Open Enrollment 2026 – What Michigan Families Need to Know
Open Enrollment for 2026 is officially underway, and Michigan families have more choices — and more confusion — than ever. Whether you’re renewing a Marketplace plan, evaluating employer coverage, or exploring self-employed options, it’s easy to get overwhelmed by the acronyms and fine print.
That’s where Plan IV comes in. Our advisors, based in Troy, Michigan, help individuals, families, and businesses make confident, informed decisions during Open Enrollment — without the guesswork.
Garrett Simonis with Plan IV was so patient, knowledgable and helpful with setting up a number of my clients with health insurance. I would highly recommend Garrett whether you have 2 or 20 employees needing health insurance options, he will take wonderful care and make the process easy.
What Is Open Enrollment?
Open Enrollment is the annual window when Michigan residents can enroll in or change Affordable Care Act (ACA) health insurance plans.
It’s your opportunity to review your coverage, compare costs, and update your plan to match any life changes or new health needs.
When Is Open Enrollment for 2026 in Michigan?
The 2025 Open Enrollment Period runs from November 1, 2025 through January 15, 2026 (2026 Plan Year).
If you want coverage to start January 1, 2026, your application must be submitted by December 15, 2025.
After January 15, you’ll typically need a qualifying life event — such as losing coverage, getting married, or having a baby — to make changes.
What’s New for 2026 Plans?
This year, Michigan residents can expect:
- Expanded ACA Marketplace options with additional carriers in many counties
- Updated subsidy thresholds that may lower monthly premiums
- Broader telehealth coverage and improved mental health benefits
- Employer group plan updates due to federal cost adjustments
Our advisors track these changes daily so you don’t have to.
How to Choose the Right Plan
Here’s what to compare before you enroll:
- Premium vs. deductible – How often you use care affects which balance works best.
- Provider network – Confirm that your preferred doctors and hospitals participate.
- Prescription coverage – Drug formularies can vary widely between carriers.
- Subsidy eligibility – Many households qualify for monthly premium assistance.
Quick Visual Guide
Plan Tier | Typical Premium | Typical Deductible | Ideal For |
Bronze | Lowest | Highest | Healthy individuals who rarely visit doctors |
Silver | Moderate | Balanced | Families using care a few times a year |
Gold | Highest | Lowest | Frequent care or chronic conditions |
Why Work with a Local Michigan Advisor?
Online marketplaces show options — but they don’t show strategy.
Plan IV’s licensed advisors:
- Provide one-on-one guidance to find plans that fit your health and budget.
- Navigate subsidy applications and employer contributions.
- Ensure your plan integrates with dental, vision, life, and disability coverage.
Open Enrollment isn’t just a form — it’s a financial decision that shapes your entire year.
Trusted Local Expertise
Since opening our office in July 2011, Plan IV has helped Michigan families choose coverage that truly fits their lifestyle and budget. As a licensed Michigan health insurance agency, Plan IV works with the Health Insurance Marketplace and leading private carriers to help clients find plans that combine value and reliability.
Get Expert Help Before the Deadline
Don’t let the clock run out. Our Troy-based advisors can review your current coverage, explore new 2025 options, and submit your application before deadlines close.
Frequently Asked Questions About Open Enrollment
Do all Michigan counties have the same insurance options?
No. Each county in Michigan may have different participating carriers and plan networks. Our advisors can confirm which plans are available in your ZIP code.
What happens if I don’t choose a plan for 2026?
If you’re uninsured, you may be responsible for all medical expenses out of pocket. Some hospitals and clinics in Michigan have financial aid programs, but coverage gaps can be costly. Plan IV can help you find affordable coverage to avoid this.
Can I keep my doctor if I switch plans?
Usually—but it depends on whether your doctor is in-network under the new plan. Before switching, we check your preferred physicians and hospitals for you.
What’s the difference between Marketplace and private plans?
Marketplace (ACA) plans are government-regulated and eligible for income-based subsidies. Private plans are purchased directly through carriers and may have broader networks or flexible start dates.
Final Note
Open Enrollment is the best time to protect your family’s health and finances. With personalized advice and local expertise, Plan IV makes Michigan health insurance simple, strategic, and stress-free.