Find Affordable Health Insurance In Michigan
How To Get Health Care Insurance When You Are Not On An Employer’s Group Health Plan
Health Plans By Type In Michigan
Health Insurance Costs In Michigan
- ACA Health Insurance - Compare hundreds of Individual & Family plans
- Short Term Health - As low as $85/month with $10k deductible
- Accident Only Coverage - As low as at $45/month
- Dental Plans - Starting at $21/month
- Vision Insurance - Starting at $5/month
- Telehealth - Only $19.95/month, saving you hundreds in the long run
Michigan Major Medical Plans
The Affordable Care Act (ACA) health insurance popularly known as Obamacare, offers medical coverage beyond doctor visits and surgical procedures. The majority of plans cover all or part of
the cost of your prescribed drugs as well as other healthcare-related services including rehab, physical therapy, mental health care, and nursing home care.
What It Is: Traditional health care coverage like you would have through an employer. Provides coverage for pre-existing conditions.
Cost: $400 – 700/month, per person. National average is $438.
Source: https://www.healthmarkets.com/content/health-insurance-cost-per-month
When Is Federal Open Enrollment?
During the Federal Open Enrollment period, you are eligible to enroll in an ACA health plan. This typically takes place every year from November 1 till January 15.
When Is The Michigan Open Enrollment Period?
Michigan follows the yearly federal open enrollment period which runs from November 1 through January 15.
Special Enrollment Periods
You may sign up for an ACA health plan outside of the federal Open Enrollment within 60 days after a qualifying life event.
Types Of Qualifying Life Events:
- Loss of health coverage. Losing existing health coverage, including job-based, individual, and student plans.
- Changes in marital status (getting married/divorced)
- Having a baby or adopting
- Changes in residence. Moving to a different ZIP code or county
Temporary Medical Insurance In Mississippi
During a gap in insurance coverage, a short-term health insurance plan can provide you with basic medical coverage.
What It Is: These types of plans are for people in good health that do not need to treat pre-existing conditions.
Cost: Dependent on your age and state availability. Compared to ACA, these plans are very affordable.
Who Needs Temporary Health Insurance?
- Individuals who missed the deadlines for the ACA exchanges and need to wait until the next enrollment period
- Individuals who have a waiting period before enrollment in an employer’s health insurance or another program
- People who are temporarily in between jobs or have been laid off
- Self-employed individuals
- People looking for a plan less expensive COBRA health insurance
- Those needing temporary coverage:
- College students or recent graduates
- Young adults coming off their parent’s health benefit plan
- Retirees waiting for Medicare eligibility
- Coverage for dependents not covered under an employer plan
What Is COBRA Insurance?
The Federal COBRA Act provides workers and their eligible dependents with the opportunity to extend the coverage of their workplace health insurance if that policy would otherwise stop due to a qualifying event.
COBRA is provided for up to 18 months for employees and 36 months for families.
To start a COBRA plan, the employer who offered the work health insurance will provide enrollment information within 45 days of losing those benefits.
What It Is: A continuation of your most recent employer group health plan.
Cost: $400 – 700/month, per person. National average is $438.
COBRA coverage is offered for up to 18 months for employees and 36 months for families.
Within 45 days of losing the coverage, the employer who provides the work health insurance shall provide enrollment details for a COBRA plan.
Low-Income Health Insurance In Michigan
Searching for free or low-cost health insurance? Everyone in Michigan, including you, should
have access to affordable healthcare. Adults, people with disabilities, pregnant women, kids,
and seniors all fall under this category. Services and extras provided by UnitedHealthcare can
significantly improve your life. Visit uhccommunityplan.com/michigan-Medicaid-plans to
check if you are eligible.
Reporting Health Insurance Fraud In Michigan
All of us are impacted by healthcare fraud and abuse. Healthcare fraud has a huge negative
impact on the Medicaid program because it consumes resources that could be used to provide
health care for children and adults who are most in need. Reporting fraud and abuse is a way
for everyone to take accountability. We can collaborate to ensure that public funds are spent
on those who truly need help.
To report any medical fraud please go to michigan.gov/mdhhs/assistance-
programs/healthcare/hifa/report-Medicaid-fraud-and-abuse
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