Marketplace subsidies in Michigan
Marketplace premium tax credits in Michigan use 100 to 400 percent of the 2026 poverty guidelines. Enhanced credits expired January 1, 2026. For four people, the guideline is $33,000. Michigan has expanded Medicaid, so income at or under 138 percent of poverty is pointed to Medicaid instead. Premium dollars are not estimated. This site does not approve or deny benefits.
Who is inside the 2026 marketplace subsidy range? A household of four is measured against $33,000. Michigan has adopted the ACA Medicaid expansion.
The largest 2-bedroom Fair Market Rent gap among ranked metros in Michigan is $171: Grand Rapids at $1,630 and Detroit at $1,459.
Michigan taxes wages at a flat 4.25%. Combined state and local sales tax is 6.0%. The ACS effective property tax rate is 1.18%.
A household of four with $48,000 of income is about 145 percent of the $33,000 poverty guideline and is likely eligible for Marketplace premium tax credits. Likely inside the 2026 subsidy range.
Limits behind the page
| Household | 100% | 138% | 185% |
|---|---|---|---|
| 1 | $15,960 | $22,025 | $29,526 |
| 2 | $21,640 | $29,863 | $40,034 |
| 3 | $27,320 | $37,702 | $50,542 |
| 4 | $33,000 | $45,540 | $61,050 |
An illustrative household
Two adults, ages 34 and 32, filing jointly, plus children ages 8 and 3. Gross income $48,000 a year, about 145 percent of the poverty guideline in Michigan. They rent. Nobody is marked disabled or pregnant.
Marketplace premium tax credits
Likely eligibleLikely inside the 2026 subsidy range
- Enhanced premium tax credits expired on January 1, 2026. This screen uses the 100 to 400 percent of poverty range for premium tax credits and does not estimate a premium dollar amount.
- Income is about 145 percent of poverty, inside the 100 to 400 percent premium-tax-credit range.
Related guides in Michigan
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- Check SNAP work rules in Michigan
- Check Medicaid work rules in Michigan
- Estimate my SNAP in Michigan
- 2027 Social Security and SSI raise
- 2027 open enrollment in Michigan
- Winter heating help in Michigan
- Lost SNAP in Michigan: what to do next
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- See what EBT can buy in Michigan
Last checked: October 15, 2026
Sources
- Congressional Research Service, Enhanced Premium Tax Credit and 2026 Exchange Premiums
- KFF Status of State Medicaid Expansion Decisions, as of October 2026
- HHS poverty guidelines for 2026
What changed
- October 15, 2026. The benefit rules file was checked against the sources listed here.
- January 15, 2026. HHS published the 2026 poverty guidelines in the Federal Register.
Other programs in Michigan
- Food stamps (SNAP)
- Medicaid and CHIP
- WIC
- School meals
- LIHEAP
- Earned Income Tax Credit
- Child Tax Credit
- Lifeline
- SSI
- State programs
Large metros in Michigan
- Detroit-Warren-Dearborn, MI · 2-bedroom FMR $1,459
- Grand Rapids-Wyoming-Kentwood, MI · 2-bedroom FMR $1,630