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
Michigan operates on a state-federal partnership exchange.
Open Enrollment for On-Exchange plans will be from November 1, 2022 – December 15, 2022.
Off-Exchange plans can be purchased at any time.
Apollo Insurance Group can help broker plans from 11 different carriers.
How Health Insurance in Michigan Works
Affordable Care Act (ACA) / Obamacare health insurance in Michigan is a federal/state partnership. The state of Michigan oversees and regulates the plans sold to its residents, but plans are purchased on healthcare.gov. On-exchange plans are eligible for subsidies and cannot deny coverage due to preexisting conditions.
Off-Exchange plans include any plans that are not sold in the ACA marketplace. They are not eligible for subsidies and can deny coverage because of preexisting conditions. Due to these reasons, they tend to have lower premiums than Obamacare plans. With some exceptions, they can be purchased at any time of the year.
When to sign up for Michigan Health Insurance
Timing to sign up for health insurance in Michigan depends on the type of insurance that a person is signing up for. If they are signing up for an ACA plan, then they have to sign up during the Open Enrollment period. Open Enrollment is the time of the year that people can freely change their health insurance plans without any qualifiers. For 2023, OE will run from November 1, 2022 – December 15, 2022.
Outside of Open Enrollment, a person cannot change their ACA insurance plan without a Qualifying Life Event. Qualifying Life Events are a set of life changing circumstances that are considered drastic enough to allow a change in insurance. Click here for a full list of qualifying life events.
Off-Exchange plans can be purchased at any time. There are, of course, some exceptions. However, more Off-Exchange plans have year-round enrollment.
How to Sign Up for Health Insurance in Michigan
To start enrolling in a health insurance plan for Michigan, simply fill out our quote form. We will help you start the process and find the right plan for you.
We have extensive experience helping Michiganders find health insurance, so call us today!
Connect with a helpful agent who will fight to get you the best health insurance for your needs. At No Extra Cost!