Tow Truck Operators Health Insurance in Michigan (2026)

The benchmark premium for a 40-year-old in Michigan is $523 a month for 2026, ranking 6 of 21 states published here. BLS reports a median annual wage of $40,500 for Light Truck Drivers in Michigan.

Wage benchmark and the 2026 subsidy cliff

$40,500median annual wage, Tow Truck Operators in Michigan

259%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 is below the cliff in all 21 states reported.

What this figure is. It is the median annual wage BLS reports for Light Truck Drivers (SOC 53-3033) 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 tow truck operator. 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	$46,230	below
2	Virginia	$455	$43,200	below
3	Indiana	$474	$43,070	below
4	Nevada	$497	$42,260	below
5	Ohio	$513	$41,430	below
6	Michigan	$523	$40,500	below
7	Colorado	$557	$46,960	below
8	South Carolina	$564	$38,960	below
9	Oklahoma	$604	$38,080	below
10	Wisconsin	$611	$46,480	below
11	Georgia	$615	$42,950	below
12	North Carolina	$638	$38,800	below
13	Utah	$640	$43,760	below
14	Alabama	$645	$38,130	below
15	Illinois	$646	$46,440	below
16	South Dakota	$655	$44,090	below
17	Texas	$661	$40,760	below
18	Kansas	$670	$42,620	below
19	Florida	$683	$40,160	below
20	Nebraska	$710	$42,940	below
21	Arkansas	$774	$37,630	below

Questions

Does being a tow truck operator 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 tow truck operators 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 Light Truck Drivers in Michigan is $40,500, 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.

← Tow Truck Operators in all states · All trades · All occupations

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