In Michigan, your ability to buy an individual health insurance policy from a private insurance company no longer depends on your health status. Under the Affordable Care Act, you might qualify for a subsidy to help pay for your health insurance. If you qualify, the subsidy can be used to reduce the cost of your monthly premium or can be taken as an annual tax credit. To take advantage of a subsidy, you must choose a health plan that has been approved by the federal government and the government of Michigan. These plans, known as On-Exchange Plans, meet a set of standards that aim to eliminate benefit loopholes to make sure that people with pre-existing conditions are not being denied coverage.
If you don’t qualify for a subsidy, you can still choose among the Health Exchange Plans, or consider one of the many private health insurance plans available in Michigan’s private marketplace. We have rated these private plans on a 1-star to 5-star basis, with 5-star plans providing the most comprehensive coverage. What’s the biggest difference between a private market health plan and a government-approved one? The trade-off is usually cost. Insurance companies can charge less for private plans with less-extensive network coverage or fewer benefits, which makes more-affordable options available to you.
Ambetter from Meridian
AmBetter from Buckeye Community Health Plan provides quality healthcare solutions that help residents of Michigan live better. With a variety of affordable coverage options, they make it easier to stay healthy.
Blue Care Network of Michigan
Blue Care Network of Michigan is a nonprofit mutual insurance company founded in 1939 .The largest health insurer in Michigan, serving 4.5 million people here and 1.6 million more in other states and the largest network of doctors and hospitals in Michigan: 152 hospitals, and more than 33,000 doctors and an independent licensee of the Blue Cross and Blue Shield Association
Blue Cross Blue Shield of Michigan Mutual Insurance Company
Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Michigan: Blue Cross Blue Shield Healthcare Plan of Michigan, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc.
McLaren Health Plan Community
McLaren Health Plan is a Health Maintenance Organization dedicated to meeting the health care needs of each member. McLaren Health Plan (MHP) has been operating as a Michigan-based licensed Health Maintenance Organization (HMO) since 1998 and today delivers health care benefits to 260,000 members. The HMO was started to serve Michigan’s Medicaid population and has added group, individual and Medicare products along with a Third Party Administrator called Health Advantage, Inc., for self-funded employer groups.
Molina Healthcare
Molina Healthcare, a FORTUNE 500, multi-state health care organization, arranges for the delivery of health care services and offers health information management solutions to nearly five million individuals and families who receive their care through Medicaid, Medicare and other government-funded programs in fifteen states.
Oscar Insurance Company
Oscar does health insurance differently — with more coverage, less hassle, and perks that give you the most value for your premium. From its inception, Oscar has been focused on one mission – to be a health insurance company centered around the patient.
Physicians Health Plan
Physicians Health Plan began in 1980, when Sparrow Health System and a group of visionary physicians began developing mid-Michigan's first broad-based independent practice association (IPA), a type of health maintenance organization. An IPA is made up of a network of local physicians, hospitals and other professionals who deliver a full continuum of care. In 1982, PHP introduced its first products to the market. Today PHP remains a subsidiary of Sparrow, and it has more than 3,100 practitioners and 31 hospitals participating in its provider network.
Priority Health
Priority Health is an award-winning health plan nationally recognized for creating innovative solutions that impact health care costs while maximizing customer experience. It offers a broad portfolio of products for employer groups and individuals including Medicare and Medicaid beneficiaries. As a nonprofit company, Priority Health serves more than 600,000 people and continues to be rated among the best health plans in the nation by the National Committee for Quality Assurance.
Total Health Care USA, Inc.
Total Health Care, Inc., a fully licensed and federally qualified managed care organization founded and incorporated as a non-profit corporation on July 16, 1973 , making us the oldest HMO in southeastern Michigan. First incorporated as Model Neighborhood Total Health Care (MNTHC), we got our start as part of the federally subsidized model neighborhood programs of then President Lyndon B. Johnson. The organization, with its strong community orientation, was located strategically within the City of Detroit at a major hospital center.