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  "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi.jsonld",
  "@type": "schema:Dataset",
  "name": "Atlas Commons research objects — ACA marketplace coverage for Michigan (2026)",
  "description": "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.",
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    "name": "Michigan",
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  "claims": [
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/medical-plan-count",
      "@type": "schema:Claim",
      "name": "585 ACA medical marketplace plans are offered in Michigan for plan year 2026",
      "text": "The CMS ACA Plan Attributes PUF records 585 on-marketplace medical plans from 7 issuers offered in Michigan for the 2026 plan year. A census of offered plans.",
      "claimType": "official_fact",
      "reviewStatus": "current",
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        "value": "585 plans / 7 issuers",
        "adjudicator": {
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      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/metal-distribution",
      "@type": "schema:Claim",
      "name": "Medical plan counts by CMS metal level in Michigan (2026): Silver 301, Expanded Bronze 132, Gold 116, Bronze 28",
      "text": "Counts of the 585 medical plans by CMS-defined metal level: Silver 301, Expanded Bronze 132, Gold 116, Bronze 28, Catastrophic 8. The metal levels are CMS categories; this is a count of PUF rows per category.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
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      },
      "grounding": {
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        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "Silver 301, Expanded Bronze 132, Gold 116, Bronze 28, Catastrophic 8",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
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      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/plan-type-distribution",
      "@type": "schema:Claim",
      "name": "Medical plan counts by CMS plan type in Michigan (2026): HMO 501, PPO 43, EPO 41",
      "text": "Counts of the 585 medical plans by CMS-defined plan type (HMO/PPO/EPO/POS): HMO 501, PPO 43, EPO 41. A count of PUF rows per CMS category.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
        "supported": true,
        "adjudged": true,
        "operative": true
      },
      "grounding": {
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        "source": "CMS ACA Plan Attributes PUF (2026 plan year)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "HMO 501, PPO 43, EPO 41",
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      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/hsa-eligible",
      "@type": "schema:Claim",
      "name": "171 of 585 medical plans in Michigan are HSA-eligible (2026)",
      "text": "The PUF flags 171 of the 585 medical plans as HSA-eligible — a count of plans carrying the CMS HSA-eligibility attribute.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
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        "value": "171 HSA-eligible",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
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      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/no-referral",
      "@type": "schema:Claim",
      "name": "485 of 585 medical plans in Michigan require no specialist referral (2026)",
      "text": "The PUF flags 485 of the 585 medical plans as not requiring a referral to see a specialist — a count of plans carrying the CMS no-referral attribute.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
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      },
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        "value": "485 no-referral",
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      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/dental-plan-count",
      "@type": "schema:Claim",
      "name": "137 standalone dental plans are offered in Michigan for plan year 2026",
      "text": "The PUF records 137 standalone dental plans from 15 issuers offered in Michigan for the 2026 plan year.",
      "claimType": "official_fact",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": true,
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      },
      "grounding": {
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        "value": "137 dental plans / 15 issuers",
        "adjudicator": {
          "name": "CMS ACA Plan Attributes PUF (2026 plan year)",
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      },
      "falsifier": "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/premium-landscape",
      "@type": "schema:Claim",
      "name": "STICKER ACA premiums in Michigan for a 40-year-old (before tax credits): Silver median $685/mo",
      "text": "Per-metal-tier MEDIAN and range of full (pre-subsidy) monthly premiums for a 40-year-old, individual, non-tobacco, across Michigan's 16 rating area(s): Catastrophic $416 ($351–$517), Bronze $488 ($345–$714), Silver $685 ($385–$1,048), Gold $723 ($409–$1,217). The per-plan rates are RECORDED in the CMS Marketplace Rate PUF; these per-tier median/min/max figures are DERIVED — the atlas's own aggregation over 116 Rate-PUF rate rows (CMS does not publish a state×tier median). The FULL sticker price — most marketplace enrollees pay less after income-based premium tax credits; this is not net cost.",
      "claimType": "derived_measure",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "DerivedMeasure",
        "source": "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)",
        "sourceUrl": "https://www.cms.gov/marketplace/resources/data/public-use-files",
        "value": "Silver median $685/mo (40yo, sticker)",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a computed summary, not a single published figure) and adjudged=FALSE (the atlas's aggregation, not a CMS-published statistic). Reproduce it: take the median/min/max of the 116 CMS Rate-PUF rows for a 40yo non-tobacco enrollee per metal tier across the rating areas. Falsified if the per-row rates or the aggregation are wrong; it is sticker (pre-subsidy), so it overstates what a subsidized enrollee pays."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/premium-subsidy-boundary",
      "@type": "schema:Claim",
      "name": "What the Michigan premiums mean — sticker, not your price",
      "text": "The premiums above are FULL pre-subsidy stickers. The Affordable Care Act caps a household's benchmark-Silver premium at a share of income via an advance premium tax credit, which can be applied to any tier — so a subsidized lower-income enrollee can pay far less, sometimes near $0. The sticker tells you how plans compare and the unsubsidized cost, NOT what you will pay. Net cost depends on your income and the prevailing tax-credit rules; we do not compute it. Get your actual price at HealthCare.gov.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the CMS Rate PUF figures above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "sticker premiums; net cost depends on income-based tax credits — use HealthCare.gov",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict). The sticker premiums above are CMS Rate PUF records (recorded); this subsidy note is interpretation."
    },
    {
      "@id": "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/boundary",
      "@type": "schema:Claim",
      "name": "What these coverage figures are — and are NOT — for Michigan (the epistemic boundary)",
      "text": "The plan counts above are a COUNT OF PLANS OFFERED on the ACA marketplace for plan year 2026 (a CMS PUF census); the premiums are FULL sticker rates for a 40-year-old. They are NOT enrollment counts, the insured/uninsured rate, NET cost after subsidies, or who actually has coverage. For your net premium use HealthCare.gov / your state marketplace; for the insured rate use the Census ACS / KFF. This object describes what is OFFERED and its sticker price, not who is COVERED or what they pay.",
      "claimType": "interpretation",
      "reviewStatus": "current",
      "commercialInfluence": false,
      "epistemicStatus": {
        "occurred": false,
        "supported": true,
        "adjudged": false,
        "operative": true
      },
      "grounding": {
        "groundingType": "Interpretation",
        "source": "Coverage Atlas framing (over the CMS facts above)",
        "sourceUrl": "https://coverage-atlas.ryanjhunter.workers.dev/",
        "value": "counts of plans offered + sticker premiums; not enrollment, insured-rate, or net cost",
        "adjudicator": null
      },
      "falsifier": "occurred=FALSE (a framing, not an event) and adjudged=FALSE (the atlas's reading, not a CMS verdict) — the LOWEST-warrant claim here. The plan counts and sticker premiums above are direct CMS records; this is interpretation, and the four-status says so."
    }
  ],
  "hasPart": [
    {
      "@type": "schema:ItemList",
      "name": "Michigan — every coverage indicator (typed)",
      "numberOfItems": 11,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "indicator": "Medical plans offered",
            "value": 585,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "indicator": "Medical issuers",
            "value": 7,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "indicator": "HSA-eligible medical plans",
            "value": 171,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "indicator": "Medical plans requiring no specialist referral",
            "value": 485,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "indicator": "Standalone dental plans offered",
            "value": 137,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "indicator": "Standalone dental issuers",
            "value": 15,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "indicator": "Distinct issuers (medical + dental)",
            "value": 21,
            "warrant": "RECORDED",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "indicator": "Plan year",
            "value": 2026,
            "warrant": "—",
            "source": "CMS ACA Plan Attributes PUF (2026)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "indicator": "Silver median sticker premium (USD/mo)",
            "value": 685,
            "warrant": "DERIVED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "indicator": "Rating areas (premium aggregate)",
            "value": 16,
            "warrant": "RECORDED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "indicator": "Rate-PUF rate rows summarized",
            "value": 116,
            "warrant": "RECORDED",
            "source": "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Michigan — medical plans by CMS metal level (RECORDED)",
      "numberOfItems": 5,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "metal_level": "Silver",
            "plan_count": 301
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "metal_level": "Expanded Bronze",
            "plan_count": 132
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "metal_level": "Gold",
            "plan_count": 116
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "metal_level": "Bronze",
            "plan_count": 28
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "metal_level": "Catastrophic",
            "plan_count": 8
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Michigan — medical plans by CMS plan type (RECORDED)",
      "numberOfItems": 3,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "plan_type": "HMO",
            "plan_count": 501
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "plan_type": "PPO",
            "plan_count": 43
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "plan_type": "EPO",
            "plan_count": 41
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Michigan — medical plans by market coverage (RECORDED)",
      "numberOfItems": 2,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "market_coverage": "Individual",
            "plan_count": 653
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "market_coverage": "SHOP (Small Group)",
            "plan_count": 69
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Michigan — sticker ACA premiums by metal tier (40yo, pre-subsidy, DERIVED)",
      "numberOfItems": 4,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "tier": "Catastrophic",
            "plans": 54,
            "median_usd": 416,
            "p25_usd": 391,
            "p75_usd": 465,
            "min_usd": 351,
            "max_usd": 517
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "tier": "Bronze",
            "plans": 295,
            "median_usd": 488,
            "p25_usd": 445,
            "p75_usd": 539,
            "min_usd": 345,
            "max_usd": 714
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "tier": "Silver",
            "plans": 328,
            "median_usd": 685,
            "p25_usd": 600,
            "p75_usd": 778,
            "min_usd": 385,
            "max_usd": 1048
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "tier": "Gold",
            "plans": 215,
            "median_usd": 723,
            "p25_usd": 557,
            "p75_usd": 860,
            "min_usd": 409,
            "max_usd": 1217
          }
        }
      ]
    },
    {
      "@type": "schema:ItemList",
      "name": "Michigan — issuers present on the marketplace (RECORDED)",
      "numberOfItems": 20,
      "itemListElement": [
        {
          "@type": "schema:ListItem",
          "position": 1,
          "item": {
            "issuer": "AlwaysCare Benefits, Inc."
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 2,
          "item": {
            "issuer": "Ambetter from Meridian"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 3,
          "item": {
            "issuer": "BEST Life"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 4,
          "item": {
            "issuer": "Blue Care Network of Michigan"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 5,
          "item": {
            "issuer": "Blue Cross Blue Shield of Michigan Mutual Insurance Company"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 6,
          "item": {
            "issuer": "DENCAP Dental Plans, Inc"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 7,
          "item": {
            "issuer": "Delta Dental of Michigan"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 8,
          "item": {
            "issuer": "Dominion National"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 9,
          "item": {
            "issuer": "EMI Health"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 10,
          "item": {
            "issuer": "Guardian"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 11,
          "item": {
            "issuer": "Humana"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 12,
          "item": {
            "issuer": "McLaren Health Plan Community"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 13,
          "item": {
            "issuer": "Metropolitan Life Insurance Company"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 14,
          "item": {
            "issuer": "Oscar Insurance Company"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 15,
          "item": {
            "issuer": "Paramount"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 16,
          "item": {
            "issuer": "Priority Health"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 17,
          "item": {
            "issuer": "Renaissance Dental"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 18,
          "item": {
            "issuer": "Retailers Insurance Company"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 19,
          "item": {
            "issuer": "UnitedHealthcare"
          }
        },
        {
          "@type": "schema:ListItem",
          "position": 20,
          "item": {
            "issuer": "Unum Insurance Company"
          }
        }
      ]
    }
  ]
}