Governor Whitmer Encourages Michiganders to Find a Health Plan During Open Enrollment for 2026

Final individual health insurance market rates are projected to save Michiganders an estimated $250 million compared to insurers’ requests

Media Contact: DIFS-press@michigan.gov
Consumer Hotline: 877-999-6442, Michigan.gov/DIFScomplaints

FOR IMMEDIATE RELEASE: November 6, 2025

(LANSING, MICH) Governor Gretchen Whitmer and Michigan Department of Insurance and Financial Services (DIFS) Director Anita Fox are kicking off the annual Health Insurance Marketplace open enrollment period by reminding Michiganders that free local assistance is available to help them get the insurance coverage they need. Open enrollment began on November 1, 2025, and runs through January 15, 2026.

Ongoing federal uncertainty and other factors are contributing to higher insurance rates. In response, Governor Whitmer and DIFS took action to protect consumers, resulting in final approved rates that are projected to be $250 million less than what health insurers requested. According to data from KFF, Michigan is expected to have the seventh-lowest benchmark health insurance rates in the nation in 2026.

“In the face of ongoing uncertainty, we have been proactive in Michigan to ensure Michiganders have access to health insurance that helps them get and stay healthy,” said Governor Whitmer. “We will continue to work in a bipartisan manner to manage costs and protect Michiganders’ coverage for pre-existing conditions and other essential health benefits. During this Open Enrollment period, I encourage Michiganders to explore all their options and find a plan that meets their needs.”

“High-quality, comprehensive health insurance leads to better health outcomes for Michiganders and their families," said DIFS Director Anita Fox. "If you need health insurance for 2026, now is the time to sign up for a plan during open enrollment at HealthCare.gov. If you have questions, call DIFS at 877-999-6442, Monday through Friday from 8 a.m. to 5 p.m., or visit Michigan.gov/HealthInsurance for more information.

Michiganders can shop for a health plan by visiting the Health Insurance Marketplace or by calling 800-318-2596 (TTY: 1-855-889-4325). During open enrollment for 2026 coverage, consumers will have options to choose from, as 116 health plans will be available on the Marketplace. For the overall individual market, which includes off-Marketplace plans, 191 plans will be available. For questions about health coverage, visit Michigan.gov/HealthInsurance or call DIFS 8 a.m. to 5 p.m. Monday through Friday at 877-999-6442.

DIFS has created a on-demand webinar designed to help consumers learn about signing up for a health plan on the Health Insurance Marketplace and provide resources to answer any questions.

Open Enrollment navigators are also available to provide free, local assistance to consumers who need help signing up for health coverage. For assistance, visit HealthCare.gov or call 800-318-2596.

Open enrollment for 2026 health insurance runs from November 1, 2025, through January 15, 2026. Consumers must select a plan by December 15, 2025, for coverage to start on January 1, 2026. Coverage for consumers who enroll between December 15, 2025, and January 15, 2026, will begin on February 1, 2026. Consumers who miss these deadlines will, in most instances, have to wait a full year to obtain coverage.

The mission of the Michigan Department of Insurance and Financial Services 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 Michigan.gov/DIFS or follow the Department on Facebook, X, or LinkedIn.

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