Finding Health Coverage in Michigan
When you rely on FirstQuote Health to find affordable health coverage in Michigan the process is easier than you think. We’re here to help you find plans that work for you and your needs. We’ll help you look over all of the details and provide you with the guidance you need to make the right decision for your health.
Coverage available in your area may vary by county, so it’s important you provide us with accurate information about where you live in Michigan.
Whether you’re looking for an HMP, PPO, or you just don’t know: we can help you find the coverage you need and put you in touch with insurance experts in Michigan and they’ll get you signed up with a plan.
Michigan Open Enrollment Dates
Michigan’s Open Enrollment Period takes place once a year, and is the time when residents of The Great Lake State can sign up for health insurance without having to worry about being denied coverage. When the Affordable Care Act was passed, states had the choice between creating their own marketplaces and exchanges, or participating in the federally managed marketplace. Michigan chose the latter, which is also why the Open Enrollment Period in Michigan coincides with the federal Open Enrollment Period, which runs through the following dates:
- November 1 - January 15
For many residents, Michigan’s marketplace is the best place to start when searching for an affordable health insurance plan. When health insurance companies decide to offer their plans on Michigan’s exchange, they are required to meet the regulations and standards of the Affordable Care Act. That includes not being able to deny coverage or charge higher premiums based on medical history. If you, or anyone on your policy is living with pre-existing or chronic health conditions, then this may be your cheapest option.
Michigan’s health insurance marketplace is also where you can go to apply for subsidized coverage based on your income. If you are in a tight place financially, then the exchange is a good place to find coverage that fits your budget. It’s also where you go to apply and qualify for Medicaid, the state run healthcare program that offers coverage for little to no cost to you.
Coverage From Michigan’s Best Health Insurance Companies
If you’re already happy with you current coverage, or have a provider in mind, then you don’t need to spend time shopping around for medical insurance. A great way to get covered quickly is by enrolling directly with one of the best health insurance companies in Michigan. Thankfully, being such a large state, there are plenty of reputable companies to choose from. Some of the most popular options include the following:
- Blue Cross Blue Shield of Michigan
- Spectrum Health
- UnitedHealthcare
Before enrolling directly with on of Michigan’s top health insurance companies, it’s important you’re aware for the potential drawbacks. When you choose not to shop around, you may be missing out on a better opportunity, and you could end up overpaying for your healthcare. Remember, everyone’s healthcare needs are different, so what works for someone else may not work for you.
Even if you’re set on a certain company or plan based on reputation, you’re still better off doing a bit of research. A quick search online will give you insight into what current and past members are saying about their experience. You can also look through trusted review websites, including FirstQuote Health, to help make your decision.
Frequently Asked Questions
How To Get Health Insurance in Michigan?
Comparing plans from several companies while shopping for new medical insurance is the greatest way to ensure you get health insurance in Michigan. By comparing guidelines, you can observe which companies give greater attention to your region and age. Then, based on your requirements and specifications, you can select the policy that is most appropriate for you.
Does Michigan Require You To Have Health Insurance?
As of January 1, 2019, health insurance is no longer mandatory at the federal level. However, there are still some states that require residents to enroll in medical coverage as of 2020. If you are a resident of any of the mentioned states, and you forgo health coverage, you will face a tax penalty, unless you qualify for an exemption. Those states include:
- California
- Massachusetts
- New Jersey
- Rhode Island
- Vermont
- Washington DC
Are There Short-Term Health Insurance Options in Michigan?
Michigan residents can find short-term plans with lengths ranging from one month to one year. Restrictions may alter the short-term health insurance since each state is in charge of establishing its standards for short-term health insurance, .