and I will show you what is on the table.