Prices You Can Afford.
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health insurance companies. Find your state providers.
Individual & Family Health Insurance
These plans offer a wide range of feature-rich benefits like low-deductibles and affordable co-pays on doctor visits for you and your family. Read More
Democratizing Health Insurance
We see a world where everyone has health insurance. If you don't have health insurance through your work, trying to get it stinks. We're here to change that. InsureMonkey is the easiest way to quote, compare and apply online for health insurance. Anytime. From anywhere.
Welcome to InsureMonkey.
Honestly, isn't this one of the easiest sites you've ever used? You can shop for health insurance benefits in three easy steps:
Get quotes. Compare plans. Apply online. Yes, getting health insurance is really that simple.
However, finding the right plan is an intensely personal thing and we want you to know we're here to help. If you have
questions, need personal assistance, or just want to visit while filling out your application, you can contact one of our
professionally licensed insurance advisors for insights, answers and unbiased advice. Or you can search our community-powered
InsureMonkey University for the answers you need.
Pass It On!
If you find this site helpful, we ask that you Pass It On! Make sure everyone you know can get affordable health insurance. Please tell your friends now!
Top 5 Health Insurance Myths
- Myth: Individual health insurance benefits are not as good as employer benefits. Truth: Hogwash. Individual health insurance is often more benefit-rich than employer-based plans.
- Myth: It's a good idea to add my family to my company's plan and pay the cost of their benefits. Truth: For healthy families, buying individual health insurance for your dependents, instead of adding them to your company plan, can save you up to 75% or more per month for the same benefits.
- Myth: If I'm laid-off, COBRA is my best option. Truth: Before you sign, shop an individual health plan with the same benefits and don't be surprised to save hundreds of dollars per month.
- Myth: My company buys health insurance cheaper than I ever could. Truth: Your employer pays for all healthy and unhealthy employees. With individual health insurance, you pay for only what you need.
- Myth: I'm healthy, so I don't need health insurance. Truth: We all need health insurance. At some point in our lives, we will all have an accident, get injured, or get sick. And at that point, we need insurance. Problem is we can't plan for these things and playing the odds is not in our favor.
Did You Know?
Most of today's self-employed entrepreneurs are covered with individual health insurance plans. Why? Because they get the benefits they need at a fraction of the cost. And we all like to save money!
Individual and Family Insurance Rates
Michigan Individual and Family Health Insurance
Learn about Michigan health insurance plans throughout the following areas: Dearborn, Detroit, Flint, Grand Rapids, Sterling Heights and other locations.
Michigan Health Insurance 101
More than 9 million residents consider Michigan home. On average, each household earns $49,394 annually.
While many Michiganders obtain employer health insurance through work, a dramatic 379,000 of your neighbors independently buy individual health insurance directly from Michigan health insurance providers – and perhaps for good reason!
Cost is certainly a factor when you compare employer based health insurance and those obtained on the individual market. For example, in 2004, Michiganders with employer health insurance paid $667 for individual coverage and $2,405 for their families. In dramatic contrast, independent health insurance obtained by individuals through the Michigan health insurance providers was only $112 and $358 for individuals and families, respectively.
Is it any surprise that Michiganders are turning towards affordable individual health insurance? At InsureMonkey, we don’t find that surprising – which is why we are ready to help you find the right coverage as your friendly health insurance agent.
Michigan Health Insurance Providers
Michigan’s Uninsured
More than 1,000,000 Michiganders find themselves uninsured. Even though some are employed, their jobs may not provide employer insurance. Others are entrepreneurs that have not yet secured self employment health insurance. And sadly, many Michiganders without insurance may simply be unemployed due to dramatic layoffs in Motor City. Whatever the case, know that the situation is temporary, and with InsureMonkey’s help, you can still obtain affordable individual health insurance.
Michigan SCHIP
Children of low and middle income families can secure health insurance through Michigan’s SCHIP program, which is administered as the MDCH.
If your household income falls within the 100% and 200% range of the federal poverty level, then your child could qualify for free health insurance, inclusive of dental, vision, mental health, hospital, and regular checkup care. More than 43,375 children already enjoy these benefits through the Michigan SCHIP program.
For more information, please contact the Michigan Department of Community Health at (517) 373-3740 or click http://www.michigan.gov/mdch/0,1607,7-132-7312-58525--,00.htmls.
Medicaid in Michigan
Michigan’s Medicaid program is jointly sponsored at the state and federal levels, providing low-income families, pregnant women, children, disabled individuals, the elderly and nursing home residents with healthcare. However, there are specific income guidelines, including:
• Children
o Infants Ages 0-1: $32,506 or 185% of the Federal Poverty Level
o Children Ages 1-5: $26,400 or 150% of the Federal Poverty Level
o Children Ages 6-19: $26,400 or 150% of the Federal Poverty Level
• Parents
o Non-Working: $6,804 or 39% of the Federal Poverty Level
o Working: $11,640 or 66% of the Federal Poverty Level
• Pregnant Women
o $32,560 or 185% of the Federal Poverty Level
For more information, please contact the Michigan Department of Community Health at (517) 373-3740.
(Facts throughout this page provided by the Kaiser Family Foundation at www.statehealthfacts.org and by The New Health Insurance Solution at www.tnhis.com. Commentary provided by InsureMonkey.)
State Resources
State of Michigan
Website: http://www.michigan.gov
Executive Office
Governor: Jennifer M. Granholm (D) (517) 373-3400
Head of Health Department: Janet Olszewski, Director, Department of Community Health (517) 373-3740
Senators
Sen. Carl Levin (D) (202) 224-6221
Sen. Debbie Stabenow (D) (202) 224-4822
Medicaid Website: http://www.mdch.state.mi.us/msa/mdch_msa/msahome.HTM
Medicaid Director: Dr. Paul Reinhart, Medicaid Director, Department of Community Health (517) 373-3740
Department of Insurance Website: http://www.michigan.gov/cis/0,1607,7-154-10555---,00.html