The UM Health Plan will no longer be available on the Health Insurance Marketplace beginning in 2026, leaving many Michigan residents wondering what their next steps should be. If you are currently enrolled in this plan, it’s important to understand how this change will impact your coverage and what actions you need to take to ensure you remain insured.
For individuals and families who rely on the UM Health Plan through the Marketplace, this change means that their current coverage will not automatically renew for 2026. The Health Insurance Marketplace operates on an annual enrollment cycle, which means that if a plan is discontinued, policyholders must select a new plan during the open enrollment period. If no action is taken, individuals currently enrolled in the University of Michigan Health Plan may be automatically reassigned to a different insurance provider. However, the new plan might not have the same network of doctors, coverage options, or costs as their previous policy.
The removal of the UM Health Plan from the Marketplace could impact access to preferred healthcare providers. Those who have built long-standing relationships with their doctors or specialists should review alternative plans carefully to ensure continuity of care. Network restrictions can vary widely between insurance providers, so taking the time to research available options will be essential.
The good news is that Michigan residents will still have multiple health insurance options available through the Marketplace. Open Enrollment for 2026 will begin in the fall of 2025, giving individuals ample time to compare plans and select a new policy that fits their healthcare needs and budget. It’s important to review plan details, including premium costs, deductibles, provider networks, and covered services, to ensure a smooth transition from the University of Michigan Health Plan to a new insurer.
For those who qualify for subsidies or financial assistance, the loss of their current plan will not necessarily mean higher costs. The Marketplace offers income-based subsidies that can help lower monthly premiums and out-of-pocket expenses. Reviewing updated eligibility for assistance can help families find an affordable alternative.
If you are currently enrolled in the UM Health Plan, the most important step you can take is to stay informed. As 2026 approaches, updates and details about alternative plans will become available, making it easier to make an informed decision. Failing to select a new plan during the open enrollment period could result in a lapse in coverage, leaving individuals uninsured and responsible for all medical expenses.
Navigating health insurance changes can be overwhelming, but planning ahead will help prevent any disruptions in care. If you have questions about your options or need assistance in choosing a new plan, reaching out to a licensed health insurance professional can provide clarity and guidance. By taking action before the 2026 enrollment deadline, Michigan residents can ensure they remain covered and continue to receive the healthcare they need.
