Marketplace Open Enrollment began yesterday, low cost health plans available for working families

Marketplace Open Enrollment period began yesterday, extended through Jan. 15, 2022

Photo of Angela Mulka
Open Enrollment is here.

Open Enrollment is here.

Screenshot/ website

Gov. Whitmer announced yesterday Michiganders have more health plans to choose from, more low- or no-cost coverage options and more time to enroll during the Health Insurance Marketplace Open Enrollment period, according to a press release from her office.

The Health Insurance Marketplace Open Enrollment period started yesterday and has been extended through Jan. 15 by the Biden Administration. But, consumers generally need to choose a plan by Dec. 15 for their coverage to start on the first of the year.

During Open Enrollment, Michigan consumers are able to choose from 174 approved health plans from 10 insurers on the Health Insurance Marketplace, which is available at or by calling 800-318-2596. In addition, an increased number of off-Marketplace plans are available, bringing the total number of individual plans available to Michiganders to 256.

The Michigan Department of Insurance and Financial Services has approved average rate changes for individual plans that range from a decrease of 1.8% to an increase of 8.8%.

Overall, the average rate increase on the individual market is 4.7%, well below the 6% average annual increase in health care costs seen during the last two years. Michigan continues to have a robust marketplace and comparatively lower average premium rates than most other states, tying for the 3rd lowest benchmark premiums in a 2021 Kaiser Family Foundation study

"Michigan has called for expanded health coverage opportunities throughout the pandemic, and I applaud the Biden-Harris Administration for its continued work in lowering costs to high-quality, comprehensive health insurance for Michigan's working families," Whitmer said in the release. "Through increased subsidies, an extended enrollment period, and more investment in local assistance, Michiganders have the support they need to get covered for 2022."  

More low- or no-cost coverage options

Increased subsidies established by the American Rescue Plan to give more Michiganders the opportunity to qualify for low- or no-cost coverage will continue in 2022.

In 2021, Michigan consumers saw an average premium reduction of 45% through these subsidies, or more than $71 per month in savings. Statewide, Michiganders saw nearly $12 million in savings per month, and nationally, more than half of consumers found coverage for $10 or less per month.

Premium tax credits depend on estimated household income, and consumers will see the monthly savings they qualify for when they apply for Marketplace coverage. Before applying, Michiganders can visit to estimate whether they may qualify for subsidies and other savings.

Assistance for Enrollment 

Three Michigan organizations were awarded $3.3 million in grants to expand access to qualified navigators who provide free assistance to consumers who need help signing up for health coverage. For questions about health coverage, visit or call 800-318-2596.

"Many people worry it is either too expensive or too complicated to sign up for a health plan. Fortunately, Michigan remains one of the least expensive states in the country to purchase health insurance and there is free, local enrollment help available by visiting or calling 800-318-2596," said Michigan Department of Insurance and Financial Services Director Anita Fox in the press release. "Comprehensive health insurance leads to better health outcomes, so Open Enrollment is an important opportunity for Michiganders to protect their health and financial wellness."