Updates About Health Insurance

Governor Gretchen Whitmer has signed an executive directive instructing the Department of Insurance and Financial Services (DIFS) to assist Michiganders with navigating upcoming changes to the federal Health Insurance Marketplace. This directive comes in response to a recently passed federal budget bill, which state officials worry could raise premium costs by thousands annually and create new barriers for families trying to maintain their coverage. In Michigan alone, more than 500,000 residents currently rely on Marketplace insurance.

The changes are expected to increase verification requirements for many applicants, particularly for families with incomes at or below 150% of the federal poverty level. Beginning in 2026, the open enrollment period will also be shortened by one month, giving residents less time to secure coverage. Marketplace insurance and Enhanced Premium Tax Credits have historically helped lower costs for working families, providing an average savings of about $700 annually.

Under the directive, DIFS will expand outreach during open enrollment, provide direct assistance through its consumer helpline, and connect residents with Health Insurance Navigators to discuss their options. We’ll continue to monitor how these changes may affect Michiganders. In the meantime, you may read the governor’s full executive directive for more information.

As Medicare and Medicaid reach their 60th anniversary, Governor Gretchen Whitmer and Lieutenant Governor Garlin Gilchrist are celebrating the sweeping impact the programs have had on Michiganders while also raising alarm over recent federal threats to their future. These landmark health care programs now cover more than one in four state residents, providing essential care for children, seniors, people with disabilities, and low-income families. Whitmer credited Medicaid and Medicare with reducing poverty, supporting rural hospitals, and keeping costs down for working families.

At the same time, Whitmer and Gilchrist sharply criticized recently passed federal legislation that cuts nearly $1 trillion in Medicaid funding, which would eliminate health care for many here in Michigan. With nearly 2.6 million Michiganders relying on these programs, including 1 million children and three in five nursing home residents, Whitmer and Gilchrist have pledged to keep fighting for access to affordable care, even as Congress moves in the opposite direction.

The Michigan Department of Insurance and Financial Services (DIFS) has selected Laura Hall to rejoin the department as Senior Chief Deputy Director. Hall previously served as DIFS’ Communications Director before becoming Director of Policy, Communications, and Engagement at the Michigan Department of Lifelong Education, Advancement, and Potential (MiLEAP). In her new role, Hall will be responsible for overseeing all department operations and its regulation of the insurance and financial sectors. DIFS Director Anita Fox praised Hall’s return, citing her leadership and public service experience as key assets to the department’s mission of ensuring access to safe and secure financial and insurance services for Michigan residents.