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- Health Insurance Open Enrollment: If You Need Health Insurance Coverage in Michigan, Help is Here
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. A Health Insurance Marketplace special enrollment period will be open February 15 to August 15, 2021 for anyone who needs to purchase a 2021 health plan. After that deadline, you may qualify for a Special Enrollment Period if you experience a qualifying life event, such as a job loss or change in household size.
The American Rescue Plan, recently signed into law by President Joe Biden, increases and expands Marketplace subsidies to help you afford health coverage. In some cases, these subsidies could provide cost-free coverage for the whole year. Learn more and take advantage of these increased savings beginning April 1. Time is ticking and the sooner you sign up, the more you can save on the health coverage you need for yourself and your family.
No matter the time of year, you can also apply for coverage through MI Bridges, where you will be evaluated on whether you could be covered by Medicaid, the Healthy Michigan Plan, or the Children's Health Insurance Program.
- Health Insurance
When to apply: A special enrollment period for all Michiganders will be open February 15 to August 15, 2021 at HealthCare.gov. After that time, you may be eligible to enroll 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.
Seniors age 65 and older who have lost employer-provided health insurance during the pandemic may be able to sign up for Medicare during a special enrollment period.
For assistance: Visit Medicare.gov or call the Michigan Medicare Medicaid Assistance Program at 800-803-7174.
- Upcoming Virtual Town Halls
Learn More at Upcoming Virtual Town Halls
Join us for virtual town hall events that will be offered throughout the COVID-19 special enrollment period. 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, or view a previously recorded town hall.
Upcoming Virtual Town Halls:
Community organizations interested in co-hosting a virtual town hall on the Health Insurance Marketplace special enrollment period can contact us!
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.
Individual
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- 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
Marketplace
Seniors
Providers
Mental Health Parity
Resources
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- Michigan Consumer Guide to Health Insurance
- Glossary of Health Coverage and Medical Terms
- Important Contact Information
- Getting Covered
- Understanding Your Health Insurance
- How to Use Your Health Coverage
- How to Appeal a Decision Made by Your Health Insurer
- Short-Term Limited Duration Policy
- Specified Disease Insurance
- Understanding Coverage for Air Ambulance Services
- Your Rights Under the Mental Health Parity and Addiction Equity Act of 2008
- Michigan Consumer Guide to Health Insurance
- HICAP Survey Information
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