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 Affordable low cost health insurance or medical insurance plans for small business, self employed, family, individuals and groups.  Choose a quality health care plan that meets your needs and budget.

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Michigan Medical  Insurance

Under the ACA (Affordable Care Act) Michigan Individuals, families, self employed and small business owners are now able to purchase health insurance regardless of pre-existing medical conditions. There are a multitude of companies offering affordable low cost health insurance in MI.

Michigan Group Health Insurance

Michigan Group Health Insurance is for businesses with 2 or more employees, which can include the owner of the business. Group health insurance is regulated by both the state and federal government. The HIPAA act of 1996 determines eligibility in some cases and provides rules for individuals leaving a group plan. The group plans usually have more benefits than an individual plan because of federal requirements established by the ERISA act of 1974 and HIPAA laws. As long as an employer meets the criteria required by the Michigan Health Insurance Company, they cannot be turned down for insurance nor can any of the employees be turned down.

Individual Health Insurance Michigan

When an insurance carrier advertises that they have group-like benefits, you should be very wary of the person presenting the plan. Every plan may have some group-like benefits such as doctor co-pays, however, individual plans may not offer the benefits of a group plan. There are some important questions you should ask when purchasing Michigan Health Insurance for yourself, your family or as a self employed individual. You can see a list of these questions by clicking here. Companies can decline to insure you for individual health insurance in Michigan if you have pre-existing medical conditions and are not HIPAA eligible. There are state-sponsored plans available to cover those who are declined. To help you find the best health insurance company check out the complaint ratio. Click here for the instruction sheet on "How to find an insurance company complaint ratio".

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Last Updated
December 17, 2010

 

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