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Is University of Michigan Health in your plan? Get a free check.
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How the check works: a licensed agent checks University of Michigan Health, and any doctors you name, against every 2026 marketplace plan filed in your county, then sends you the plans that include them and the date it was checked. It costs nothing, and you only get a call if you ask for one.
- Your ZIP code
- Who to check — University of Michigan Health is filled in
- Your answer, usually the same day
Open Enrollment for 2027 runs November 1 to January 15: choose by December 15 for coverage from January 1. CareSource is leaving Ohio’s marketplace for 2027. If your plan is from CareSource, it ends December 31, and the plan that replaces it may not include University of Michigan Health. A licensed agent will check the 2027 plans for you before you choose.
University of Michigan Health runs 5 hospitals in Michigan, in Ann Arbor, Carson City, Charlotte, Saint Johns, Wyoming. Whether a marketplace plan covers any one of them depends on the individual plan, not on the carrier's name, and it can change during the year. Here is what is actually knowable, and how to settle it for your own plan.
Insurance at University of Michigan Health: the short answer
These 7 insurers sell 2027 marketplace plans in the 5 counties it serves: Blue Care Network of Michigan, Blue Cross Blue Shield of Michigan Mutual Insurance Company, McLaren Health Plan Community, Priority Health, Ambetter from Meridian, Oscar Insurance Company and UnitedHealthcare.
That is not a list of plans University of Michigan Health accepts. Hospitals contract with individual plans, not whole insurers, so the same insurer can sell one plan that includes University of Michigan Health and another that doesn’t. The answer that counts is a check of your exact plan, dated. Get my free hospital check ↑
Searching for MetLife, Delta Dental or Renaissance? Those are dental insurers: dental plans cover teeth, not hospital care. If you want dental coverage too, see dental insurance for individuals.
Where University of Michigan Health is
5 facilities, taken from the CMS Hospital General Information file, updated 22 July 2026. Listing a hospital is not a statement about which plans contract with it — that is decided plan by plan.
| Hospital | City | County | Emergency room | CMS star rating | Type | Ownership |
|---|---|---|---|---|---|---|
| University Of Michigan Health- Sparrow Clinton | Saint Johns | Clinton County | Yes | 4 of 5 | Critical access | For-profit |
| University Of Michigan Health - Sparrow Eaton | Charlotte | Eaton County | Yes | 1 of 5 | Critical access | Non-profit |
| University Of Michigan Health - West | Wyoming | Kent County | Yes | 4 of 5 | Acute care | Non-profit |
| University Of Michigan Health-Sparrow Carson | Carson City | Montcalm County | Yes | 4 of 5 | Acute care | Non-profit |
| University Of Michigan Health System | Ann Arbor | Washtenaw County | Yes | 4 of 5 | Acute care | Non-profit |
CMS star rating is the federal overall hospital quality rating, 1 to 5, from the same July 2026 CMS file. Small rural (critical access) hospitals often have too few reported measures to be rated.
Why no page can promise your plan covers University of Michigan Health
Hospital networks are set plan by plan and renegotiated during the year. Two plans from the same insurer, at similar prices, can differ on whether a hospital is in network. Nothing in the public CMS files records hospital contracts, so any page listing "insurers University of Michigan Health accepts" is describing one plan on one day, and not saying which.
What is knowable is the shape of the market: 7 insurers file 280 plans across the 5 counties below, and every plan filed in Kent County for 2027 is a restricted network — EPO, HMO — so out-of-network care is generally limited to emergencies.
Three checks settle it for your own plan: the insurer’s own provider directory for the exact plan name, the hospital’s billing office (ask about the plan, not the carrier), and the date you checked, because the answer can change mid-year.
The 2027 marketplace where University of Michigan Health sits
Filed rates for plan year 2027, before any premium tax credit. Benchmark Silver is the second-lowest-cost Silver plan for a 40-year-old, the plan credits are calculated against.
| County | Insurers filing | Plans filed | PPO sold | Benchmark Silver, age 40 | Family of 4, per month |
|---|---|---|---|---|---|
| Clinton County | 4 | 44 | Yes | $710 | $2,270 |
| Eaton County | 4 | 44 | Yes | $710 | $2,270 |
| Kent County | 6 | 83 | No | $530 | $1,694 |
| Montcalm County | 4 | 42 | No | $750 | $2,399 |
| Washtenaw County | 5 | 67 | Yes | $659 | $2,105 |
In Kent County the insurers filing are Ambetter from Meridian, Blue Care Network of Michigan, McLaren Health Plan Community, Oscar Insurance Company, Priority Health, UnitedHealthcare. 3 of these counties have a PPO on the exchange.
How many providers each insurer lists in Clinton County
Every insurer selling marketplace plans has to publish its provider directory as a data file. The figures count the doctors, clinics and hospitals each one lists at an address in Clinton County, across the 2026 plans it filed there. Blue Cross Blue Shield of Michigan Mutual Insurance Company lists the most, 881. McLaren Health Plan Community lists the fewest, 606.
| Insurer | Providers listed in Clinton County | Plans filed |
|---|---|---|
| Blue Cross Blue Shield of Michigan Mutual Insurance Company | 881 | 9 |
| Blue Care Network of Michigan | 847 | 15 |
| Priority Health | 782 | 9 |
| McLaren Health Plan Community | 606 | 9 |
From each insurer’s own CMS machine-readable provider directory, downloaded September 25, 2026. A bigger number is not a promise about University of Michigan Health. These files are self-reported, they go stale, and one insurer’s plans do not all use the same network — which is why a licensed agent checks the exact plan against University of Michigan Health by hand above.
Open Enrollment 2027
No insurer has been reported leaving Michigan's marketplace for 2027, but plans and networks are filed fresh every year. Open Enrollment runs 1 November 2026 to 15 January 2027. A licensed agent can check University of Michigan Health, and any doctors you name, against the plans filed in your county and send you the ones that include them, with the date it was checked.
Emergency care is treated differently
5 of these locations run an emergency room. Federal law requires marketplace plans to cover emergency care at in-network cost sharing even when the hospital is out of network, so an emergency visit is not the case to worry about. Planned surgery, imaging, maternity and specialist follow-up are where the network matters.
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