#GetCovered 2022: If You Need Health Insurance in Michigan, Help is Here
Michiganders have more plans to choose from, more low- or no-cost coverage options, and more time to enroll during the 2022 Health Insurance Marketplace Open Enrollment period, which runs November 1 through January 15, 2022.
This site contains everything you need to know about health insurance, how to get covered, and how to use your coverage to keep yourself and your family healthy.
There are many ways to get covered, and there is no wrong way to begin. When you sign up through HealthCare.gov, it will direct you to other programs if you qualify, including Medicaid, Healthy Michigan Plan, or the Children's Health Insurance Program.
Free enrollment help is available and increased subsides established by the American Rescue Plan will give more Michiganders the opportunity to qualify for low- or no-cost coverage for 2022. In 2021, Michigan consumers saw an average premium reduction of 45% through these subsidies, or more than $71 per month in savings. Nationally, 4 out of 5 shoppers nationwide can find a plan for less than $10 a month!
Your local agent or assister can help with the application or answer your questions. Find Marketplace help near you by visiting LocalHelp.HealthCare.gov.
When to apply: Open enrollment on the Health Insurance Marketplace runs Nov. 1, 2021 through Jan. 15, 2022. Choose a plan by Dec. 15 for coverage to start Jan. 1, 2022.
Special enrollment periods are also available if you've experienced a qualifying life event. Learn more.
For assistance: Visit LocalHelp.HealthCare.gov or call the Marketplace Call Center at 800-318-2596.
Coverage is available through Medicaid and the Healthy Michigan Plan, depending on income and other factors.
When to apply: Any time
For assistance: Visit MI Bridges or call the Michigan Health Care Helpline at 855-789-5610.
Medicare is health insurance for people 65 or older. You're first eligible to sign up for Medicare 3 months before you turn 65 and 3 months after the month you turn 65. There are certain situations where you may be able to sign up for Medicare during a special enrollment period, for example if you lose employer-provided health insurance.
For assistance: Visit Medicare.gov or call the Michigan Medicare Medicaid Assistance Program at 800-803-7174.
Learn More at Upcoming Virtual Town Halls
Join us for virtual town hall events that will be offered throughout open enrollment. Learn about getting covered on the Health Insurance Marketplace and get answers to your health insurance questions. Click on the date below for details on how to join these free virtual events.
Upcoming Virtual Town Halls:
Get Answers to Your Questions
Access the health insurance resources below or contact the Department of Insurance and Financial Services (DIFS) at 877-999-6442 from 8 a.m. to 5 p.m. Monday through Friday.
For a list of other state and federal agencies that may be able to help with health coverage questions, visit the Important Contact Information webpage.
- Glossary of Health Coverage and Medical Terms
- Employer Group Coverage
- Individual Coverage
- Shopping for a Health Plan
- Costs of Individual Health Plans
- Comprehensive Health Plans - Minimum Essential Coverage
- Limited Benefit Insurance Plans
- Medical Expense Reimbursement Accounts
- Required Coverage
- Paying Medical Bills
- Switching Health Plans
- Filing a Complaint With DIFS
- Appealing a Decision Made by Your Health Insurer
- Other Resources
- Medicare Supplement Policies
- Senior Health Insurance Resources
- Michigan Senior Guide to Health Insurance
- Medicare & You 2021
- 2021 Guide to Choosing a Medigap Policy
- Authorized Medicare Supplement Companies
- Long-Term Care Insurance: Is it right for you?
- Michigan Authorized Long-Term Care Companies
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