Michigan Gov. Whitmer Signs Directive Easing Health Insurance Access Amid Federal Changes

Michigan Governor Gretchen Whitmer signed an executive directive directing the Department of Insurance and Financial Services (DIFS) to help residents access affordable health insurance amid new federal changes to the Affordable Care Act (ACA) marketplace. These federal changes, signed into law by President Donald Trump, include income verification requirements, a shortened open enrollment period starting in 2026, and the expiration of enhanced premium tax credits that have helped reduce costs since the COVID-19 pandemic, potentially leading to premium increases of up to $700 per individual or $2,400 for a family of four. Whitmer emphasized the importance of educating Michiganders about these changes and providing support through a helpline and health insurance navigators to assist with enrollment and coverage questions. She acknowledged that while Michigan cannot fully shield residents from these impacts, the state can offer tools and resources to ease the burden. The directive aims to maximize ACA enrollment and prevent Michiganders from having to choose between health care and other essentials. Nearly 500,000 Michiganders currently rely on the federal marketplace, with many low-income families particularly vulnerable to the changes.