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State vs state

Illinois vs Michigan

Two US deregulated markets compared on the way that matters to a household or commercial buyer: average locked rate, how the local utility passes through delivery, and how many supplier offers actually show up on the shelf. We use 2025–2026 PUC filings and Seenra's own book.

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Illinois

Full retail choice for residential.

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Michigan

Limited deregulation; capped opt-in pool.

Harry Parker

Energy Consultant, Seenra Inc

State vs state5 min readPublished Updated

Side-by-side

How illinois and michigan compare across six dimensions

DimensionIllinoisMichigan
Deregulation statusActive deregulated supply market.Active deregulated supply market.
Top utility (delivery)Set by territory; check your bill.Set by territory; check your bill.
Average locked supply rateSee state PUC filings, refreshed quarterly.See state PUC filings, refreshed quarterly.
Supplier shelf depthMultiple licensed suppliers.Multiple licensed suppliers.
Estimated savings vs defaultCould save up to 14.6% on supply, varies by ZIP.Could save up to 14.6% on supply, varies by ZIP.
Term lengths offered12, 24, 36, 48 months commonly.12, 24, 36, 48 months commonly.

What is illinois?

Illinois is exactly what it sounds like: Full retail choice for residential. On a deregulated US supply market — Ohio, Pennsylvania, Texas, and a dozen others — this is one of the two shapes the supply line of your bill can take. The wires, the meter, the outage response, and the regulated delivery charges all stay with your utility regardless of which side you pick.

In illinois, the per-kWh rate is set by the relevant supply contract. That has knock-on effects for budgeting, renewal cadence, and how exposed you are to the wholesale capacity auctions that drive winter price spikes in PJM territory and the August peaks in ERCOT. Buyers who care about predictability tend to weight illinois more heavily; buyers who actively trade the curve tend the other way.

Note that illinois is not a regulator-set product. It is a contract you sign with a licensed supplier (or stay on with your utility, depending on the kind). The PUC in your state publishes the supplier shelf and average rates; Seenra's job is to make the comparison effortless and to lock the term that fits your renewal calendar.

What is michigan?

Michigan works differently: Limited deregulation; capped opt-in pool. For most US households this is the default state — meaning if you have never opted into an alternative supplier, this is what is on your bill today. For commercial operators it is usually the starting point of a procurement audit, not the ending point.

The price formation under michigan is more dynamic. The price changes more frequently than a locked alternative, so seasonal volatility passes through to the bill. That dynamism is the feature for some buyers and the bug for others. If you have a fixed lease term, predictable hours, and a CFO who wants the supply line to look like a flat number on the rolling 12-month average, michigan introduces variance you may not want.

One thing that gets glossed over: switching between illinois and michigan is account-level, not infrastructure-level. There is no truck roll, no service interruption, no credit pull on the residential side. The first locked rate kicks in at your next utility meter read, typically 30 to 45 days after submission.

When illinois is the right call

  • You are evaluating where to expand a multi-site commercial footprint.
  • You operate in both states and want to align renewal calendars.
  • You are doing a corporate sustainability filing and need state-level rate context.

When michigan is the right call

  • You are evaluating where to expand a multi-site commercial footprint.
  • You operate in both states and want to align renewal calendars.
  • You are doing a corporate sustainability filing and need state-level rate context.

What stays the same either way

Regardless of which side you pick, the regulated half of your bill — wires, meter, capacity riders, taxes, the provider-of-last-resort fee — stays under your state PUC's tariff. Locking a supply rate does not lock the delivery line. We say so in plain English on every Seenra estimate.

Your outage call still goes to the same utility number. The truck that responds to a downed line is still your utility's truck. If you have a smart-meter dispute, that is still a utility-side conversation. Suppliers, on either side of this comparison, do not own physical infrastructure on US deregulated markets.

Finally: estimated savings shown on this site are averages from Seenra's 2025–2026 book. Actual outcomes vary by ZIP, by load profile, by season, and by the state of the wholesale market the day you lock. We say "could save up to" and "estimated" for that reason.

Common questions

Quick answers from the editorial desk

Will switching between illinois and michigan cause an outage?
No. The wires, the meter, and the outage response are all your utility — they do not change. The only thing that changes is which entity sets the per-kWh supply rate on your bill. The transition happens at your next utility meter read, typically 30 to 45 days after submission, with no service interruption.
Does this require a credit pull?
On the residential side, no. Suppliers may run a soft check; some states forbid hard pulls outright. On the commercial side, larger contracts can involve a credit review, but it is at the supplier level and does not move your personal credit score.
How long does a fixed-rate lock typically last?
Lock terms run 12, 24, 36, and sometimes 48 months. The right term depends on your lease, your CFO's planning window, and the shape of the wholesale curve when you lock. Shorter terms give optionality; longer terms give stability. We surface the full shelf so you can pick.
Are the savings guaranteed?
No — and any service that tells you they are is misleading you. We say "estimated" and "could save up to" because actual outcomes vary by ZIP, by load profile, by season, and by what the wholesale market is doing the day you lock. We publish our 2025–2026 book averages on the homepage; your specific savings will sit somewhere in that distribution.

Sources: state Public Utility Commission rate filings, supplier contracts of record, and Seenra's 2025–2026 commercial procurement book (~2,400 accounts re-priced, $14.2M estimated savings). Numbers shown are estimates and never guaranteed; actual results vary by state, utility, contract term, and seasonal usage.

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