Ranked 6 of 15 states · median $708/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old nutritionist 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.
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Occupational context: Sedentary counseling strain.
Worth being clear about what this does and does not affect: a carrier in Michigan cannot ask what you do for a living, cannot charge a nutritionist more than a librarian of the same age in the same ZIP, and cannot exclude anything you were already treated for. Occupation only tells you which plan structure to shop for.
Premium is set by rating area, so a nutritionist 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 |
|---|---|---|---|---|
| Keweenaw | $769 | Blue Care Network of Michigan | $5,800 | 2 |
| Lapeer | $385 | Ambetter from Meridian | $7,000 | 5 |
| Ogemaw | $445 | Ambetter from Meridian | $7,000 | 5 |
| Kent | $471 | Oscar | $6,000 | 7 |
| Berrien | $505 | Ambetter from Meridian | $7,000 | 4 |
| Benzie | $546 | Blue Care Network of Michigan | $5,800 | 4 |
The spread across just these six is $384/month — $4,609 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 nutritionist 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 nutritionist 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: Certification, practice software, CE credits. 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. Under the ACA, carriers cannot rate, decline, or exclude based on occupation or health history. Rates vary only by age, ZIP code, tobacco use and household size.
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.
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 Nutritionists in Michigan and a blog covering deductibles, subsidies and special enrollment.