US Insurance Solutions Offers Michigan Health Insurance Plans at the Lowest Rates Available!
****SPECIAL NOTICE – Read our Annual Federal and Michigan Market Updates****
In Michigan we can help with health insurance solutions for individuals and families as well as small businesses.
For individuals and families, we offer:
For small businesses, we offer:
Note: If you would like to discuss your health insurance options, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options
The following contains more information about all health plan options that we can provide.
Alternative Health Plan Package Solutions for Individuals and Families
In most cases we can design a comprehensive alternative health plan package with much lower out of pocket costs on most services for 20-40% LESS than high deductible, narrow network ACA/Obamacare plans.
If you are relatively healthy and don’t qualify for a tax credit subsidy to help pay for an ACA/Obamacare plan, or if you just want to design a better plan for yourself than the “one size fits all” ACA/Obamacare plans, let us help you.
Fixed Benefit Plans:
In Michigan we work with the following company to provide the highest coverage Fixed Benefit plans available. We combine these Fixed Benefit plans with supplemental health plans (see US Supplemental Coverage) to create a comprehensive, alternative health plan package to meet each client’s specific needs and budget.
Short Term Medical Plans:
In Michigan state law limits the duration of these policies to no more than 185 days of coverage with one carrier, then individual must wait 180 days from the termination of the last short term policy before enrolling again with that same company. However, it does appear that the person could apply immediately with a different company.
Because of these limits we do not usually recommend including these plans in our alternative health plan packages. If someone did want to take a chance that they would not get sick and be unable to qualify for a second policy, we would only recommend doing this in combination with a higher coverage amount from one of the Fixed Benefit plans above.
In Michigan we work with the following companies to provide the best available Short Term Medical plans.
Please see our health insurance quote page to access the quote pages and run preliminary quotes for the above company's plans.
***Sample Alternative Plan Packages in Michigan***
We are in the process of putting together some of the BEST sample alternative plan packages. These packages combine one or both of our Fixed Benefit and Short Term Medical plans (above) with supplemental plans available from the above companies and/or on our US Supplemental Coverage page.
Please check back in the future, or if you would like to discuss a CUSTOM package for yourself, please schedule a time on my calendar by going to the image above that says CALL ME and schedule a call with me on a day and time that works for you.
ACA/Obamacare Plans for Individuals and Families
In Michigan ACA/Obamacare plans are available through the Federal Marketplace. Insurance companies offering plans vary by county. We work with the following insurance companies in this state:
ACA/Obamacare Individual and Family Plan Quotes
In Arizona ACA/Obamacare plans are available on the Federal Marketplace. Please see our ACA/Obamacare Individual Plans Quote Page to run quotes on the Federal Marketplace.
Alternative Level Funded Small Group Plans
For small businesses with fewer than 50 employees, the ACA/Obamacare law applies the same rules to group health insurance plans as it does to individual plans. As a result, businesses that may have younger, healthier people to cover on a group health plan, the ACA/Obamacare fully insured group plans may not be the best option.
Therefore, we offer these companies the choice of going with an alternative level funded health plan. A level funded health plan allows a business to custom design their health benefits. Monthly premiums are fixed just like with an ACA/Obamacare plan. However, premiums on a level funded plan are typically at least 15-20% less than the same plan design on an ACA/Obamacare plan. Plus, in most years with average to below average usage of the plan, there is an opportunity to receive an additional refund at the end of each plan year.
In Michigan we work with the following companies to provide the best available level funded health to meet your specific needs and budget:
Note: We are continuing to look for new companies offering alternative health plan options for small businesses. Because of that we may have other options in addition to the companies listed above.
ACA/Obamacare Small Group Plans
For small businesses with fewer than 50 employees that don’t qualify for a level funded health plan (above) for any reason, we can help with an ACA/Obamacare small group health plan.
In Michigan we work with the following companies to provide the best available ACA/Obamacare small group health plan to meet your specific needs and budget:
Aetna has been committed to providing individuals, families and businesses with innovative health insurance products and services since 1853.
Blue Cross Blue Shield of Michigan started nearly 70 years ago with a purpose to provide people with the security of knowing they have health care when they need it. Today, that nonprofit mission is the same.
Humana offers health and supplemental insurance plans to serve all types of individuals and families. They are committed to customer service and innovation to deliver results for their customers.
UnitedHealthcare is the nation's largest insurer. Their individual insurance products are offered by UnitedHealthcare Life Insurance Company and Golden Rule Insurance Company. Their health, dental and vision plans take advantage of the UnitedHealthcare network of providers for quality care at significant savings. These networks and providers are available all over the United States.
Schedule a Call With Me:
Whether you are looking for one of our NAHP individual alternative health plan solutions, an individual ACA/Obamacare plan or a small group health plan, the above quote links are just a starting point. There are a number of factors related to your specific situation that will determine what type of plan and company will be best for you.
To discuss your health insurance options and make sure you have the best possible health plan for your situation, please go to the link above with the image that says CALL ME and schedule a call with me on a day and time that works for you, and I will call you to review your options.