Decline in Health Insurance Enrollments in Michigan During 2026 Marketplace Open Enrollment
The Washtenaw Health Project (WHP) has reported a significant decline in health insurance enrollments during the 2026 Health Insurance Marketplace Open Enrollment period. This reduction reflects growing challenges related to the affordability of coverage for families in the region. In 2026, WHP facilitated Marketplace enrollments for 551 individuals, a 31.5% decrease from the previous year's 804 enrollees.
Despite the enrollment decline, the demand for assistance remained strong, with WHP providing 1,735 client consultations during the period, only slightly fewer than the prior year. "This year, we spent just as much time helping people understand their options," stated WHP Executive Director Jeremy Lapedis. Lapedis noted that many families had anticipated legislative actions to lower healthcare costs, but when these changes failed to materialize, many were forced to forgo coverage due to high costs.
The drop in enrollments aligns with the expiration of enhanced Affordable Care Act premium tax credits in 2025, which had reduced insurance costs for many. Additionally, new regulatory compliance requirements under H.R. 1 placed eligibility restrictions, removing subsidies for permanent residents and those earning below 100% of the Federal Poverty Level.
Estimates reveal that ACA health insurance premiums have more than doubled nationwide for 2026. WHP staff observed this trend, with some premiums exceeding the average increase. One couple, who previously paid nothing for coverage, faced a $1,409 monthly premium in 2026, resulting in a potential yearly exposure exceeding $38,000 when including a significant deductible.
Statewide data shows Michigan experienced a reduction in Marketplace enrollment, from 531,083 in 2025 to 497,064 in 2026, a 6.4% decrease. Nationally, enrollment fell by about 5%, with new sign-ups dropping by 14%. Emerging reports suggest an increase in cancellations and non-payments may further affect the insured population as new premiums take hold.
The notable local enrollment decline underscores the impact of subsidy changes on lower-income groups and immigrant communities in Washtenaw County. Though fewer residents enrolled, many required guidance in navigating new eligibility criteria and making difficult financial choices. "We are seeing people forced to choose between health insurance and other basic necessities," Lapedis remarked, highlighting the ongoing necessity of accessible, community-based enrollment support.
Throughout the year, WHP continues to offer free and impartial enrollment assistance to approximately 8,000 residents in Washtenaw County. For more information on health coverage options, the organization can be contacted via their website or phone.