Ranked 6 of 15 states · median $708/mo · CMS PY2026
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
A 40-year-old ux designer 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 cheapest Silver at age 27, Michigan ranks 1 of 15 for this occupation.
Desk-based work usually means low claim volume and a younger buyer, which makes a high-deductible plan paired with an HSA the mathematically better bet in most years. These pages rank states by what a healthy buyer actually pays at ages 27 and 40.
Occupational context: Repetitive stress injury and eye strain.
None of that changes your price. ACA plans in Michigan are community rated — premium varies by age, ZIP code, tobacco use and household size only. Your occupation cannot be used to rate you, decline you, or exclude a condition. What it changes is which plan design is the right bet.
Premium is set by rating area, so a ux designer 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 |
|---|---|---|---|---|
| Grand Traverse | $546 | Blue Care Network of Michigan | $5,800 | 4 |
| Lake | $591 | Ambetter from Meridian | $7,000 | 5 |
| Charlevoix | $592 | Blue Care Network of Michigan | $5,800 | 4 |
| Livingston | $613 | Blue Care Network of Michigan | $5,800 | 4 |
| Chippewa | $645 | Blue Care Network of Michigan | $5,800 | 2 |
| Clare | $681 | Blue Care Network of Michigan | $5,800 | 4 |
The spread across just these six is $135/month — $1,623 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 — the age curve | 2026 |
|---|---|
| Cheapest Silver @27 | $316 |
| Cheapest Silver @40 | $385 |
| Cheapest Silver @60 | $818 |
| Cheapest Bronze @40 | $345 — Blue Care Network of Michigan |
| Bronze deductible | $10,600 |
| Lowest deductible in state | $800 |
A 27-year-old ux designer in Michigan starts at $316; the same plan class at 60 starts at $818 — roughly 2.6× as much. If a Bronze plan here is HSA-qualified, the deduction plus low claim volume usually beats Silver on total annual cost. Confirm HSA eligibility on the plan document, not the metal tier.
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 ux designer weighing a relocation for other reasons, the premium difference is a real line item worth putting in the decision.
Self-employed Ux Designers in Michigan typically deduct: Software, hardware, research tools, home office. Health premiums sit separately, above the line under IRC §162(l), and only when neither you nor a spouse could have joined an employer plan — eligibility disqualifies you even if you declined the coverage.
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.
It cannot happen on an exchange plan. Rating in Michigan uses four inputs only: age, ZIP code, tobacco use and how many people are on the policy. Trade, injury history and pre-existing conditions are all excluded from pricing by law.
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 sits above the cliff in 19 of the 21 states reported and below it in the other 2, so the answer changes with the state.
What this figure is. It is the median annual wage BLS reports for Web and Digital Interface Designers (SOC 15-1255) 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 ux designer. 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 Ux Designers in Michigan and a blog covering deductibles, subsidies and special enrollment.
Michigan has 7 carriers filing across 83 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for an ux designer buying your own cover, who stays matters more than the headline rate.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Michigan has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Michigan included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
All 83 counties in Michigan sell a PPO, which is unusual and useful. For an ux designer covering ground, it is the plan type that travels best.
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 Ux Designers is priced county by county across Michigan. Enter your ZIP and I will show you what is on the table.