Health Insurance Plans for Individuals & Families in Michigan
Simple Answers for an Important Decision
Choosing health insurance can feel overwhelming — but it doesn’t have to. We help Michigan individuals and families find plans that fit their needs, budget & lifestyle. Whether you're buying coverage on your own, transitioning off an employer plan, or comparing marketplace options, we’ll explain your choices in plain English and help you make a confident decision.
Who This Coverage Is For
Health Coverage That Fits Real Life
- Self-employed individuals or gig workers
- Families buying coverage outside of work
- Early retirees not yet eligible for Medicare
- College students or recent grads
- Part-time workers without employer coverage
- Anyone needing help with Marketplace plans
What Individual & Family Plans Usually Include
Preventive Care
Routine checkups, vaccines, and screenings at no extra cost with most ACA-compliant plans.
Doctor Visits & Specialist Care
Coverage for primary care, specialists, telehealth, and mental health services.
Prescription Drugs
Plans include drug coverage tiers with copays or coinsurance for medications.
Emergency & Hospital Services
Coverage for ER visits, surgeries, hospital stays, and urgent care.
Pediatric & Maternity Services
All ACA-compliant plans include prenatal, birth & newborn care.
Optional Add-Ons
- Dental & vision coverage
- Critical illness or accident supplements
- Short-term plans for gaps in coverage
- HSA-compatible high-deductible plans
Why It Matters
Medical Costs Add Up — Fast
Even a minor illness or injury can lead to big bills. Health insurance gives you access to care, protection from major expenses, and peace of mind that you’re covered if life throws you a curveball. We’ll help you balance monthly costs with real-life benefits — and avoid plans that leave you exposed.
Three Ways We Help
Why Michiganders Count on Us
Unbiased Guidance
We’re not tied to one company — we help you compare options from multiple trusted carriers.
Plain English Explanations
We break down deductibles, coinsurance & coverage levels in ways that make sense.
Help with Enrollment
We walk you through Marketplace applications, income estimates & plan selection — at no cost to you.
Health Insurance FAQs
Do I have to buy health insurance through the Marketplace?
Not necessarily — we can help you compare Marketplace and private plans side by side.
Can I get coverage if I missed open enrollment?
Yes — if you qualify for a Special Enrollment Period (due to job change, marriage, etc.) or short-term plan options.
How do I know if my doctor is in-network?
We’ll check provider networks with you during the quoting process to make sure your preferred doctors are included.
Is dental or vision included?
Not by default, but we can easily bundle affordable dental & vision coverage with your health plan.
Can you help me apply for a subsidy or tax credit?
Yes. We help you estimate your income and apply for cost-saving subsidies through the Marketplace.
Health Coverage That’s Actually Helpful
We take the confusion out of health insurance — and help you find a plan that works. Let’s talk about your options and get you covered with confidence.