Ranked 6 of 15 states · median $708/mo · CMS PY2026
Licensed Independent Agent · NPN #22052447 · 21 States
A 40-year-old private tutor 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 counties covered, Michigan ranks 7 of 15 for this occupation.
Coverage that only works where you sleep is not coverage if you spend the week elsewhere. The binding question is whether the plan pays out of area at all, and beyond emergencies many HMOs simply do not. States below are ordered by network reach, with the no-PPO states flagged.
Occupational context: Sedentary strain; travel between client homes.
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 private tutor or an accountant. Occupation changes the shopping criteria, nothing else.
Premium is set by rating area, so a private tutor 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 |
|---|---|---|---|---|
| Oceana | $471 | Oscar | $6,000 | 5 |
| Saint Joseph | $505 | Ambetter from Meridian | $7,000 | 5 |
| Leelanau | $546 | Blue Care Network of Michigan | $5,800 | 4 |
| Mason | $591 | Ambetter from Meridian | $7,000 | 5 |
| Emmet | $592 | Blue Care Network of Michigan | $5,800 | 4 |
| Arenac | $633 | Blue Care Network of Michigan | $5,800 | 4 |
The spread across just these six is $161/month — $1,936 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 reach | 2026 |
|---|---|
| Counties in the state | 83 |
| Counties with only one carrier | 0 (0%) |
| Plan types available | EPO, HMO, PPO |
| PPO available on exchange | Yes |
| Carriers filing in the state | 7 |
| Cheapest Silver @40 | $385 — Genesee |
Michigan has PPO plans available. For a private tutor covering distance, that single fact outweighs premium: 0 of 83 counties here are served by one carrier, so an HMO bought in one metro may leave you out of network for the rest of your route.
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
Cross-state numbers are useful for understanding whether Michigan is treating you well, not for arbitrage. You cannot buy an out-of-state exchange plan. If you are a private tutor weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Expense categories that typically apply to this trade: Materials, vehicle mileage, background checks, software. 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 Private Tutors in Michigan and a blog covering deductibles, subsidies and special enrollment.