Health Insurance in Michigan

Info – Updates – And Free Services

From Health Insurance Brokers in Michigan

Individual Health Insurance

Insurance can be complicated. Between the dozens of providers, changing laws, different kinds of insurance, and so many options, it's a challenge to navigate and find the right plan for your budget and needs.

That's where an insurance broker can help. Apollo are the experts in health insurance and will fight for you. There's no extra cost to you and you'll have an insurance person to always turn to.

Learn More About Individual Health Services

Group Health Insurance

Do you want to provide an affordable insurance option for your employees?

Or maybe your employees are already insured but the cost has increases. It may be time to shop for a better group plan. Having health insurance through an employer is an additional way to acquire and keep talent. Connect with Apollo to find the best group insurance plan for you and your employees.

Learn More About Group Health Insurance

Life Insurance

Let's be honest, we often don't think about the extremes of what could happen in life. Life insurance is the least purchased kind of insurance even though plans start at only a few dollars a month. If you want to make sure your family is taken care of, this simple insurance can have a huge effect in case of death.

Learn More Life Insurance Services

Dental Insurance

A good smile can be worth a million dollars.

Everyone can benefit to good oral care and the cost of emergencies can be quite large. Luckily there are flexible dental insurance plans for everyone. Contact us to get a dental plan that works for your budget.

Learn More Dental Insurance Services

Vision Insurance

Our eyes are one of our most precious organs, and we only have two, so proactive protection and care is key to maintaining these vital organs! Particularly for children, they don’t yet know how beautiful the world is through perfect vision, it is our responsibility as parents and caretakers to be in-tune with the world through their eyes. On the flip side, as we age our eyes do as well, and thus the frequency for vision checks increases exponentially.

Learn More Vision Insurance Services

Apollo Insurance Broker

Talk With A Helpful Licensed Sales Agent!

We'll Handle All Your Insurance Needs With No Extra Cost.

No obligation to enroll.

Health Insurance in Michigan

Apollo Insurance Group is dedicated to delivering peace of mind through health insurance that is tailored to our clients’ needs. Rest easy knowing your medical challenges are simplified by our industry experts and knowledgeable advisors. Read on to learn more about health care in Michigan. 

Quick Facts About Health Insurance in Michigan

Health Insurance in Alabama

Michigan uses the federal Marketplace as its ACA Exchange.

Health Insurance in Alabama

Open Enrollment for On-Exchange plans will be from November 1 – December 15.  

Health Insurance in Alabama

Off-Exchange plans offer year-round enrollment. 

Health Insurance in Alabama

Apollo Insurance Group can help broker plans from 11 different carriers. 

When to Enroll in Michigan Health Insurance

Enrolling in health insurance in Michigan is only restricted for On-Exchange/ACA insurance plans. For these plans, most people can only enroll during the Open Enrollment period. Open Enrollment for the federal ACA Marketplace is from November 1, 2023 – December 15, 2023. To enroll outside of Open Enrollment, you will need a qualifying life event. 

With some exceptions, there are no restrictions on enrolling in Off-Exchange plans. Generally speaking, plans that are not found on the federal Marketplace allow enrollment year-round. 


Michigan Health Insurance
Apollo Insurance Group - Agents

How to Enroll in Michigan Health Insurance

To enroll in a health insurance plan in Michigan, contact us now. We will work with you to find the best plan for your budget and needs. 

Health insurance in the United States is a complicated beast, and Michigan is no exception. Let one of the experts at Apollo Insurance Group guide you.  

This is just a brief overview of health insurance in Michigan. For a more in-depth breakdown, read our article on individual health insurance.

Health Insurance in Michigan – What You Need to Know

Health insurance in Michigan can be expensive. Fortunately, the American Rescue Plan has drastically reduced the cost of marketplace coverage. Residents in Grand Rapids and Lansing can now qualify for subsidized health insurance coverage. This coverage is available to anyone with a qualifying life event. Premiums are determined by your age, sex, ZIP code, and tobacco use.

Silver plans are more coverage with lower deductibles

  • Silver plans in Michigan offer more coverage and lower deductibles than Bronze plans.
  • Silver plans also offer cost-sharing reductions, which can lower out-of-pocket expenses.
  • Silver plans cost slightly more than Bronze plans, but they may be a better option for people who qualify for cost-sharing reductions or who have a low income.
  • If you have a high income, you may be better off with a Gold plan.
  • It is important to consider your specific needs and budget when choosing a health insurance plan.
  • Silver plans typically cover more than 70% of costs, compared to the 70% that bronze plans do.
  • The average Silver plan reduces the maximum out-of-pocket maximum to $2,000 per year by 2022.
  • If you qualify for cost-sharing reductions, you may be able to get a Silver plan with even lower premiums and deductibles.
  • Medicaid and Medicare are two government programs that can help low-income residents afford health insurance.
  • It is important to compare different health insurance plans before you choose one, to make sure you get the best coverage for your needs and budget.

Bronze plans have the lowest monthly premiums

  • Bronze plans have lower monthly premiums than Catastrophic plans, but they have a high deductible and a high co-payment for medical care.
  • Silver plans have higher monthly premiums than bronze plans, but the out-of-pocket costs are much lower.
  • Gold plans are better for those who need major medical coverage.
  • Premium tax credits are available to help lower the monthly payment for Marketplace plans.
  • The benchmarks for Michigan are:
    • $251 for the lowest-priced Bronze plan
    • $347 for the benchmark premium in Michigan for 2021
    • $452 for the benchmark premium for a silver plan in Michigan
  • Bronze plans are best for young, healthy people with low medical expenses.
  • Silver plans are a good middle-ground between low monthly premiums and low out-of-pocket costs.
  • Gold plans are better for people who want more coverage and are able to qualify for subsidies.
  • The cost of health insurance can vary depending on your income, age, and health status.
  • It is important to compare different health insurance plans before you choose one, to make sure you get the best coverage for your needs and budget.

Catastrophic plans have the lowest monthly premiums

  • Catastrophic health plans in Michigan are for young and healthy people under 30 who don’t qualify for subsidies.
  • The monthly premiums for these plans are less than 8% of your income.
  • Catastrophic plans cover three general doctor visits a year and preventive measures, but have high deductibles.
  • If you’re prone to major illnesses, this plan might not be the best option for you.
  • Bronze plans are another option for people who don’t want to spend a lot of money on health insurance.
  • They have lower monthly premiums than Catastrophic plans, but still have high out-of-pocket costs.
  • Expanded Bronze plans provide slightly more coverage than Bronze and have lower out-of-pocket costs.
  • Catastrophic plans are not available in all areas and the enrollment process can be difficult.
  • If you don’t qualify for a subsidy, catastrophic plans aren’t the best choice for you.
  • You might qualify for a cost-sharing subsidy if you’re low-income.
  • Catastrophic plans are the cheapest health insurance plans in Michigan, but they don’t offer as much coverage as other plans.
  • If you’re not sure which type of health insurance plan is right for you, it’s a good idea to talk to a financial advisor or insurance agent.
  • You can also compare different plans online to see which one offers the best coverage for your needs and budget.

Short-term health insurance premiums vary based on your age, sex, ZIP code and tobacco use

While short-term health insurance premiums are usually based on your ZIP code and age, you should note that tobacco use has a significant impact on your rates. If you smoke, you will pay more. However, there are ways to reduce the tobacco-related portion of your premiums.

Short-term health insurance premiums are often less than unsubsidized ACA premiums, so if you don’t qualify for subsidies, this coverage is affordable. In addition, short-term health insurance plans can start the next day and have no special enrollment requirements. They are ideal for people between employer-sponsored health plans or who have a benefit waiting period. They can also be used by people who have lost their coverage.

When shopping for a health insurance policy, always keep in mind your healthcare needs and budget. You may find it helpful to use Consumer Reports’ buyer’s guide to help you select the right insurance plan. In addition to looking for a health plan that fits your needs, make sure you check the policy’s eligibility criteria.

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