Michigan Health Insurance
Health Insurance Overview
Michigan residents have many options for health care coverage. There are numerous Michigan insurance providers to choose from, along with a variety of Michigan medical insurance plans designed to meet the specific needs of individuals, families and groups.
Whether you need independent self-employed health coverage, or your employer simply doesn’t offer group Michigan health insurance benefits. Whether you are looking to cover your spouse and children under the same low rate, or you are a small business that wants to provide your employees with affordable coverage. Whatever your situation, we are your one stop resource for all your health care needs – including reliable Michigan medical insurance from the best Michigan insurance providers around.
Each state is unique in its laws and regulations, as well as the types of coverage it offers. Here you will find an array of resources and useful information to help you better understand Michigan health insurance and the range of options available to you. This includes current facts and statistics about residents, important state legislation, financial assistance and public Michigan health insurance programs, and even details on some of the top Michigan insurance providers.
To compare specific Michigan medical insurance plans offered by the various Michigan insurance providers, and get a personalized quote for the options that are right for you, contact us now for free. We’ll connect you with a highly qualified insurance agent near you who will be happy to help you with all of your Michigan health insurance needs.
At Healthcare Solutions Team, we’re committed to making affordable health care accessible to everyone. Our group of elite Michigan health insurance advisors is dedicated to helping match the right coverage to fit the unique needs of all families, individuals and groups. Not a resident of Michigan? Find your state here.
Total Michigan Residents – 9,785,300
Total Health Insurance Coverage In Michigan:
Employer – 52%
Individual – 5%
Medicaid – 16%
Medicare – 14%
Other Public – NSD
Uninsured – 13%
Average Individual Monthly Premiums – $204
Average Annual Single Employee Contribution for Employer-Based Health Insurance Plan – 20%
Average Annual Single Employee Premium for Employer-Based Health Insurance Plan – $951
Average adjusted hospital cost per inpatient day – $1,905
There are several Michigan health insurance laws and regulations that are put in place to protect policyholders living in the state. Residents are guaranteed to be able to purchase a Michigan medical 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 insurance providers 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. Additionally, small groups with two to 50 people are guaranteed to be able to obtain health coverage in Michigan, as well.
Michigan health insurance law 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 insurance providers 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.
Department of Community Health
Michigan Health Care Resources for Adults. Visit the website.
Michigan Health Care Resources for Children. Visit the website.
Michigan’s Long Term Care Information
Information to help you plan for long-term care. Visit the website.
Michigan Health Insurance High Risk Pool
The Patient Protection and Affordable Care Act established temporary national high risk pools to provide health insurance to those with pre-existing conditions. Residents of Michigan with pre-existing conditions are able to get health insurance coverage from the Pre-Existing Condition Insurance Plan (PCIP). This works similar to regular Michigan health insurance plans and requires enrollees to pay monthly premiums and out-of-pocket costs.
Enrollees in the Michigan PCIP 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 a United States’ citizen, have an existing 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.
To stay up-to-date on the latest health care reform news, visit: http://healthreform.kff.org/
The state of Michigan offers residents quite a few public health insurance programs to assist low-income residents in getting access to affordable health care and insurance coverage. These programs include:
In Michigan, some low-income residents can get health insurance through Medicaid, which is a state and federally funded health care program. For more information about Michigan Medicaid, visit the website.
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 the website to learn more about this Michigan medical 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 medical insurance program for women, visit http://www.michigancancer.org/bcccp/.
- Michigan Medicare
Seniors can find Michigan health insurance through Medicare Advantage, Medicare 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.
Aetna Health Insurance
Aetna is one of the largest health insurance providers in America with more than 30 million members. Its network includes more than 787,000 health care professionals.
Assurant Health Insurance
Assurant Health, headquartered in Milwaukee, has been offering quality insurance products and coverage to more than 1 million members since 1982. Assurant is committed to providing health insurance plans that have broad coverage while providing valuable protection.
Blue Cross Blue Shield of Michigan Health Insurance
BCBS of Michigan is one of the only insurance companies to accept everyone regardless of health status. It also won’t drop coverage for any health reasons.
Celtic Health Insurance
Celtic concentrates on individual health insurance, offering a wide variety of plans for both individuals and families.
Companion Life Insurance Company Health Insurance
Companion Life Insurance Company specializes in employee benefit plans in 45 states and the District of Columbia. It has 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.
Consumers Life Company Health Insurance
Consumers Life is part of Medical Mutual of Ohio, which has more than 1.5 million members nationwide. Its diverse portfolio of health plans includes coverage for individuals, families, and businesses.
Golden Rule Health Insurance
Golden Rule Insurance Company provides affordable and customized health insurance plans for millions of individuals and families.
Great American Health Insurance
Great American Insurance Company, part of Great American Financial Resources Inc., is a leading provider of health insurance and other coverage solutions.
Health Alliance Plan Health Insurance
Health Alliance Plan, based in Detriot, has 790 employees who provide coverage to approximately 500,000 members and work to improve the well being of the community.
Humana Health Insurance
Through affordable health insurance options, Humana helps its members better manage their health care and make informed health decisions.
John Alden Health Insurance
John Alden Life Insurance has been selling health coverage throughout America since 1961. Today, it is part of Assurant. John Alden plans include individual health and small group coverage. It also sells Health Savings Account plans.
Standard Security Life Health Insurance
The Independence Holding Company (IHC) provides management services to large companies that deliver insurance solutions to groups and individuals. As divisions of IHC, the Standard Security Life Insurance Company of New York and the Independence American Insurance Company offer various lines of life, health and disability insurance.
Time Insurance Health Insurance
Today, Time Insurance is known as Assurant Health with insurance coverage for individuals, students, families, seniors, and businesses.
Time Short Term Health Insurance
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.
UnitedHealthOne Health Insurance
Golden Rule, a United Healthcare company, has been offering affordable health insurance solutions for more than 60 years. .
WorldIns ExpressMed Health Insurance
World Insurance offers several types of individual health insurance ranging from dental coverage to comprehensive major medical plans.
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:
Michigan Office of Financial and Insurance Regulation
Ottawa Building, 3rd Floor
611 W. Ottawa
Lansing, MI 48933-1070
Phone: (517) 373-0220
Michigan Department of Community Health
Capitol View Building
201 Townsend Street
Lansing, MI 48913
Phone: (517) 373-3740