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.
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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. Monthly Michigan Individual Premiums: $204
Total Michigan HMO Enrollment: 2,920,552
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.
Here are the public health insurance programs offered in Michigan for low-income residents:
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/.
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.
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.
The following list of companies offer Michigan health insurance plans:
Aetna is one of the largest health insurance providers in America with more than 30 million members. Their network includes over 787,000 health care professionals.
Click here to view Aetna Health Insurance in Michigan
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to over 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Click here to view Assurant Health Health Insurance in Michigan
BCBS of Michigan is one of the only insurance companies to accept everyone regardless of health status. They also won't drop coverage for any health reasons.
Click here to view Blue Cross Blue Shield of Michigan Health Insurance in Michigan
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Click here to view Celtic Health Insurance in Michigan
Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. They have been providing these services and coverage for the last 35 years, becoming a single source for affordable life, disability, accident, dental, vision, and other specialty insurance programs.
Click here to view Companion Life Insurance Company Health Insurance in Michigan
Consumers Life is part of Medical Mutual of Ohio, who has over 1.5 million members nationwide. Their diverse portfolio of health plans includes coverage for individuals, families, and businesses.
Click here to view Consumers Life Company Health Insurance in Michigan
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Click here to view Golden Rule Health Insurance in Michigan
Great American Insurance Company, a part of Great American Financial Resources Inc,, is a leading provider of health insurance and other coverage solutions.
Click here to view Great American Health Insurance in Michigan
Health Alliance Plan, based in Detriot, has 790 employees that provide coverage to their approximately 500,000 members and work to improve the well-being of the community.
Click here to view Health Alliance Plan Health Insurance in Michigan
Through affordable health insurance options, Humana helps their members better manage their healthcare and make informed health decisions.
Click here to view Humana Health Insurance in Michigan
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, they are part of Assurant. John Alden plans include individual health and small group coverage. They also sell Health Savings Account plans.
Click here to view John Alden Health Insurance in Michigan
Started in 1978, IAC offers management services to large companies who self-insure.
Click here to view Standard Security Life Health Insurance in Michigan
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Click here to view Time Insurance Health Insurance in Michigan
Today, Time Short Term health insurance is offered through the Assurant name. Time short term health plans provide comprehensive coverage for a temporary period of time at affordable rates.
Click here to view Time Short Term Health Insurance in Michigan
Golden Rule, a UnitedHealthcare company, has been offering affordable health insurance solutions for over 60 years.
Click here to view UnitedHealthOne Health Insurance in Michigan
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
Click here to view WorldIns ExpressMed Health Insurance in Michigan
Find contact information for the Michigan health insurance office and community health department at:
Ottawa Building, 3rd Floor
611 W. Ottawa
Lansing, MI 48933-1070
Phone: (517) 373-0220