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."
license = "CC0-1.0"
jsonld = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi.jsonld"

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/medical-plan-count"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/metal-distribution"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
falsifier = "A RECORD of measured/reported events (occurred=true) from CMS ACA Plan Attributes PUF (2026 plan year); superseded when CMS ACA Plan Attributes PUF (2026 plan year) publishes its next release."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/plan-type-distribution"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/hsa-eligible"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/no-referral"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/dental-plan-count"
warrant = "RECORDED"
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."
source = "CMS ACA Plan Attributes PUF (2026 plan year)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/premium-landscape"
warrant = "DERIVED"
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."
source = "CMS Marketplace Rate Public Use File (atlas-aggregated per tier)"
sourceUrl = "https://www.cms.gov/marketplace/resources/data/public-use-files"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/premium-subsidy-boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the CMS Rate PUF figures above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
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."

[[claims]]
id = "https://coverage-atlas.ryanjhunter.workers.dev/coverage/states/mi/boundary"
warrant = "INTERPRETATION"
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."
source = "Coverage Atlas framing (over the CMS facts above)"
sourceUrl = "https://coverage-atlas.ryanjhunter.workers.dev/"
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."

[[coverageIndicators]]
indicator = "Medical plans offered"
value = 585
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical issuers"
value = 7
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "HSA-eligible medical plans"
value = 171
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Medical plans requiring no specialist referral"
value = 485
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental plans offered"
value = 137
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Standalone dental issuers"
value = 15
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Distinct issuers (medical + dental)"
value = 21
warrant = "RECORDED"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Plan year"
value = 2026
warrant = "—"
source = "CMS ACA Plan Attributes PUF (2026)"

[[coverageIndicators]]
indicator = "Silver median sticker premium (USD/mo)"
value = 685
warrant = "DERIVED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rating areas (premium aggregate)"
value = 16
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[coverageIndicators]]
indicator = "Rate-PUF rate rows summarized"
value = 116
warrant = "RECORDED"
source = "CMS Marketplace Rate Public Use File (40-year-old, individual, non-tobacco)"

[[metalDistribution]]
metal_level = "Silver"
plan_count = 301

[[metalDistribution]]
metal_level = "Expanded Bronze"
plan_count = 132

[[metalDistribution]]
metal_level = "Gold"
plan_count = 116

[[metalDistribution]]
metal_level = "Bronze"
plan_count = 28

[[metalDistribution]]
metal_level = "Catastrophic"
plan_count = 8

[[planTypeDistribution]]
plan_type = "HMO"
plan_count = 501

[[planTypeDistribution]]
plan_type = "PPO"
plan_count = 43

[[planTypeDistribution]]
plan_type = "EPO"
plan_count = 41

[[marketCoverage]]
market_coverage = "Individual"
plan_count = 653

[[marketCoverage]]
market_coverage = "SHOP (Small Group)"
plan_count = 69

[[premiumTiers]]
tier = "Catastrophic"
plans = 54
median_usd = 416
p25_usd = 391
p75_usd = 465
min_usd = 351
max_usd = 517

[[premiumTiers]]
tier = "Bronze"
plans = 295
median_usd = 488
p25_usd = 445
p75_usd = 539
min_usd = 345
max_usd = 714

[[premiumTiers]]
tier = "Silver"
plans = 328
median_usd = 685
p25_usd = 600
p75_usd = 778
min_usd = 385
max_usd = 1048

[[premiumTiers]]
tier = "Gold"
plans = 215
median_usd = 723
p25_usd = 557
p75_usd = 860
min_usd = 409
max_usd = 1217

[[issuers]]
issuer = "AlwaysCare Benefits, Inc."

[[issuers]]
issuer = "Ambetter from Meridian"

[[issuers]]
issuer = "BEST Life"

[[issuers]]
issuer = "Blue Care Network of Michigan"

[[issuers]]
issuer = "Blue Cross Blue Shield of Michigan Mutual Insurance Company"

[[issuers]]
issuer = "DENCAP Dental Plans, Inc"

[[issuers]]
issuer = "Delta Dental of Michigan"

[[issuers]]
issuer = "Dominion National"

[[issuers]]
issuer = "EMI Health"

[[issuers]]
issuer = "Guardian"

[[issuers]]
issuer = "Humana"

[[issuers]]
issuer = "McLaren Health Plan Community"

[[issuers]]
issuer = "Metropolitan Life Insurance Company"

[[issuers]]
issuer = "Oscar Insurance Company"

[[issuers]]
issuer = "Paramount"

[[issuers]]
issuer = "Priority Health"

[[issuers]]
issuer = "Renaissance Dental"

[[issuers]]
issuer = "Retailers Insurance Company"

[[issuers]]
issuer = "UnitedHealthcare"

[[issuers]]
issuer = "Unum Insurance Company"
