Michigan Health Insurance
As a resident of Michigan, you have plenty of Michigan health insurance options to choose from. There are multiple insurance companies in Michigan that provide a range of plans for a variety of health needs.
Here you'll be able to get helpful information for finding health insurance in Michigan. See some of the state’s top health insurance companies and read about the important Michigan health insurance laws and regulations you should be aware of as you look for your plan. You can also find information about financial assistance and public Michigan health insurance programs.
Not resident of Michigan? Find your state here.
If you would like to get free quotes and compare Michigan health insurance plans now, start with our simple form on the right.
Resources on this page
Michigan Health Insurance Companies
Michigan Health Insurance Laws and Regulations
Public Health Insurance Programs for Michigan Residents
Contact Info for the Michigan Office of Financial and Insurance Regulation and Community Health
The following list of companies offer health insurance plans in Michigan:
MEGA Life and Health Insurance Company
At The MEGA Life and Health Insurance Company, the focus is on personalizing a health plan that meets your needs.
Michigan Health Insurance Laws and Regulations
There are a few different Michigan health insurance laws that affect how residents can get coverage.
Residents are guaranteed to be able to purchase a Michigan health insurance plan through Blue Cross Blue Shield of Michigan. BCBS of Michigan also cannot raise your insurance premiums because of a health condition.
Other Michigan health insurance companies may exclude coverage or deny applications based on health history or pre-existing health conditions.
Residents are also guaranteed to be able to obtain coverage through any individual HMO (Health Maintenance Organization) plan in Michigan during a 30-day open enrollment period. Visit the Michigan Office of Financial and Insurance Regulation online to learn more about HMOs in Michigan.
Small groups in Michigan with 2 to 50 people are guaranteed to be able to obtain health coverage, as well.
Michigan health insurance law also requires all individual health plans cover certain medical services. These services include:
- Screening for breast cancer
- Care for some diabetes-related conditions
- Continuity of care for pregnant women
Individual plans are also guaranteed renewable in the state, which means Michigan health insurance companies cannot cancel coverage because of health conditions.
Under the federal law COBRA, eligible Michigan residents have the right to keep their group coverage after they leave a job that provides health benefits. The federal law HIPAA also provides protection to individuals when they leave a group health plan.
Michigan Public Health Insurance Programs
Here are the public health insurance programs offered in Michigan for low-income residents:
- Medicaid
In Michigan, some low-income residents can get health insurance through Medicaid, which is a state and federally funded health care program. For more informationabout Michigan Medicaid, visit http://www.michigan.fhsc.com/.
- MIChild
Michigan's state Children's Health Insurance Program (SCHIP) MIChild provides children in low-income families with health coverage if they do not qualify for Medicaid. Visit their website to learn more about this Michigan health insurance program for children.
- The Michigan Breast and Cervical Cancer Control Program
Low-income women in Michigan who are diagnosed with breast or cervical cancer may qualify for full health care coverage through Medicaid with the BCCCP program. To get more information about this Michigan health insurance program for women, visit http://www.michigancancer.org/bcccp/.
Some Michigan residents can also get the Federal Health Coverage Tax Credit, which pays for 65 percent of health insurance premiums. To find out more, go to the Internal Revenue Service's (IRS) website.
Michigan Office of Financial and Insurance Regulation and Department of Community Health
Find contact information for the Michigan health insurance office and community health department at:
Michigan Office of Financial and Insurance Regulation
Ottawa Building, 3rd Floor
611 W. Ottawa
Lansing, MI 48933-1070
Phone: (517) 373-0220
http://www.michigan.gov/dleg/0,1607,7-154-10555---,00.html
Michigan Department of Community Health
Capitol View Building
201 Townsend Street
Lansing, MI 48913
Phone: (517) 373-3740
http://www.michigan.gov/mdch/
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