# Atlas Commons research objects — ACA marketplace coverage for Michigan (2026) — context brief

Michigan's ACA marketplace coverage from the CMS ACA Plan Attributes PUF, with each figure's epistemic status labeled: every plan count — medical plans, standalone dental plans, and breakdowns by metal level, plan type, HSA-eligibility, and referral requirement — is a measured census of plans offered (counts of rows in the CMS file, all labeled RECORDED); the sticker premium landscape by metal tier (40yo, pre-subsidy) is a recorded set of published CMS Rate PUF rates, with the subsidy note labeled CONTEXT; the boundary note is context (labeled CONTEXT) — these count plans offered and their sticker price, not enrollment, the insured rate, or net cost after subsidies. Sources: CMS ACA Plan Attributes PUF, CMS Marketplace Rate PUF. CC0.

Claims (warrant · source), each re-fetchable to verify:

- **585 ACA medical marketplace plans are offered in Michigan for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS metal level in Michigan (2026): Silver 301, Expanded Bronze 132, Gold 116, Bronze 28** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **Medical plan counts by CMS plan type in Michigan (2026): HMO 501, PPO 43, EPO 41** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **171 of 585 medical plans in Michigan are HSA-eligible (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **485 of 585 medical plans in Michigan require no specialist referral (2026)** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **137 standalone dental plans are offered in Michigan for plan year 2026** — RECORDED · CMS ACA Plan Attributes PUF (2026 plan year) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **STICKER ACA premiums in Michigan for a 40-year-old (before tax credits): Silver median $685/mo** — DERIVED · CMS Marketplace Rate Public Use File (atlas-aggregated per tier) (https://www.cms.gov/marketplace/resources/data/public-use-files)
- **What the Michigan premiums mean — sticker, not your price** — INTERPRETATION · Coverage Atlas framing (over the CMS Rate PUF figures above) (https://coverage-atlas.ryanjhunter.workers.dev/)
- **What these coverage figures are — and are NOT — for Michigan (the epistemic boundary)** — INTERPRETATION · Coverage Atlas framing (over the CMS facts above) (https://coverage-atlas.ryanjhunter.workers.dev/)

Do not take these on trust — re-fetch each named source. Full structured object: `https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi.jsonld` · anatomy of the research object: see /commons/the-research-object

**Michigan — every coverage indicator (typed)** (11): Medical plans offered — 585 — RECORDED — CMS ACA Plan Attributes PUF (2026); Medical issuers — 7 — RECORDED — CMS ACA Plan Attributes PUF (2026); HSA-eligible medical plans — 171 — RECORDED — CMS ACA Plan Attributes PUF (2026)…
**Michigan — medical plans by CMS metal level (RECORDED)** (5): Silver — 301; Expanded Bronze — 132; Gold — 116…
**Michigan — medical plans by CMS plan type (RECORDED)** (3): HMO — 501; PPO — 43; EPO — 41…
**Michigan — medical plans by market coverage (RECORDED)** (2): Individual — 653; SHOP (Small Group) — 69…
**Michigan — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)** (4): Catastrophic — 54 — 416 — 391 — 465 — 351 — 517; Bronze — 295 — 488 — 445 — 539 — 345 — 714; Silver — 328 — 685 — 600 — 778 — 385 — 1048…
**Michigan — issuers present on the marketplace (RECORDED)** (20): AlwaysCare Benefits, Inc.; Ambetter from Meridian; BEST Life…