Health Insurance Carriers in Michigan (MI)
Michigan has its own set of health insurance laws, that’s why it’s important to find a company who is in compliance with these laws. For your convenience, we have created a recommended list of recommended health insurance carriers below with links for more information. After you have explored these, take a look at the bottom of the page. We have put together some research on Michigan state health insurance rules and regulations. After you have looked at both of these and are ready to take the next step, ask for a personal, free health insurance quote in the state of Michigan >>
Health Insurance Providers in Michigan
American Medical Security
Assurant Health (Formerly Fortis)
Blue Cross Blue Shield of Michigan
Celtic
Clarendon National
Fairmont Specialty Group
Golden Rule
Humana
Principal Life
Security Life
UNICARE
Group Health Insurance in Michigan
- If eligible for group health insurance, no one will be denied or charged more because of illness.
- Family problems, children, marriage, and job changes may affect group health insurance opportunities.
- A new employer may withhold coverage for a prescribed period of time.
- A new provider may review medical records of the six months immediately preceding application if a pre-existing condition exists. Exclusions from coverage for that condition may apply depending upon the type of plan.
- Eligibility for creditable coverage depends upon previous, continuous coverage of your pre-existing condition without a break longer than 63 days.
Small Business Health Insurance in Michigan
- Small businesses with fewer than 50 employees cannot be denied small group health insurance, nor can it be cancelled because of sickness within the employee group.
- Except through Blue Cross Blue Shield, premiums may increase because of sickness in the group.
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Self-Employed Health Insurance in Michigan
- The self-employed may purchase small group coverage through Blue Cross Blue Shield of Michigan but must prove sole proprietorship.
- In three McComb, Oakland, and Wayne counties, a small business with fewer than 99 employees may purchase group health insurance through a purchasing pool or alliance.
- For regulations on business associations with group health insurance coverage, contact the Michigan Office of Financial and Insurance Services.
Office of Financial and Insurance Services
P.O. Box 30220
Lansing, MI 48909
(517) 373-0220
www.michigan.gov/cis
Individual Health Insurance in Michigan
- Regulations on individual health insurance vary.
- Blue Cross Blue Shield of Michigan may not deny applications for individual health policies.
- Other insurance companies may deny an applicant due to health problems.
- Blue Cross Blue Shield may not impose exclusion periods based on pre-existing conditions if the applicant is HIPAA eligible.
- For those not HIPAA eligible, regulations vary.
- For HMOs and Blue Cross Blue Shield, no exclusion period may exceed six months.
- Other insurance providers may impose an exclusion period for up to 12 month based on pre-existing conditions.
- All insurance providers may only review medical records for the six months immediately preceding acceptance of individual coverage.
- Individual policies may consider pregnancy to be a pre-existing condition.
- Blue Cross Blue Shield of Michigan cannot vary premiums based on community rating, but other insurance providers may increase premiums at will.
- Individual coverage may not be cancelled due to illness.
Michigan Health Care Programs
Michigan provide assistance for those with low to moderate incomes with programs like Medicaid, MIChild, and the Breast and Cervical Cancer Control Program.
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