Monthly Premium
The amount you pay each month to maintain your coverage.
Michigan Individual & Family Coverage
Michigan Health Insurance without the guesswork.
Based in Michigan, Health Accident Life helps individuals, families, and self-employed professionals compare ACA Marketplace health insurance plans. Work with a licensed advisor or shop and enroll online at your own pace.
Understanding your options
Looking for health insurance in Michigan?
Whether you live in Grand Blanc, Flint, Genesee County, or elsewhere in Michigan, choosing health insurance involves more than comparing monthly premiums.
You also need to consider your doctors, prescriptions, deductibles, copays, provider networks, and expected healthcare needs.
Health Accident Life helps Michigan residents understand ACA Marketplace coverage options through convenient online and phone-based assistance.
If you prefer to explore plans independently, you can also use our online enrollment option.
What should you compare in an ACA health insurance plan?
A lower premium doesn't always mean lower overall healthcare costs. Understanding how a plan works can help you make a more informed decision.
Deductibles
What you may need to pay for certain covered services before additional plan benefits apply.
Provider Networks
Check whether your preferred doctors, specialists, and hospitals participate in the plan.
Prescriptions
Compare covered medications, drug tiers, and pharmacy options.
Copays & Coinsurance
Understand how much you may pay when receiving covered healthcare services.
Out-of-Pocket Maximum
Review the annual limit on qualifying covered in-network expenses.
Can Michigan residents qualify for Marketplace savings?
Some Michigan households may qualify for premium tax credits that reduce the monthly cost of ACA Marketplace health insurance.
Eligibility can depend on household income, household size, access to other coverage, and applicable Marketplace requirements.
Savings and eligibility are not guaranteed. The applicable Marketplace determines eligibility.
Choose how you want to get covered.
Some people prefer working directly with an advisor. Others want to compare plans and complete enrollment themselves. We offer both options.
Work With an Advisor
Have questions about networks, deductibles, prescriptions, or Marketplace eligibility? Request a coverage review and get assistance from a licensed insurance advisor.
Start My Coverage ReviewShop & Enroll Online
Prefer to do it yourself? Compare available ACA Marketplace plans, review estimated costs and potential savings, and complete enrollment through our HealthSherpa agent link.
Shop & Enroll OnlineOnline enrollment opens on HealthSherpa, a separate enrollment platform. Plan availability and enrollment eligibility vary by location and circumstances.
When can you enroll in Michigan health insurance?
Most individuals enroll in ACA Marketplace coverage during the annual Open Enrollment Period. Certain qualifying life events may allow enrollment outside that period.
Examples of qualifying life events may include:
- Losing qualifying health insurance coverage
- Getting married
- Having or adopting a child
- Moving under certain qualifying circumstances
- Other qualifying household or coverage changes
Special Enrollment Period eligibility depends on applicable Marketplace rules and your circumstances.
Michigan Health Insurance FAQs
Can I buy ACA insurance if I'm self-employed?
Yes. Self-employed Michigan residents may qualify for individual or family Marketplace coverage, subject to eligibility requirements.
Can I keep my current doctor?
That depends on the plan's provider network. We recommend checking your preferred providers before choosing coverage.
Can I enroll in health insurance online?
Yes. You can use our HealthSherpa enrollment link to review available Marketplace plans and complete an application when eligible.
Do I need to live in Grand Blanc to work with you?
No. Health Accident Life is based in Michigan and assists eligible clients remotely throughout the state. We also serve clients in other states where we're appropriately licensed and authorized.
Can you help if I recently lost employer coverage?
Losing qualifying employer coverage may make you eligible for a Special Enrollment Period. Timing and eligibility requirements apply.
Ready to explore your coverage options?
Get personalized assistance or shop ACA Marketplace plans online. Choose the option that works for you.