If your looking to see what your options are for Marketplace health insurance in Michigan, we have the answer. For the most affordable Michigan health care plans, most people and families should be looking into the plans offered on the Marketplace. The Marketplace offers numerous different options to choose from. This page is dedicated to the various ACA, Affordable Care Act Health Insurance plans on the Marketplace.
Wondering if you qualify for any tax subsidy for your overall household income? It is all here.
The ACA health insurance for Michigian is managed at the Federal level by the CMS and the State of Michigan DIFS. Only licensed agents certified by CMS (Center for Medicare and Medicaid Services) may advise and enroll people in Michigan ACA Marketplace health and dental insurance. Be aware there are insurance outfits selling medical insurance that are not ACA compliant. If you are asked several health questions to qualify, that is plan not approved Marketplace plan nor qualified to be subsidized by the government.
Insurers are not required to offer all the benefits required in a Marketplace plan if the plan is purchased outside the Marketplace umbrella. Be aware of this before you buy. Do you want fully comprehensive benefits? Will preexisting medical conditions be excluded for 12 months etc.
Healthcare.gov is the site maintained by the federal gov’t and details the minimum requirements that approved Marketplace medical plans must offer. Approved plans are labeled by metal names. Bronze, Silver, Gold and Platinum. A Gold plan offers more protection than a Bronze for example. Use our quick quoting tool to view and quote the ACA plans on the Marketplace.
Eligible Michigan residents can apply for an ACA, Affordable Care Act Health insurance plan during the annual Open Enrollment Period (OEP) or a SEP, Special Election Period (if you meet the requirements for SEP). If you have a medical condition, no worries. Preexisting conditions cannot be held against you nor will you be asked about any health conditions for .
When Can I Enroll in ACA Health Insurance In Michigan?
Open Enrollment is November 1 thru January 15. For most people, eligibility for the affordable Michigan health care plans on the Marketplace will land during these dates.
Eligibility outside this period requires a Special Enrollment Period (SEP) and is based on certain life events: For example, losing health coverage, relocating, giving birth or getting married. Currently in Michigan, Medicaid Unwinding has resulted in a SEP allowing those who are losing Medicaid to enroll in a Marketplace plan of their choosing regardless of the Open Enrollment Period (OEP).
The Federal government may open a Special Enrollment Period for other reasons. For example, in 2023 we have the “Medicaid Unwinding” assessments in which many people are losing Medicaid. A large number of Medicaid recipients will lose health coverage as a result of the audits. However, they will be allowed a SEP by the Federal Governement so they can obtain healthcare either as an individual or as a family on the Marketplace.
We are here to help you navigate this and do suggest you use our techology on your own to shop ACA Health Insurance from the Health Insurance Marketplace. This is the same tech we use to shop medical insurance for our clients. Fast and quite intuitive. It allows the user to see all of the plans available on the Healthcare Marketplace. The platform will allow you to easily filter all the companies and plans by your preferred doctor, prescription coverage, network, household income level and more. All the plans shown are strictly ACA compliant so you are getting the best pricing possible from the insurance company. We suggest letting us know how we can help you but if you so choose…you may simply select your plan and your enrollment will be completed on the spot. Your coverage will start on the 1st of the upcoming month.
Michigan Obamacare?
Trying to find Obamacare in Michigan? Affordable Care Act insurance (ACA) is sometimes called Obamacare. On this page, we will refer to it as ACA, as it is officially titled. If you are searching for Obamacare insurance, the ACA Marketplace healthcare plans are what you are searching for. These plans offer subsidized premiums for individuals and families who qualify.
Affordable Private Health Care Insurance
For those who financially qualify, the health insurance Marketplace has private health plans as low as $0 per month. This is going to depend upon household income and number of actual dependents in your home. If you are in need of private family insurance or just as an individual, be as accurate as possible in estimating your overall household income. Why? Because any excess credit (premium reduction) you receive as a result will be charged back to you when you file your taxes. However, if however your household income is less than anticipated, you will receive a credit on your taxes for the future.
Marketplace Dental Insurance
Once you have completed enrollment for your ACA Health Plan, you may consider ACA Dental insurance. You cannot purchase dental on the Marketplace without having a Marketplace Medical plan first. If you need help with choosing an appropriate dental plan, we can help.
Wrap Up: Affordable Health Care Insurance for Michigan
Looking for a healthcare broker near you? Don’t hesitate to use our contact form or for faster service, give us a call. Unfortunately, the Marketplace website can be frustrating for some consumers to navigate. You cost for a Marketplace plan is the same whether you want a licensed professional help you determine the best coverage for your needs and budget. There are a large number of plans available for most applicants. This can further complicate the process of choosing the “right plan” for your needs. We have also found healthcare.gov to be a bit clunky and lacking some “tools” allowing consumers to make a clear decision and complete their enrollment. As a CMS certified health care broker, we can simply your overall experience for health insurance from the Marketplace.
ACA Health Insurance does not have to be complicated or take long to put in place. If you’ve already used our Health Insurance Marketplace tool above, you’ve probably noticed lots of options to filter out plans that don’t meet your goals. Just be sure to know how much risk (maximum out of pocket) you are comfortable with before you “pull the trigger.” We are more than happy to set up time to discuss your individual or family private family insurance needs and get it done for or with you. Our services cost you anything.
And that is that. Hope this has been of some help for you to get you started. 269-244-3420 with any questions.