Professional
enrollment support is available for all of the benefit plans listed on this page.
Send your question by
e-mail or live online chat.
Most Liberal Eligibility
Most Affordable
Long Term Major Medical
Dental Insurance
Online Life Insurance
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Michigan Affordable Health Insurance Exchange
Michigan has 22
commercial
individual health
insurance plans and
49 small group
health insurance
plans as well as the high risk
Blue Cross Blue
Shield of Michigan health plans for
applicants who have
been denied
commercial coverage
due to pre-existing
medical conditions.
These standard
health insurance
plans may not be
affordable to all
residents. This Web page lists some of the most popular low cost commercial health insurance plans and related benefits. All of these policies offer secure online enrollment and professional OnlineAdviser personal enrollment support. Please note that while many of these choices could be included in more than one of the suggested usage categories, each plan is listed only once for the sake of brevity. Your enrollment adviser is available to discuss suitability of any plan for your specific situation.
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Michigan insurance & benefit news
Michigan had the 11th
lowest health insurance costs of all states in 2008 with an average family premium of $11,321 per year.
(The average annual
premium for a U.S.
family covered under
an
employer-sponsored
health plan in 2008
was $12,298
according to
The
Commonwealth Fund
report. The
overall quality of
health care
ranked 20th out of
the 51 states
(including DC).
Michigan regulates the benefits required for both
individual major
medical and group
health insurance
plans, known as
"mandated benefits".
Short Term Insurance
Intermediate Term
Supplemental Insurance
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Michigan Insurance Law
The
Michigan Department
of Insurance Web site contains
a link to the
complete text of the
state's insurance
laws and regulations.
The Web site also
lists the
insurance companies
that issue major
medical insurance but has not yet
developed resources
to help individuals
find
commercial low cost
health plans like
mini-med or core
coverage, specific
illness policies,
supplemental
insurance and
basic health
insurance.
The state insurance department can be reached by telephone at (877) 999-6442 or by mail at PO Box 30220,
Lansing MI 48909. The state children's health insurance plan (CHIP) Web site is
Michigan MIChild.
Non-insurance Discount Plans
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Consumer Insurance Issues
5/14/2010 Diabetes Coverage: A new resource to help find
health
insurance for diabetics in Michigan is now available at Freedom Benefits.
3/23/2010 Michigan and ten other states
including Alabama, Florida, Nebraska, North Dakota, Pennsylvania, South
Carolina, South Dakota, Texas, Utah and Washington will make a joint legal
challenge to the federal health reform bill on the basis that it improperly
usurps state sovereignty over health insurance and that requiring health
insurance is an illegal and improper government action.
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