- Overview Of Health Insurance In Michigan
- Finding Health Coverage In Michigan
- Michigan Medical Insurance Numbers
- Is Health Insurance Mandatory In Michigan?
Overview Of Health Insurance In Michigan
Michigan, nicknamed The Great Lake State due to it being surrounded by 4 of the 5 Great Lakes, is known its extensive freshwater coastline, as the car capital of the world, and also the cereal capital of the world. As the 26th state to enter the union, Michigan is the 10th most populous, and 11th largest in total area.
Overall, residents of The Great Lake State are fairly healthy, landing themselves at the number 29 spot in the national health rankings. Although, regardless of how healthy a population is, there is always room for improvement, which rings true for every state across the country. So, if you’re looking to take better care of your health, here’s what you need to know.
Finding Health Coverage In Michigan
When it comes to staying healthy, most people tend to keep their focus on eating right and staying active, which is a great place to start. The thing is, that that really only accounts for half the battle. Having health insurance plays a key role in your personal health, and the overall health of a population as well.
Health insurance doesn’t protect you financially, but it also gives you access to many important medical benefits. For example, when you’re enrolled in a comprehensive plan, you’ll be able to see your primary care physician and seek out preventive services for little to no cost to you. These are both crucial services that people without health insurance tend to avoid for fear of high medical bills. If you’re not already covered, or aren’t happy with your current plan, here’s how you can find health insurance in Michigan today.
Michigan Open Enrollment Dates
Michigan’s Open Enrollment Period takes place once a year, and is the time when residents of The Great Lake State can sign up for health insurance without having to worry about being denied coverage. When the Affordable Care Act was passed, states had the choice between creating their own marketplaces and exchanges, or participating in the federally managed marketplace. Michigan chose the latter, which is also why the Open Enrollment Period in Michigan coincides with the federal Open Enrollment Period, which runs through the following dates:
- November 1, 2018 - December 15, 2018
For many residents, Michigan’s marketplace is the best place to start when searching for an affordable health insurance plan. When health insurance companies decide to offer their plans on Michigan’s exchange, they are required to meet the regulations and standards of the Affordable Care Act. That includes not being able to deny coverage or charge higher premiums based on medical history. If you, or anyone on your policy is living with pre-existing or chronic health conditions, then this may be your cheapest option.
Michigan’s health insurance marketplace is also where you can go to apply for subsidized coverage based on your income. If you are in a tight place financially, then the exchange is a good place to find coverage that fits your budget. It’s also where you go to apply and qualify for Medicaid, the state run healthcare program that offers coverage for little to no cost to you.
Michigan Health Insurance Quotes
While the health insurance marketplace is useful for a lot of Americans, the same can’t be said for middle class families. Nobody denies that the Affordable Care Act put health insurance within reach for millions of people for the first time, helping reduce the uninsured rate, but it also priced tons of people out. That’s why there has been a growing trend of families turning to the private sector to find affordable coverage.
FirstQuote Health specializes in helping residents find the cheapest and most affordable health insurance quotes in Michigan. Plans and pricing doesn’t just vary by state, but by city as well. By entering your zip code, you’ll be able to shop for and compare the most accurate quotes in your area in just minutes. You can also speak to a licensed agent who can help you find the best plan for you and your family. Get started, and covered as early as today.
Coverage From Michigan’s Best Health Insurance Companies
If you’re already happy with you current coverage, or have a provider in mind, then you don’t need to spend time shopping around for medical insurance. A great way to get covered quickly is by enrolling directly with one of the best health insurance companies in Michigan. Thankfully, being such a large state, there are plenty of reputable companies to choose from. Some of the most popular options include the following:
- Blue Cross Blue Shield of Michigan
- Spectrum Health
Before enrolling directly with on of Michigan’s top health insurance companies, it’s important you’re aware for the potential drawbacks. When you choose not to shop around, you may be missing out on a better opportunity, and you could end up overpaying for your healthcare. Remember, everyone’s healthcare needs are different, so what works for someone else may not work for you.
Even if you’re set on a certain company or plan based on reputation, you’re still better off doing a bit of research. A quick search online will give you insight into what current and past members are saying about their experience. You can also look through trusted review websites, including FirstQuote Health, to help make your decision.
Michigan Medical Insurance Numbers
Is Health Insurance Mandatory In Michigan?
Starting in 2019, health insurance is no longer mandatory in the state of Michigan. When the Affordable Care Act (Obamacare) passed, it created what is known as the individual mandate. The mandate didn’t just make health insurance mandatory in Michigan, but for every American with a few exceptions. As you can imagine, it was pretty controversial, supported by proponents of Obamacare, and attacked by opponents.
When President Trump took office, he promised to repeal and replace Obamacare, but was unsuccessful. Instead, he chose to undermine the ACA in a different way, by eliminating the individual mandate which helped keep the Affordable Care Act alive. While some states pushed back by creating their own versions of the mandate, Michigan was not one of those states.