Michigan Health Insurance

There are numerous Michigan health insurance policies for residents to pick from as well as a variety of health insurance companies to compare. Individuals and families in Michigan will be able to find a health plan that fits their current health care and budget needs.

Below you’ll be able to read about numerous insurance companies that do business in Michigan and various state insurance laws, rules, and regulations that are in effect. There is also information on the type of financial assistance and public health insurance programs that are currently available.

For those of you who aren’t Michigan residents search health insurance by state here.

If you would like to compare Michigan health insurance plans now, simply fill in the online form below.

Resources on this page

Michigan Health Insurance Laws and Regulations

Public Health Insurance Programs for Michigan Residents

Michigan Health Insurance High Risk Pools

Michigan Health Insurance Companies

Contact Info for the Michigan Office of Financial and Insurance Regulation and Community Health

Michigan Health Insurance Stats

Michigan Residents: 9,724,000
Median Annual Household Income: $48,281
Households with at least 1 full time worker: 4,146,400
Michigan Health Insurance Coverage based on Total Population (%):

• Employer: 50%
• Individual: 5%
• Medicaid: 17%
• Medicare: 15%
• Uninsured: 13%

Avg. Annual Employee Premium in Michigan employer-sponsored plan (after employer contrib.): $ 1,101
Avg. Monthly Michigan Individual Premiums: $204
Total Michigan HMO Enrollment: 2,920,552

Michigan Health Insurance Laws and Regulations

There are a few different Michigan health insurance laws that affect how residents can get coverage.

Residents are guaranteed to be able to purchase a Michigan health insurance plan through Blue Cross Blue Shield of Michigan. BCBS of Michigan also cannot raise your insurance premiums because of a health condition.

Other Michigan health insurance companies may exclude coverage or deny applications based on health history or pre-existing health conditions.

Residents are also guaranteed to be able to obtain coverage through any individual HMO (Health Maintenance Organization) plan in Michigan during a 30-day open enrollment period. Visit the Michigan Office of Financial and Insurance Regulation online to learn more about HMOs in Michigan.

Small groups in Michigan with 2 to 50 people are guaranteed to be able to obtain health coverage, as well.

Michigan health insurance law also requires all individual health plans cover certain medical services. These services include:

• Screening for breast cancer
• Care for some diabetes-related conditions
• Continuity of care for pregnant women

Individual plans are also guaranteed renewable in the state, which means Michigan health insurance companies cannot cancel coverage because of health conditions.

Under the federal law COBRA, eligible Michigan residents have the right to keep their group coverage after they leave a job that provides health benefits. The federal law HIPAA also provides protection to individuals when they leave a group health plan.

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Michigan Public Health Insurance Programs

Here are the public health insurance programs offered in Michigan for low-income residents:

• Medicaid
  In Michigan, some low-income residents can get health insurance through Medicaid, which is a state and federally funded health care program. For more informationabout Michigan Medicaid, visit http://michigan.fhsc.com/.

• MIChild
  Michigan's state Children's Health Insurance Program (SCHIP) MIChild provides children in low-income families with health coverage if they do not qualify for Medicaid. Visit their website to learn more about this Michigan health insurance program for children.

• The Michigan Breast and Cervical Cancer Control Program
  Low-income women in Michigan who are diagnosed with breast or cervical cancer may qualify for full health care coverage through Medicaid with the BCCCP program. To get more information about this Michigan health insurance program for women, visit http://www.michigancancer.org/bcccp/.


• Michigan Medicare
  Seniors can find Michigan health insurance through Medicare Advantage, Supplement and Original Medicare.

Some Michigan residents can also get the Federal Health Coverage Tax Credit, which pays for 65 percent of health insurance premiums. To find out more, go to the Internal Revenue Service's (IRS) website.

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Michigan Health Insurance High Risk Pool

Residents of Michigan with pre-existing conditions will be able to get health insurance coverage from the high risk pools set up under the Patient Protection and Affordable Care Act.

The Pre-Existing Condition Insurance Plan (PCIP) in Michigan will run similar to regular Michigan health insurance plans. The plans will require enrollees to pay monthly premiums and out-of-pocket costs.

Enrollees in the Michigan PCIP will pay around the same amount that people without medical conditions pay for health insurance. The deductible that must be met before health insurance benefits begin is $1,000. The out-of-pocket limit for the Michigan plans is set at $5,950.

Those eligible for the Michigan health insurance program will have coverage for prescription drugs, hospital and doctor visits, emergency services and more.

To qualify for the program, individuals must be United States citizens, have a medical condition and have been without health insurance for at least six months.

For more information on the Michigan health insurance high risk pools visit http://www.healthcare.gov/index.html.

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The following list of companies offer Michigan health insurance plans:

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Michigan Office of Financial and Insurance Regulation and Department of Community Health

Find contact information for the Michigan health insurance office and community health department at: