Michigan Individual Health Insurance Exchange rates are now available online. Easily compare Marketplace prices for affordable individual, family and small business medical coverage. Many low-cost options are available in Wayne County and the surrounding area. We help you with the enrollment process and help select the best available plans. You may qualify for a federal subsidy that pays up to 100% of your Exchange policy premium. The instant tax credit is based on your household income.
Pre-existing conditions are covered and your application can not be declined for medical reasons. Many affordable plans can easily be purchased from most of the major companies. The enrollment process is much simpler than last year. Qualified policies are offered in Detroit and all other cities in the state. By 2018 or 2019, additional "TrumpCare" options may be offered.
If you miss Open Enrollment, there are still several low-cost options available. Temporary plans are the least expensive type of coverage, although pre-existing conditions are not covered, and 10 "essential" benefits may not all be included. Special exemptions (SEP) are allowed throughout the year, that provide the opportunity to purchase subsidized plans even after the OE period has expired. Examples of exceptions are having a baby, losing work coverage, moving to a different service area, or divorce. With more than 35 years of experience, we specialize in shopping, comparing and finding quality healthcare plans at the lowest available prices. If you are eligible for Medicare or Medicaid, separate plans are offered.
Four Marketplace “Metal” plans are available. “Platinum, Gold, Silver, and Bronze plans will qualify for the Obamacare subsidy. A “catastrophic” option is also offered that features very low rates but does not allow you to receive a federal subsidy. However, all of the 10 required “Essential Health Benefits” are still included. You also must be at least 30 or show financial hardship for this type of policy.
The Michigan Department of Insurance provided information to residents of the state regarding statutes, regulations, and rules that may impact licensed health insurance products. Hearings, decisions, and bulletins are also available on the website.
Your online Michigan Health Insurance quotes are free. Simply click on our secure link below, provide your zip code get the best rates from the top carriers. There is no cost or obligation! You can get covered quickly and easily. 2016 participating companies include Blue Cross Blue Shield of Michigan, UnitedHealthcare, HAP, Harbor Health, Priority, Total Health care USA, Humana, Molina, and McLaren. Listed below are several inexpensive plans that are eligible for federal subsidies:
Humana Bronze 6450
Molina Marketplace Bronze
Molina Marketplace Options Bronze
Blue Cross Metro Detroit HMO Bronze Saver
HAP Personal Alliance 5000 HSA Henry Ford Choice
Harbor Choice Bronze
Humana Silver 3800
My Priority HSA Bronze
If you are age 65 (or over), and are Medicare-eligible, a Medicare Advantage, Supplement, or Part D prescription drug plan may reduce potential out-of-pocket expenses. A wide range of plans are offered by various carriers.
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