Michigan

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:

• Alternative Health Plan Solutions
• ACA/Obamacare Plans

For small businesses, we offer: 

• Alternative Level Funded Small Group Plans
• ACA/Obamacare Small Group Plans

 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.

	Philadelphia American Life
	ManhattanLife

Short Term Medical Plans:

IMPORTANT UPDATE: A new federal rule finalized on September 1, 2024 limits the maximum term on Short Term Medical plans to 4 months! Because of this change we will no longer combine these plans with Fixed Benefit plans (see above) and supplemental health plans (see US Supplemental Coverage). However, we will continue to offer Short Term Medical plans from the same top companies.

In Michigan we work with the following companies to provide the best available Short Term Medical plans.

	Allstate Health Solutions
	Pivot Health
	United Healthcare

Please see our health insurance quote page to access the quote pages and run preliminary quotes for the above company’s plans.

Off Exchange, ACA Compliant Major Medical Plans:

We now offer two programs that include multiple ACA compliant major medical plans. These plans can be a better option for people who are reasonably healthy and make too much money to qualify for a significant tax credit subsidy to buy an ACA/Obamacare plan on the state Health Plan Finder exchange. In Michigan we have both plans available. Here are some of the highlights:

• Traditional Major Medical plans fully compliant with ACA rules and regulations
• Up to Six different deductible options and one or two HSA qualified plans to choose from
• Maximum out of pocket limits that are $1,850 LESS than ACA/Obamacare 2025 limits on non-HSA plans. $1,500 less on HSA plans.
• Cigna or Blue Cross Blue Shield nationwide PPO networks
• Plans available year round
• Rate is locked for 12 months
• Plans are health underwritten. One is accept/reject. The other has final rates that can be rated up or down based on health or person can be declined

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: 

	Ambetter
	Blue Cross Blue Shield of Michigan
	Molina Healthcare
	Priority Health
	Oscar Health Plans
	Ascension/US Health and Life is no longer offering plans
	United Healthcare

ACA/Obamacare Individual and Family Plan Quotes

Federal Marketplace

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:

	Allstate Benefits Group
	Allied National
	Priority Health
	Trustmark Small Business Benefits
	IHC Specialty Benefits
	United Healthcare

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:

Schedule a Call With Me: