Michigan is home to between 800,000 and 1.1 million citizens who do not have health insurance. More than 1 million more are underinsured. About two-thirds of uninsured adults report that the primary reason they are uninsured is because they can’t afford coverage, or they’ve lost or left a job that provided health insurance. Finding affordable health insurance in Michigan may seem impossible but it is not. Here is additional information on low cost health insurance.
Michigan Individual Health Insurance
In Michigan, your ability to buy individual health coverage may depend on your health status. There are certain circumstances, however, when you must be allowed to buy individual health coverage. In general, companies that sell individual health insurance in Michigan are free to turn you down because of your health status and other factors. When applying for individual coverage, you may be asked questions about health conditions you have now or had in the past. Depending on your health status, insurers might refuse to sell you coverage or offer to sell you a policy that has special limitations on what it covers.
Michigan Group Health Insurance
Michigan group health insurance is sold to businesses and organizations in Michigan who then provide coverage to their employees and members. These group and business health insurance plans are inexpensive compared to individual or family coverage because the cost of medical services can be spread among a larger group of people. Since the risk associated with small group health insurance is lower for the insurance company, they are also more willing to underwrite policies for those with pre-existing conditions. In fact, all small group health insurance plans are required to be guaranteed issue according to federal law.
Michigan Family Health Insurance
Keeping your family healthy is essential to enjoying the best quality of life. Family health insurance is one of the best ways to protect their health. Normally, family health insurance plans consist on an individual (usually a parent or other adult) adding immediate family members to their policy. Affordable family health insurance usually costs less than having a separate health insurance policy for each person. Also, a family health insurance plan usually has a higher coverage cap or lower combined deductible than an individual one.
Michigan Short Term Health Insurance
Temporary circumstances don’t need to leave you or your family uninsured. With short term health insurance, you will be protected if a medical emergency strikes. Cheap short term health insurance is similar to standard health insurance, except that temporary health insurance can last anywhere from thirty days to one year. A short term health insurance plan may be for you if there is a short gap in your insurance. For example, if you lost your job and have begun searching for new employment with health insurance benefits, affordable temporary health insurance can help bridge the gap.
Michigan Student Health Insurance
When attending college in Michigan, it is very important to have student health insurance. Many colleges and universities require proof of health insurance for students; even if yours does not, cheap student health insurance will probably end up paying for itself. While you may be young and healthy now, sudden illness and accidents can happen. In that case, you will be very happy if you have college student health insurance. Don’t end up graduating with medical debt in addition to student loans!
