A Michigan woman won $1 million on a $10 ticket
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A 58-year-old Michigan player from Kent County has won $1 million on the $10 $1,000,000 Bonus Scratch Multiplier. According to the Michigan Lottery, she bought the ticket at Aikan Liquor at 1640 44th Street Southeast in Kentwood and chose to stay anonymous.
"I buy a lottery ticket almost every day, and typically buy my tickets at all different stores," she told the Michigan Lottery. "I scratched my $1,000,000 Bonus Scratch Multiplier ticket when I got home from the store, and when I saw I'd won $1 million, I screamed so loud that I scared my son!"
"It is such a relief to win a big prize like this. It means no more stress and is going to make life easier," she said. "It will also allow my son and I to have a little fun!" She plans to save her winnings.
She took a lump sum of about $693,000 instead of annuity payments for the full $1 million. That is 69.3% of the advertised prize, and it is a much better rate than most other cash options.
| Prize | Advertised | Cash option | Cash rate |
|---|---|---|---|
| Michigan scratch-off | $1,000,000 | about $693,000 | 69.3% |
| North Carolina scratch-off | $10,000,000 | $6,000,000 | 60.0% |
| Florida Mega Millions | $800,000,000 | $344,200,000 | 43.0% |
One brand, four very different tickets
Michigan launched four Bonus Scratch Multiplier games on the same day, February 3, at $2, $5, $10 and $20.
| Game | Price | Payout | ValueScore™ | Rank in Michigan |
|---|---|---|---|---|
| $2,000,000 Bonus Scratch Multiplier | $20 | 78.6% | 79.7 | 11th |
| $1,000,000 Bonus Scratch Multiplier | $10 | 76.6% | 64.1 | 33rd |
| $500,000 Bonus Scratch Multiplier | $5 | 70.1% | 57.0 | 47th |
| $50,000 Bonus Scratch Multiplier | $2 | 63.2% | 30.8 | 93rd |
The ticket she won on is a decent one without being Michigan's best. Its 76.6% payout beats the 73.0% average across the 537 active $10 games we track nationally, though it ranks 11th of Michigan's 26 active $10 tickets. Cash Train leads that group at 77.8, and Diamond 7s at $30 is the strongest game in the state at 94.4. Current Michigan ValueScore™ rankings update daily.
Sources
Michigan Lottery: Kent County woman wins $1 million playing $1,000,000 Bonus Scratch Multiplier
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Frequently Asked Questions
How much was the Michigan $1 million winner’s lump sum?
About $693,000 before tax, which is 69.3% of the $1 million prize. She chose that over annuity payments for the full amount. After 24% federal and 4.25% Michigan withholding, roughly $497,000 would reach her at the claim.
Why is a scratch-off cash option worth more than a jackpot cash option?
The shorter the annuity, the less discounting there is. A $1 million scratch-off annuity runs a fraction of the length of a Mega Millions annuity, which pays 30 installments that step up 5% a year. Michigan’s winner got 69.3% of the advertised prize in cash. A North Carolina winner on a 20-year annuity got 60.0%, and Florida’s $800 million Mega Millions winner got 43.0%.
Are there $1,000,000 Bonus Scratch Multiplier top prizes left?
Yes, two. The $10 game launched February 3, 2026 and our data has it 35.4% sold. The Michigan Lottery says more than $29 million in prizes remain, including the two $1 million top prizes, 13 prizes of $10,000 and 106 of $2,000.
Jessie Jurado is a news writer who covers new scratch-off launches, state lottery guides, taxes on winnings, news, and much more. She joined ScratchCheck in 2026 and writes the site's state-by-state coverage.
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