Michigan Health Insurance Options

You have more insurance options for your health than you think, Michigan.

If you’re self-employed or without insurance from your employer – in other words, you’re looking for individual health insurance in Michigan – you might be looking for Affordable Care Act insurance, what's often called Obamacare. However, we want to make you aware of the whole range of individual insurance products we have available in your state.

Consider short term health insurance

A temporary medical insurance plan like short term health insurance1 underwritten by Golden Rule Insurance Company may provide:

  • Budget-friendly monthly payments
  • Health care coverage while you search for a long term option

See Michigan short term health insurance options.                                            View PlansOpens a new window

Help pay expenses with hospital & doctor coverage

Health ProtectorGuard fixed indemnity insurance,2 underwritten by Golden Rule Insurance Company, can supplement your major medical plan by paying cash for many common, covered medical services, like a doctor visit, a trip to urgent care or a surgical procedure.

  • No deductibles or copays to pay first
  • Benefits paid regardless of other insurance
  • Money to pay costs not covered by major medical plans, like a deductible

See Michigan hospital & doctor plan options.                                                 View PlansOpens a new window

Prepare for the unexpected

Accidental injuries and critical illness happen when you least expect them. Those unexpected expenses can strain any budget. Accident insurance and critical illness insurance can help by paying cash benefits for covered injuries or illnesses.

See accident and critical illness insurance options.                                               View PlansOpens a new window

Add dental and vision insurance

Dental and vision insurance plans, underwritten by Golden Rule Insurance Company, have no age limit restrictions.5 They offer coverage for the dental and vision services many medical insurance plans don’t include.

Explore these Michigan health insurance options and moreOpens a new window that may be available now.

Learn more about ACA insurance options in Michigan. Call 1-844-253-4054.

1Short term health insurance is medically underwritten and does not cover preexisting conditions. It does not meet minimum essential coverage requirements, meaning signing up for this coverage may result in a tax penalty in 2018.

2THIS PLAN PROVIDES LIMITED BENEFITS. This is a supplement to health insurance and is not a substitute for the minimum essential coverage required by the Affordable Care Act (ACA). Lack of major medical coverage (or other minimum essential coverage) may result in an additional payment with your taxes.

3“Hospital Adjusted Expenses per Inpatient Day – 2015.” State Health Facts. Kaiser Family Foundation. Retrieved from https://www.kff.org/health-costs/state-indicator/expenses-per-inpatient-day

42017 GOBankingRates survey Elkins, Kathleen. “Here’s how much money Americans have in their savings accounts.” CNBC Money. Sept 13, 2017. Retrieved from https://www.cnbc.com/2017/09/13/how-much-americans-at-have-in-their-savings-accounts.html

5Primary insured must be 18 years of age or older.

No individual applying for health coverage through the individual Marketplace will be discouraged from applying for benefits, turned down for coverage, or charged more premium because of health status, medical condition, mental illness claims experience, medical history, genetic information or health disability. In addition, no individual will be denied coverage based on race, color, religion, national origin, sex, sexual orientation, marital status, personal appearance, political affiliation or source of income.

References to UnitedHealthcare pertain to each individual company or other UnitedHealthcare affiliated companies.

Each company is a separate entity and is not responsible for another's financial or contractual obligations.

Administrative services are provided by United HealthCare Services, Inc. or their affiliates.

Products and services offered are underwritten by Golden Rule Insurance Company, Health Plan of Nevada, Inc., Oxford Health Insurance, Inc., UnitedHealthcare Life Insurance Company, UnitedHealthcare of the Mid-Atlantic, Inc., UnitedHealthcare of New York, Inc.

This policy is subject to various exclusions and limitations. For costs and complete details of the coverage, call (or write) your insurance agent or the company (whichever is applicable).