Michigan Health Insurance (MI)
Choose from the list below to learn more about specific health insurance providers in Michigan. Read on to learn about health insurance regulations in your state. Or enter your zip code in the box to the right to request a health insurance quote.
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Health Insurance Providers in Michigan (MI)
American Medical Security
Assurant Health (formerly Fortis)
Blue Cross Blue Shield of Michigan
Fairmont Specialty Group
Individual Health Insurance in Michigan (MI)
The regulations dealing with individual health insurance vary somewhat in Michigan. Blue Cross Blue Shield of Michigan cannot turn down any applications for individual health policies. The other insurance companies have the right to turn down an applicant due to health problems. In relation to pre-existing conditions, Blue Cross Blue Shield is not allowed to impose exclusion periods if you are HIPAA eligible. For others who are not HIPAA eligible, the rules are different. For HMOs and Blue Cross Blue Shield, the exclusion period may be a maximum of six months; for all other insurance companies, they may impose a maximum 12 month exclusion period on pre-existing conditions. All insurance companies may review your medical records for the prior 6 months before acceptance of individual coverage. Pregnancy can be considered a pre-existing condition when dealing with individual insurance policies. Blue Cross Blue Shield of Michigan cannot vary their premiums based on community rating, but other insurance companies are free to increase premiums. If you become sick, your individual coverage cannot be cancelled.
Group Health Insurance in Michigan (MI)
Michigan regulations provide that if you are eligible for group health insurance, you cannot be turned down or charged more because of a health problem. There are several life changes relating to family problems, children, marriage, and job changes that can affect your opportunities for group health also. A new employer can wait to offer health coverage. If you have a pre-existing condition, a new insurance company can review your medical records for the last six months only and apply an exclusion of that condition from coverage for varying times according to the type of group plan you have. If you have maintained coverage of your pre-existing condition, without a break of more than 63 days, you are entitled to creditable coverage.
Small Business Health Insurance in Michigan (MI)
Small businesses with two to 50 employees cannot be denied small group health insurance, nor can it be cancelled due to illness within your employee group. Except through Blue Cross Blue Shield, your premiums can be increased due to illness in your group.
Self-Employed Health Insurance in Michigan (MI)
The self-employed are allowed to purchase small group coverage through Blue Cross Blue Shield of Michigan, but you must be able to prove the existence of your sole proprietorship. In three counties of Michigan (McComb, Oakland, Wayne), a small business with one to 99 employees is allowed to buy group health insurance through a purchasing pool or alliance. For actual regulations related to business associations with group health insurance coverage, please contact the Michigan Office of Financial and Insurance Services.
Office of Financial and Insurance Services
P.O. Box 30220
Lansing, MI 48909
Michigan Programs (MI)
Michigan has several programs which provide assistance with medical needs for low to moderate income individuals and families: Medicaid, MIChild, Breast and Cervical Cancer Control Program.
Health Insurance in Michigan Cities (MI)
Learn more about health insurance (including medical facility details) in Ann Arbor, Detroit, Flint, Grand Rapids, Kalamazoo, Lansing, Livonia, Muskegon, and Saginaw.
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