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DIFS: New Company Filings Highlight Increased Competition, New Consumer Choices on Health Insurance Marketplace for 2022

Media Contact: Laura Hall, 517-290-3779,
Consumer Hotline: 877-999-6442,


(LANSING, MICH) Highlighting Michigan's increasingly competitive health insurance market, the Michigan Department of Insurance and Financial Services (DIFS) has reported that consumers will have more health plan options from an increased number of insurers on the Health Insurance Marketplace for the upcoming open enrollment period.

"As we look toward the end of the pandemic and beyond, it is critical that Michiganders are able to get the affordable, high quality health coverage they need for themselves and their families," said DIFS Director Anita Fox. "Consumers will have more options to choose from when shopping for health insurance coverage on the Marketplace during open enrollment later this year."

Open enrollment for 2022 coverage runs from November 1 through December 15, 2021, and Michiganders can obtain coverage by visiting the Health Insurance Marketplace or by calling 800-318-2596 (TTY: 1-855-889-4325). Consumers will be able to choose from 175 health plans on the Marketplace, 47 more than last year, offered by the following companies:

  • Blue Care Network of Michigan
  • Blue Cross Blue Shield of Michigan Mutual Insurance Company
  • McLaren Health Plan Community
  • Meridian Health Plan of Michigan, Inc.
  • Molina Healthcare of Michigan, Inc.
  • Oscar Insurance Company
  • Physicians Health Plan
  • Priority Health
  • United Healthcare Community Plan
  • U.S. Health and Life Insurance Company

For the overall individual market, which includes off-Marketplace plans, 257 plans will be available, 52 more than last year. As always, DIFS encourages consumers to carefully shop around to find the best plan for themselves, their families, and their budget.

DIFS is responsible for reviewing all plans and rates to ensure compliance with state and federal laws. For the third year in a row, none of the individual market plan rate increases filed in Michigan have exceeded the federal rate review threshold of 15%. Overall, the average filed rate changes for individual plans range from a decrease of 2.7% to an increase of 8.8%.

The Michigan Health Insurance Rate Change Request Charts are posted on the DIFS website. When reviewing the charts, it is important to note that:

  • rate changes are an average percent change across all plans; some consumers will experience rate changes either greater or less than those in the chart;
  • an increase or decrease does not reflect how a health insurer's premiums compare to plans offered by other insurers; and
  • individuals who receive a tax credit that covers a portion of their premiums will experience rate changes that differ due to the tax credit calculation.

DIFS is seeking public comment on these proposed rate changes. Comments should be sent electronically to and, if submitted before July 31, 2021, will be considered in DIFS' review.

"DIFS is committed to providing transparency in the rate review process and we welcome the public's input," said Fox. "As always, DIFS is here to help consumers if they have questions or concerns about their health insurance coverage."

Michiganders who still need health coverage for 2021 are encouraged to take advantage of low and no-cost health insurance options that are available under the current special enrollment period which runs through August 15. Additional information is available on the DIFS website or by calling DIFS 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

The mission of the Department is to ensure access to safe and secure insurance and financial services fundamental for the opportunity, security, and success of Michigan residents, while fostering economic growth and sustainability in both industries. In addition, the Department provides consumer protection, outreach, and financial literacy and education services to Michigan residents. For more information, visit or follow the Department on Facebook, Twitter, or LinkedIn.