Is Health Coverage in Michigan Cheaper Than the National Average?
Recent survey data says yes, with a caveat. KFF State Health Facts shows an average 2025 family premium of $23,800 in Michigan against $26,281 nationally. Single-year state figures are survey estimates, so read them as a snapshot, not a trend.
Michigan against the nation in 2025
The charts compare average premiums and show who pays in Michigan.
Family premium
$23,800 in Michigan against $26,281 nationally in 2025, a gap of about $2,500. In 2024 the figures were $24,252 and $24,540.
Single premium
$8,230 in Michigan against $9,025 nationally in 2025. The employee share of single coverage was $1,970, about 24 percent.
Who pays
Michigan employers covered about 73 percent of the 2025 family premium and employees 27 percent.
How to read the Michigan numbers
A state average says little about one group, and one year says little about a trend.
Why not to over-read it
SHADAC reports no state had a statistically significant decrease in single premiums, and notes Michigan has historically had lower-than-average costs but has been moving closer to the national average.
Michigan going forward
For 2027 the approved small-group average is 9.6 percent. Carrier-level filings show how each carrier’s rates compare.
Michigan carriers
See how the largest Michigan carrier’s plans and filings work for employers.
2027 market outlook questions.
Why are Michigan premiums lower?
KFF’s data shows the gap but does not explain it. SHADAC notes Michigan has historically had lower-than-average costs but has been moving toward the national average, with fewer small employers offering coverage.
Does that mean my renewal will be lower?
No. A state average says little about one group. Your renewal reflects your claims, size, plan and carrier.
How current is this data?
The state tables are for 2025, while the national employer survey is for 2026, so the state snapshot lags the national figures.
Where the figures come from.
KFF State Health Facts, family premiums KFF State Health Facts, single premiums WZMQ 19 on the SHADAC Michigan study SHADAC on the 2025 employer premium data
Send us your renewal.
We’ll tell you whether it looks competitive, where we see opportunity, and the five questions we’d put to your carrier. No cost, and no obligation to move anything.
The renewal letter
Your current plan summary
Contribution split by tier
Enrolled counts by tier
Four documents — two more if your group is 50 or more. Nothing else; every extra one is a reason to postpone.
An independent employee benefits consulting firm. We look at the entire benefits program: cost, plan performance, risk and administration.
Switch to CFH. Unhappy with your broker? Your employees won’t notice. You will. →