Health Insurance for Individuals in Michigan
Single individuals in Michigan enjoy the state's woodlands, educational opportunities, and varied recreational opportunities, from professional sports and the arts to relaxing on one of the many lakes in and adjacent to the state. Many also have found rewarding employment in this varied economy. However, many individuals are faced with providing their own health insurance. They may be self-employed or between jobs. Or they may work for a small business that cannot afford to provide adequate health insurance to their employees. Fortunately, there are options for the individual who needs to self-insure.
Request an Individual Health Insurance Quote >>
Michigan Health Insurance Information for Individuals
- If you have lost your job, apply for COBRA insurance within the first 60 days after termination. Your employer must give you the information for extending your health insurance through COBRA. You are entitled to retain the health benefits you had in your job for at least 18 months, but you will have to pay the full premium.
- Your insurance provider cannot cancel your insurance because you got sick. They must keep the policy in force as long as you pay the premiums on time.
- While you are on COBRA, investigate different personal health insurance policies, including PPO plans, HMO plans, and temporary health insurance. You may be able to cut your COBRA health insurance payments considerably with a different policy.
- If you want to continue to use your doctor, be sure to verify that he or she is a provider on the plan you choose.
- For a healthy younger person, a plan with a high deductible and an HSA account may be an affordable option.
- Even if your employer offers basic coverage, you may still need an individual insurance policy for dental, vision, or prescription coverage.
- Shop around and get quotes from several different health insurance providers in order to get the best, most affordable plan for you.
Receive a Free Health Insurance Quote in Michigan >>
Michigan Health Insurance cannot issue health insurance policies and is not an insurer. The research and product details provided on this site are for informational purposes only. The coverage options and policies discussed on this site may not be available to everyone and differ by state; no guarantees regarding same are made herein.