Michigan Prepares Residents for Upcoming Health Insurance Enrollment

The Michigan Department of Insurance and Financial Services (DIFS) is encouraging residents to prepare for the upcoming Health Insurance Marketplace Open Enrollment period, which begins on November 1, 2025, for coverage in 2026. This advisory comes in response to recent federal changes and the gradual phase-out of certain tax credits that could affect health insurance options for many individuals.

Residents are urged to collect necessary income and tax information ahead of time to facilitate a smoother enrollment process. DIFS is equipped to assist residents in comparing various health insurance plans and understanding their available options. Key changes to this year’s enrollment process include a reduced timeframe for correcting application errors, which is now limited to 90 days, and new requirements for proof of eligibility to qualify for subsidies.

Insurance providers may not disclose premium details for 2026 in their notices, potentially impacting how residents assess their options. Enrollment will conclude on January 15, 2026, but those seeking coverage effective January 1, 2026, must register by December 15, 2025.

Resources Available for Residents

To aid residents in navigating the upcoming enrollment, DIFS has released a video tutorial designed to simplify the process of selecting health insurance during the open enrollment period. Additionally, free assistance is available through trained navigators, who can be reached at 800-318-2596. These resources are accessible via HealthCare.gov, ensuring that residents have the support they need to make informed decisions regarding their health insurance coverage.

By taking proactive steps, residents can ensure they are adequately prepared for the changes ahead, allowing them to secure the health insurance that best meets their needs.