Farmington and Farmington Hills residents shopping for 2027 marketplace health insurance can enroll through Jan. 15, with Michigan’s individual-market premiums rising an average of 14.2%.

Residents seeking coverage that begins Jan. 1 must select a plan by Dec. 15, according to the Michigan Department of Insurance and Financial Services. Open enrollment began Nov. 1.

“Biggest thing we say is the biggest mistake you can make is wait and miss the deadline,” Laura Hall, the department’s chief deputy director, told WXYZ.

Costs and plan choices

The state’s approved-rate table lists an average 14.2% increase for individual health insurance plans, including marketplace coverage, and 9.6% for small group plans.

Those averages do not predict every household’s bill. Rate changes vary by plan and location, and tax credits affect what eligible consumers pay.

DIFS says 143 marketplace plans will be offered across Michigan for 2027. Not every plan is available in every community.

Ambetter from Meridian will return to Oakland, Wayne, Macomb and Monroe counties for 2027 after withdrawing from those markets in 2026, Bridge Michigan reported, citing a company spokesperson. Residents can check available plans by entering their ZIP code at HealthCare.gov.

A University of Michigan research brief reported that Michigan marketplace enrollment in February 2026 was about 130,000 lower than a year earlier. That represented a 27% decline, compared with 12% nationally.

Preparing to apply

Hall advised applicants to gather income and eligibility information and review prescriptions, doctor visits and anticipated medical needs before choosing coverage, WXYZ reported.

HealthCare.gov says applicants may need to provide documents confirming information such as income, citizenship or immigration status. If documents are required, the marketplace will send a notice explaining what to submit and when.

How to enroll

Residents can compare plans and apply at HealthCare.gov or call 800-318-2596.

Free enrollment assistance is available through HealthCare.gov’s local-help directory. DIFS also offers an on-demand enrollment webinar and answers questions at 877-999-6442, Monday through Friday, 8 a.m. to 5 p.m.

Key dates

  • Dec. 15: Last day to select a plan for coverage beginning Jan. 1, 2027.
  • Dec. 16-Jan. 15: Enrollment for coverage beginning Feb. 1, 2027.

Consumers must pay their first premium for coverage to begin, according to HealthCare.gov.

After Jan. 15, marketplace enrollment generally requires eligibility for a special enrollment period, such as after losing health coverage or another qualifying life event.